Residential delivery area · Indiana
ZIP Code 46561: Osceola, IN
ZIP code 46561 uses the postal name Osceola, Indiana and lies mostly in St. Joseph County (88% of its land) with the rest in Elkhart County (Census 2020 ZIP-county file). About 14,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $91,711 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Osceola (10%) and Granger (9%); 81% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Osceola · its only residential ZIP
- County
- St. Joseph County (88%); Elkhart County (12%)
- Census places
- Osceola (10%); Granger (9%) census-designated place
- Metro area
- South Bend-Mishawaka, IN-MI
- House district
- IN-2 119th Congress
- State
- Indiana
- Time zone
- Eastern
- Land area
- 13.6 sq mi · 1,032 people per sq mi
Where is ZIP code 46561?
46561 centers on 41.666°, -86.072° and covers 13.6 square miles of land plus 0.5 of water. It borders 6 ZIP codes: 46545, 46544, 46517, 46530, 46514, 46516.
The map draws ZIP code areas only. For the streets inside 46561, 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 46561 compare with the rest of St. Joseph County?
| Measure | 46561 | In St. Joseph County | In IN |
|---|---|---|---|
| People (ACS 2020-2024) | 13,996 | 9th of 24 | 175th of 807 |
| Median household income | $92k | 2nd of 19 | 68th of 478 |
| Median home value | $231k | 7th of 21 | 154th of 509 |
Its median household income is higher than in 75% of U.S. residential ZIP codes, and it is denser than 79% of all 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 46561?
The 2020 Census counted 14,155 people in 46561; the ACS, which samples households over 2020-2024, estimates 13,996. Between the 2010 and 2020 censuses its population grew 6.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 13,996
- 2020 Census count
- 14,155+6.1% since 2010 (13,343)
- Households
- 5,112
- Median age
- 37.2
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 46561?
Of the 13,996 people the ACS estimates in 46561, 27.2% are under 18 and 15.8% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (86.7%).
- Under 1827.2%
- 18 to 6457.0%
- 65 and older15.8%
- White, not Hispanic86.7%
- Hispanic or Latino6.3%
- Other or two or more3.4%
- Black, not Hispanic2.5%
- Asian, not Hispanic1.2%
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 46561 earn?
Median household income is $91,711 (ACS 2020-2024), the 2nd highest of the 19 ranked ZIP codes in St. Joseph County. It is not measurably different from 2015-2019 ($88,590 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $91,711±$14,214
- Income per person
- $37,573
- Below the poverty line
- 10.1%
- Unemployed (of the labor force)
- 1.6%
- Adults 25+ with a bachelor's degree
- 28.3%
- Adjusted gross income per tax return, 2022
- $75,6356,930 returns; wages 78% 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 46561?
FHFA's house price index for 46561, built from repeat sales and appraisals of the same homes, rose 97% from 2015 to 2025 and rose 55% from 2020 to 2025, and moved +3.8% in 2025.
- Median home value (owners' estimate)
- $230,600
- Median gross rent
- $1,199
- Homes owned by their occupants
- 85.5%
- Housing units
- 5,236
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 46561?
183 business establishments had a location in this ZIP code in 2023, 7 fewer than in 2018; the most are in other services (except public administration) (ZIP Code Business Patterns).
- Other services (except public administration)31
- Construction29
- Retail trade20
- Health care and social assistance19
- Administrative and support and waste management and remediation services15
- Professional, scientific, and technical services13
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 46561?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 46545 | Mishawaka | 26,606 | $57k | 4.3 mi |
| 46544 | Mishawaka | 31,077 | $59k | 4.6 mi |
| 46517 | Elkhart | 25,433 | $57k | 4.6 mi |
| 46530 | Granger | 31,598 | $122k | 5.9 mi |
| 46514 | Elkhart | 42,389 | $66k | 6.3 mi |
| 46516 | Elkhart | 31,871 | $57k | 6.4 mi |
| 46615 | South Bend | 14,190 | $63k | 7.3 mi (near) |
| 46635 | South Bend | 6,410 | $82k | 7.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.