PlainZIP

North Liberty, IN · standard

ZIP Code 46554

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

4,942
27/sq mi
$88,068
Median income
$203,000
Median home value
28.1%
Bachelor's or higher

The verdict

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

Top 29%
household income, US ZIPs
44th pct
home value, US ZIPs
27
people per sq mi
91%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46554 against every reporting US ZIP.

ZIP code 46554 covers 182.4 square miles in North Liberty, St. Joseph County, Indiana (a standard USPS delivery area), with a modest 4,942 residents on file, a density of 27 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46554 lands in the middle-income range, with a median household income of $88,068 (20% above the Indiana average), while per-capita income is $41,406. Local economic indicators show a 5.4% poverty rate alongside 3.3% unemployment. Median home value sits at $203,000 (5% above the state average), median rent at $960 a month, and owner-occupancy at 90.6%.

Educational attainment sits below the national norm: 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 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 46554

Top 5 sectors by establishment count in North Liberty, IN

Which industries have the most business establishments in ZIP 46554.

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 46554, North Liberty, 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

4,942

Population

182.4

Area (sq mi)

27

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 46554?

37.8

Median Age

48.4%

Male

51.6%

Female

0.5%

Foreign-Born

White 97.1%
African American 0.7%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.9%
Hispanic or Latino 1.0%

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

How ZIP 46554 ranks nationally

North Liberty, IN household income vs. every US ZIP code

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

$88,068 Top 29% higher than 71% 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 68.7%
Bachelor's Degree or Higher 28.1%

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

Owner 90.6%
Renter 9.4%

$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 →

ZIP 46554 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 46554 ranks #5 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 46554 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 46554 ranks #3 of 8 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
46574 Walkerton, IN 8,339 7.1 mi
46619 South Bend, IN 21,408 7.6 mi
46365 Mill Creek, IN 1,068 7.0 mi
46536 Lakeville, IN 3,445 7.6 mi
46614 South Bend, IN 29,573 7.8 mi
46552 New Carlisle, IN 6,834 10.5 mi
46537 Lapaz, IN 433 9.1 mi

More ZIP Codes in St. Joseph County

46544 standard
Mishawaka, IN
Pop: 30,759
46530 standard
Granger, IN
Pop: 30,614
46614 standard
South Bend, IN
Pop: 29,573
46628 standard
South Bend, IN
Pop: 25,650
46545 standard
Mishawaka, IN
Pop: 25,082
46619 standard
South Bend, IN
Pop: 21,408

Related Areas

St. Joseph County North Liberty, IN Indiana

Frequently Asked Questions

What county is ZIP code 46554 in? ▼
ZIP code 46554 (North Liberty) is located in St. Joseph County, Indiana. St. Joseph County contains multiple ZIP codes, see the full list at /counties/st-joseph-in.
What is the population of ZIP code 46554? ▼
ZIP code 46554 in North Liberty, IN has a population of 4,942 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46554? ▼
The median household income in ZIP 46554 is $88,068, which is 15% above the national average of $76,288.
What is the average home value in ZIP 46554? ▼
The median home value in ZIP 46554 is $203,000, which is 27% below the national average of $278,155.
What is the demographic makeup of ZIP 46554? ▼
The largest racial group in ZIP 46554 is White at 97.1%. Hispanic or Latino residents make up 1.0% of the population.
How many businesses are in ZIP code 46554? ▼
ZIP code 46554 has 62 business establishments employing approximately 593 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46554? ▼
The top industries by establishment count in ZIP 46554 are: Other services (except public administration) (15), Accommodation and food services (8), Construction (7). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 46554? ▼
According to the FHFA House Price Index, home values in ZIP 46554 increased by 11.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 124%. 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 46554? ▼
In ZIP code 46554, 68.7% of residents aged 25+ have a high school diploma or higher, and 28.1% 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 46554? ▼
The mean commute time for workers in ZIP code 46554 is 30.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46554? ▼
In ZIP code 46554, approximately 90.6% of occupied housing units are owner-occupied and 9.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46554? ▼
The poverty rate in ZIP code 46554 is 5.4% 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.