Residential delivery area · Indiana
ZIP Code 46554: North Liberty, IN
ZIP code 46554 uses the postal name North Liberty, Indiana and lies mostly in St. Joseph County (95% of its land) with the rest in LaPorte County (Census 2020 ZIP-county file). About 4,400 people live there (Census Bureau, ACS 2020-2024). Median household income is $88,068 (Census Bureau, ACS 2020-2024). By Census place, 2% of its land lies in North Liberty; 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- North Liberty · its only residential ZIP
- County
- St. Joseph County (95%); LaPorte County (5%)
- Census places
- North Liberty
- Metro area
- South Bend-Mishawaka, IN-MI
- House district
- IN-2 119th Congress
- State
- Indiana
- Time zone
- Eastern
- Land area
- 68.0 sq mi · 65 people per sq mi
Where is ZIP code 46554?
46554 centers on 41.557°, -86.417° and covers 68.0 square miles of land plus 0.6 of water. It borders 7 ZIP codes: 46574, 46536, 46365, 46614, 46619, 46552, 46563.
The map draws ZIP code areas only. For the streets inside 46554, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 46554 compare with the rest of St. Joseph County?
| Measure | 46554 | In St. Joseph County | In IN |
|---|---|---|---|
| People (ACS 2020-2024) | 4,405 | 20th of 24 | 329th of 807 |
| Median household income | $88k | not ranked | not ranked |
| Median home value | $203k | 11th of 21 | 223rd of 509 |
46554's median household income is not ranked: its 90% margin of error (±$28,891) is more than a quarter of the figure ($88,068). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 47% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 46554?
The 2020 Census counted 4,379 people in 46554; the ACS, which samples households over 2020-2024, estimates 4,405. Between the 2010 and 2020 censuses its population fell 11.4% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 4,405±445 (90% margin)
- 2020 Census count
- 4,379−11.4% since 2010 (4,942)
- Households
- 1,651
- Median age
- 37.8
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 46554?
Of the 4,405 people the ACS estimates in 46554, 23.6% are under 18 and 16.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (96.7%).
- Under 1823.6%
- 18 to 6459.8%
- 65 and older16.7%
- White, not Hispanic96.7%
- Other or two or more1.6%
- Hispanic or Latino1.0%
- Black, not Hispanic0.7%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 46554 earn?
Median household income is $88,068 (ACS 2020-2024). It is not measurably different from 2015-2019 ($69,817 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $88,068±$28,891
- Income per person
- $41,406
- Below the poverty line
- 5.4%
- Unemployed (of the labor force)
- 3.3%
- Adults 25+ with a bachelor's degree
- 28.1%
- Adjusted gross income per tax return, 2022
- $69,6522,110 returns; wages 72% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 46554?
FHFA's house price index for 46554, built from repeat sales and appraisals of the same homes, rose 99% from 2015 to 2025 and rose 59% from 2020 to 2025, and moved +2.3% in 2025.
- Median home value (owners' estimate)
- $203,000
- Median gross rent
- $960
- Homes owned by their occupants
- 90.6%
- Housing units
- 1,771
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 46554?
62 business establishments had a location in this ZIP code in 2023, 7 more than in 2018; the most are in other services (except public administration) (ZIP Code Business Patterns).
- Other services (except public administration)15
- Accommodation and food services8
- Construction7
- Retail trade6
- Manufacturing5
- Transportation and warehousing5
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 46554?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 46574 | Walkerton | 7,426 | $76k | 6.3 mi |
| 46536 | Lakeville | 2,964 | $78k | 6.8 mi |
| 46365 | Mill Creek | 992 | $98k | 7.3 mi |
| 46614 | South Bend | 29,602 | $74k | 7.8 mi |
| 46619 | South Bend | 21,729 | $48k | 7.9 mi |
| 46552 | New Carlisle | 7,047 | $91k | 10.8 mi |
| 46563 | Plymouth | 23,615 | $73k | 14.7 mi |
| 46537 | Lapaz | 475 | $64k | 9.0 mi (near) |
| 46613 | South Bend | 12,279 | $43k | 10.2 mi (near) |
| 46572 | Tyner | 115 | $125k | 10.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.