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 Moderate-density area
- $84,084
- Median income Above-median income area
- $281,600
- Median home value Near-median home value
- 9.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46550 (Nappanee, IN) rose +4.6% from 2023 to 2024. The all-transactions index moved from 214.9 in 2023 to 224.7 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $37,325. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.1% and unemployment is 3.4%. Housing is both higher-cost and owner-heavy: median home value is $281,600 (46% above the average Indiana ZIP), while 73.4% of occupied homes are owner-occupied and median rent is $843.
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. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Elkhart County, so 46550 can be compared with both its immediate and county-level context.
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.
- Manufacturing
Manufacturing
101 establishments
- Construction
Construction
60 establishments
- Retail trade
Retail trade
60 establishments
- Other services (except public administration)
Other services (except public administration)
55 establishments
- Accommodation and food services 31
Accommodation and food services
31 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, 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
Who lives in ZIP 46550?
34.6
Median Age
52.0%
Male
48.0%
Female
4.6%
Foreign-Born
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 ZIP avg
$37,325
Per Capita Income
7.1%
Poverty Rate
3.4%
Unemployment Rate
19.6 min
Mean Commute Time
How ZIP 46550 ranks among Indiana ZIPs
Nappanee, IN household income vs. every Indiana ZIP code
Median household income among 721 reporting Indiana ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$84,084 Top 25% higher than 75% of 721 Indiana ZIPs
Each bar is a $20K-wide band; taller bars hold more Indiana 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,902housing units
4,902
Total Housing Units
4,595
Occupied Units
307
Vacant Units
2.79
Avg Household Size
Occupancy Type
$281,600
Median Home Value
+46% vs state ZIP avg
$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.
- 46526
Goshen (46526)
30,671 residents
- 46550
Nappanee (46550)
12,311 residents
- 46542 4,198
Milford (46542)
4,198 residents
- 46573 3,565
Wakarusa (46573)
3,565 residents
- 46504 3,413
Bourbon (46504)
3,413 residents
- 46524 2,326
Etna Green (46524)
2,326 residents
What this shows Among its immediate neighbors, ZIP 46550 ranks #2 by population - useful context the national average alone can't give.
ZIP 46550 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46573
Wakarusa (46573)
$85,750 median income
- 46550
Nappanee (46550)
$84,084 median income
- 46542
Milford (46542)
$78,606 median income
- 46504
Bourbon (46504)
$74,567 median income
- 46526
Goshen (46526)
$67,461 median income
- 46524
Etna Green (46524)
$65,987 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46550, both outside IN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (12,311 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Elkhart County
Related Areas
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.
Related
Take this with you
What to do with ZIP 46550's numbers, next.
- See how ZIP 46550 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Nappanee, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.