PlainZIP

Osceola, IN · standard

ZIP Code 46561

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

13,343
356/sq mi
$91,711
Median income
$230,600
Median home value
28.3%
Bachelor's or higher

The verdict

Osceola pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.

Top 25%
household income, US ZIPs
Top 48%
home value, US ZIPs
356
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46561 against every reporting US ZIP.

ZIP code 46561 is a mid-sized community (a standard USPS delivery area) in Osceola, St. Joseph County, Indiana, home to 13,343 residents across 37.5 square miles, a density of 356 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46561 lands in the middle-income range, with a median household income of $91,711 (25% above the Indiana average), while per-capita income is $37,573. 10.1% of residents live below the poverty line, and the unemployment rate reads 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.

Educational attainment sits below the national norm: 28.3% of adults hold a bachelor's degree or higher, the median age is 37.2, and the average commute is 23 minutes. To put 46561 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in St. Joseph County, for a geography-aware comparison.

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 46561

Top 5 sectors by establishment count in Osceola, IN

Which industries have the most business establishments in ZIP 46561.

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 46561, Osceola, 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

13,343

Population

37.5

Area (sq mi)

356

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 46561?

37.2

Median Age

51.6%

Male

48.4%

Female

2.6%

Foreign-Born

White 87.6%
African American 2.5%
Asian 1.2%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.2%
Hispanic or Latino 6.3%

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

How ZIP 46561 ranks nationally

Osceola, IN household income vs. every US ZIP code

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

$91,711 Top 25% higher than 75% 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 63.8%
Bachelor's Degree or Higher 28.3%

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

Owner 85.5%
Renter 14.5%

$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 46561 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 46561 ranks #8 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 46561 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 46561 ranks #2 of 9 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
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

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 Osceola, IN Indiana

Frequently Asked Questions

What county is ZIP code 46561 in? ▼
ZIP code 46561 (Osceola) 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 46561? ▼
ZIP code 46561 in Osceola, IN has a population of 13,343 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46561? ▼
The median household income in ZIP 46561 is $91,711, which is 20% above the national average of $76,288.
What is the average home value in ZIP 46561? ▼
The median home value in ZIP 46561 is $230,600, which is 17% below the national average of $278,155.
What is the demographic makeup of ZIP 46561? ▼
The largest racial group in ZIP 46561 is White at 87.6%. Hispanic or Latino residents make up 6.3% of the population.
How many businesses are in ZIP code 46561? ▼
ZIP code 46561 has 183 business establishments employing approximately 1,467 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46561? ▼
The top industries by establishment count in ZIP 46561 are: Other services (except public administration) (31), Construction (29), Retail trade (20). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 46561? ▼
According to the FHFA House Price Index, home values in ZIP 46561 increased by 5.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 135%. 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 46561? ▼
In ZIP code 46561, 63.8% of residents aged 25+ have a high school diploma or higher, and 28.3% 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 46561? ▼
The mean commute time for workers in ZIP code 46561 is 22.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46561? ▼
In ZIP code 46561, approximately 85.5% of occupied housing units are owner-occupied and 14.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46561? ▼
The poverty rate in ZIP code 46561 is 10.1% 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.