PlainZIP

Nappanee, IN · standard

ZIP Code 46550

Elkhart County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

12,311
64/sq mi
$84,084
Median income
$281,600
Median home value
9.7%
Bachelor's or higher

The verdict

Nappanee pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 33%
household income, US ZIPs
Top 36%
home value, US ZIPs
64
people per sq mi
73%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46550 against every reporting US ZIP.

ZIP code 46550 is a mid-sized community (a standard USPS delivery area) in Nappanee, Elkhart County, Indiana, home to 12,311 residents across 193.3 square miles, a density of 64 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46550 lands in the middle-income range, with a median household income of $84,084 (14% above the Indiana average), while per-capita income is $37,325. Poverty here runs at 7.1%, with unemployment measured at 3.4%. Median home value sits at $281,600 (46% above the state average), median rent at $843 a month, and owner-occupancy at 73.4%.

Formal educational attainment runs low here: just 9.7% of adults hold a bachelor's degree or higher, the median age is 34.6, and the average commute is 20 minutes. Beyond these figures, 5 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Elkhart County, letting you compare 46550 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 46550

Top 5 sectors by establishment count in Nappanee, IN

Which industries have the most business establishments in ZIP 46550.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 46550, Nappanee, IN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

12,311

Population

193.3

Area (sq mi)

64

People / sq mi

Indiana/Indianapolis

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 46550?

34.6

Median Age

52.0%

Male

48.0%

Female

4.6%

Foreign-Born

White 87.0%
African American 1.5%
Asian 1.3%
American Indian or Alaska Native 1.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.4%
Hispanic or Latino 9.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$84,084

Median Household Income

+14% vs state

$37,325

Per Capita Income

7.1%

Poverty Rate

3.4%

Unemployment Rate

19.6 min

Mean Commute Time

How ZIP 46550 ranks nationally

Nappanee, IN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$84,084 Top 33% higher than 67% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 45.9%
Bachelor's Degree or Higher 9.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

4,902

Total Housing Units

4,595

Occupied Units

307

Vacant Units

2.79

Avg Household Size

Occupancy Type

Owner 73.4%
Renter 26.6%

$281,600

Median Home Value

+46% vs state

$843

Median Rent

1982

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+4.6%

YoY Change (2024)

225

HPI Index (2000 = 100)

+125%

Total Change Since 2000

Home values in ZIP 46550 have increased 4.6% over the past year (2024). Since 2000, this ZIP has seen +125% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.2% 153
2021 +10.2% 168
2022 +13.5% 191
2023 +12.5% 215
2024 +4.6% 225

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 431 business establishments in ZIP 46550, employing approximately 8,162 people with a combined annual payroll of $463,567,000.

431

Businesses

8,162

Employees

$463.6M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Manufacturing 101 23.4%
Construction 60 13.9%
Retail trade 60 13.9%
Other services (except public administration) 55 12.8%
Accommodation and food services 31 7.2%
Health care and social assistance 22 5.1%
Finance and insurance 18 4.2%
Real estate and rental and leasing 18 4.2%
Professional, scientific, and technical services 18 4.2%
Wholesale trade 12 2.8%
Educational services 12 2.8%
Administrative and support and waste management and remediation services 8 1.9%
Transportation and warehousing 6 1.4%
Information 4 0.9%
Agriculture, forestry, fishing and hunting 3 0.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 46550 vs 46573 →

ZIP 46550 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 46550 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 46550 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 46550 ranks #2 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
46573 Wakarusa, IN 3,565 7.2 mi
46524 Etna Green, IN 2,326 10.4 mi
46542 Milford, IN 4,198 7.5 mi
46526 Goshen, IN 30,671 9.5 mi
46504 Bourbon, IN 3,413 11.6 mi

More ZIP Codes in Elkhart County

46514 standard
Elkhart, IN
Pop: 40,263
46516 standard
Elkhart, IN
Pop: 33,501
46526 standard
Goshen, IN
Pop: 30,671
46528 standard
Goshen, IN
Pop: 26,104
46517 standard
Elkhart, IN
Pop: 23,764
46540 standard
Middlebury, IN
Pop: 11,702

Related Areas

Elkhart County Nappanee, IN Indiana

Frequently Asked Questions

What county is ZIP code 46550 in? ▼
ZIP code 46550 (Nappanee) is located in Elkhart County, Indiana. Elkhart County contains multiple ZIP codes, see the full list at /counties/elkhart-in.
What is the population of ZIP code 46550? ▼
ZIP code 46550 in Nappanee, IN has a population of 12,311 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46550? ▼
The median household income in ZIP 46550 is $84,084, which is 10% above the national average of $76,288.
What is the average home value in ZIP 46550? ▼
The median home value in ZIP 46550 is $281,600, which is 1% above the national average of $278,155.
What is the demographic makeup of ZIP 46550? ▼
The largest racial group in ZIP 46550 is White at 87.0%. Hispanic or Latino residents make up 9.4% of the population.
How many businesses are in ZIP code 46550? ▼
ZIP code 46550 has 431 business establishments employing approximately 8,162 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46550? ▼
The top industries by establishment count in ZIP 46550 are: Manufacturing (101), Construction (60), Retail trade (60). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 46550? ▼
According to the FHFA House Price Index, home values in ZIP 46550 increased by 4.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 125%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 46550? ▼
In ZIP code 46550, 45.9% of residents aged 25+ have a high school diploma or higher, and 9.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 46550? ▼
The mean commute time for workers in ZIP code 46550 is 19.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46550? ▼
In ZIP code 46550, approximately 73.4% of occupied housing units are owner-occupied and 26.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46550? ▼
The poverty rate in ZIP code 46550 is 7.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.