ZIP Code 46561
standardSource:
Osceola · St. Joseph County · Indiana
- Population
- 13,343
- Median income
- $91,711
- Median home value
- $230,600
- Bachelor's or higher
- 28.3%
- Land area
- 37.5 sq mi
356/sq mi
▲ 20% vs US
higher than 75% of US ZIPs
▼ 17% vs US
higher than 52% of US ZIPs
Median age 37.2
Indiana/Indianapolis
ZIP code 46561 in Osceola, Indiana has a population of 13,343. The median household income is $91,711, which is 20% above the national average. Median home value is $230,600, 17% below the US average. 28.3% of residents hold a bachelor's degree or higher.
ZIP code 46561 is classified by USPS as a standard delivery area and covers roughly 37.5 square miles in Osceola, St. Joseph County, Indiana. The area is home to 13,343 residents, producing a population density of 356 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 46561 against Indiana and the nation.
On the economic side, the median household income for ZIP 46561 sits at $91,711 (25% above the Indiana average), while per-capita income is $37,573. The poverty rate stands at 10.1% and the unemployment rate at 1.6%. On housing, the median home value is $230,600 (19% above the state average) with median rent at $1,199 per month, and 85.5% of occupied units are owner-occupied, a direct signal of whether 46561 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 28.3% of adults hold a bachelor's degree or higher, the median age is 37.2, and the average commute is 23 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Joseph County, so you can benchmark 46561 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 46561
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 46561.
- Other services (except public administration)
Other services (except public administration)
31 establishments
- Construction
Construction
29 establishments
- Retail trade
Retail trade
20 establishments
- Health care and social assistance
Health care and social assistance
19 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
15 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 46561, Osceola, 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
13,343
Population
37.5
Area (sq mi)
356
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46561?
37.2
Median Age
51.6%
Male
48.4%
Female
2.6%
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?
$91,711
Median Household Income
+25% vs state
$37,573
Per Capita Income
10.1%
Poverty Rate
1.6%
Unemployment Rate
22.5 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?
5,236
Total Housing Units
5,112
Occupied Units
124
Vacant Units
2.73
Avg Household Size
Occupancy Type
$230,600
Median Home Value
+19% vs state
$1,199
Median Rent
1983
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
+5.6%
YoY Change (2024)
235
HPI Index (2000 = 100)
+135%
Total Change Since 2000
Home values in ZIP 46561 have increased 5.6% over the past year (2024). Since 2000, this ZIP has seen +135% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.9% | 156 |
| 2021 | +13.2% | 176 |
| 2022 | +14.8% | 202 |
| 2023 | +10.0% | 223 |
| 2024 | +5.6% | 235 |
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 183 business establishments in ZIP 46561, employing approximately 1,467 people with a combined annual payroll of $52,657,000.
183
Businesses
1,467
Employees
$52.7M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 31 | 16.9% |
| Construction | 29 | 15.8% |
| Retail trade | 20 | 10.9% |
| Health care and social assistance | 19 | 10.4% |
| Administrative and support and waste management and remediation services | 15 | 8.2% |
| Professional, scientific, and technical services | 13 | 7.1% |
| Finance and insurance | 10 | 5.5% |
| Wholesale trade | 9 | 4.9% |
| Real estate and rental and leasing | 9 | 4.9% |
| Accommodation and food services | 8 | 4.4% |
| Transportation and warehousing | 7 | 3.8% |
| Manufacturing | 5 | 2.7% |
| Information | 3 | 1.6% |
| Educational services | 3 | 1.6% |
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 46561 vs 46545 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 46545 | Mishawaka, IN | 25,082 | 4.2 mi |
| 46544 | Mishawaka, IN | 30,759 | 4.6 mi |
| 46517 | Elkhart, IN | 23,764 | 4.9 mi |
| 46530 | Granger, IN | 30,614 | 5.9 mi |
| 46573 | Wakarusa, IN | 3,565 | 8.6 mi |
| 46516 | Elkhart, IN | 33,501 | 6.8 mi |
| 46615 | South Bend, IN | 14,609 | 7.1 mi |
| 46514 | Elkhart, IN | 40,263 | 6.6 mi |
| 49112 | Edwardsburg, MI | 10,171 | 9.5 mi |
| 46635 | South Bend, IN | 6,654 | 7.7 mi |
More ZIP Codes in St. Joseph County
Related Areas
Frequently Asked Questions
What county is ZIP code 46561 in? ▼
What is the population of ZIP code 46561? ▼
What is the median household income in ZIP 46561? ▼
What is the average home value in ZIP 46561? ▼
What is the demographic makeup of ZIP 46561? ▼
How many businesses are in ZIP code 46561? ▼
What are the main industries in ZIP code 46561? ▼
How have home values changed in ZIP code 46561? ▼
What is the education level in ZIP code 46561? ▼
What is the average commute time in ZIP 46561? ▼
What percentage of residents own vs. rent in ZIP 46561? ▼
What is the poverty rate in ZIP code 46561? ▼
ZIP Code Research Guides
Official Data Resources for Osceola, 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.