ZIP Code 46554
standardSource:
North Liberty · St. Joseph County · Indiana
- Population
- 4,942
- Median income
- $88,068
- Median home value
- $203,000
- Bachelor's or higher
- 28.1%
- Land area
- 182.4 sq mi
27/sq mi
▲ 15% vs US
higher than 71% of US ZIPs
▼ 27% vs US
higher than 44% of US ZIPs
Median age 37.8
Indiana/Indianapolis
ZIP code 46554 in North Liberty, Indiana has a population of 4,942. The median household income is $88,068, which is 15% above the national average. Median home value is $203,000, 27% below the US average. 28.1% of residents hold a bachelor's degree or higher.
ZIP code 46554 is classified by USPS as a standard delivery area and covers roughly 182.4 square miles in North Liberty, St. Joseph County, Indiana. The area is home to 4,942 residents, producing a population density of 27 people per square mile, and falls within the Indiana/Indianapolis time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 46554 against Indiana and the nation.
On the economic side, the median household income for ZIP 46554 sits at $88,068 (20% above the Indiana average), while per-capita income is $41,406. The poverty rate stands at 5.4% and the unemployment rate at 3.3%. On housing, the median home value is $203,000 (5% above the state average) with median rent at $960 per month, and 90.6% of occupied units are owner-occupied, a direct signal of whether 46554 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 28.1% of adults hold a bachelor's degree or higher, the median age is 37.8, and the average commute is 31 minutes. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Joseph County, so you can benchmark 46554 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 46554
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 46554.
- Other services (except public administration)
Other services (except public administration)
15 establishments
- Accommodation and food services
Accommodation and food services
8 establishments
- Construction
Construction
7 establishments
- Retail trade
Retail trade
6 establishments
- Manufacturing 5
Manufacturing
5 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 46554, North Liberty, IN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
4,942
Population
182.4
Area (sq mi)
27
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46554?
37.8
Median Age
48.4%
Male
51.6%
Female
0.5%
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?
$88,068
Median Household Income
+20% vs state
$41,406
Per Capita Income
5.4%
Poverty Rate
3.3%
Unemployment Rate
30.7 min
Mean Commute Time
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?
1,771
Total Housing Units
1,651
Occupied Units
120
Vacant Units
2.67
Avg Household Size
Occupancy Type
$203,000
Median Home Value
+5% vs state
$960
Median Rent
1953
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
+11.1%
YoY Change (2024)
224
HPI Index (2000 = 100)
+124%
Total Change Since 2000
Home values in ZIP 46554 have increased 11.1% over the past year (2024). Since 2000, this ZIP has seen +124% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +7.5% | 147 |
| 2021 | +10.9% | 163 |
| 2022 | +17.1% | 191 |
| 2023 | +5.2% | 201 |
| 2024 | +11.1% | 224 |
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 62 business establishments in ZIP 46554, employing approximately 593 people with a combined annual payroll of $27,820,000.
62
Businesses
593
Employees
$27.8M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 15 | 24.2% |
| Accommodation and food services | 8 | 12.9% |
| Construction | 7 | 11.3% |
| Retail trade | 6 | 9.7% |
| Manufacturing | 5 | 8.1% |
| Transportation and warehousing | 5 | 8.1% |
| Finance and insurance | 4 | 6.5% |
| Administrative and support and waste management and remediation services | 3 | 4.8% |
| Health care and social assistance | 3 | 4.8% |
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 46554 vs 46574 →
More ZIP Codes in St. Joseph County
Related Areas
Frequently Asked Questions
What county is ZIP code 46554 in? ▼
What is the population of ZIP code 46554? ▼
What is the median household income in ZIP 46554? ▼
What is the average home value in ZIP 46554? ▼
What is the demographic makeup of ZIP 46554? ▼
How many businesses are in ZIP code 46554? ▼
What are the main industries in ZIP code 46554? ▼
How have home values changed in ZIP code 46554? ▼
What is the education level in ZIP code 46554? ▼
What is the average commute time in ZIP 46554? ▼
What percentage of residents own vs. rent in ZIP 46554? ▼
What is the poverty rate in ZIP code 46554? ▼
ZIP Code Research Guides
Official Data Resources for North Liberty, IN
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.