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 High-density area
- $91,711
- Median income Above-median income area
- $230,600
- Median home value Near-median home value
- 28.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46561 (Osceola, IN) rose +5.6% from 2023 to 2024. The all-transactions index moved from 222.7 in 2023 to 235.1 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $37,573. The poverty rate is 10.1%, with unemployment at 1.6%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $230,600 (19% above the average Indiana ZIP), while 85.5% of occupied homes are owner-occupied and median rent is $1,199.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in St. Joseph County, so 46561 can be compared with both its immediate and county-level context.
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.
- 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 + 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
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 ZIP avg
$37,573
Per Capita Income
10.1%
Poverty Rate
1.6%
Unemployment Rate
22.5 min
Mean Commute Time
How ZIP 46561 ranks among Indiana ZIPs
Osceola, IN household income vs. every Indiana ZIP code
Median household income among 721 reporting Indiana ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$91,711 Top 15% higher than 85% of 721 Indiana ZIPs
Each bar is a $20K-wide band; taller bars hold more Indiana 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,236housing units
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 ZIP avg
$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.
- 46514
Elkhart (46514)
40,263 residents
- 46516
Elkhart (46516)
33,501 residents
- 46544
Mishawaka (46544)
30,759 residents
- 46530
Granger (46530)
30,614 residents
- 46545
Mishawaka (46545)
25,082 residents
- 46517
Elkhart (46517)
23,764 residents
- 46615 14,609
South Bend (46615)
14,609 residents
- 46561 13,343
Osceola (46561)
13,343 residents
- 49112 10,171
Edwardsburg (49112)
10,171 residents
What this shows Among its immediate neighbors, ZIP 46561 ranks #8 by population - useful context the national average alone can't give.
ZIP 46561 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46530
Granger (46530)
$122,129 median income
- 46561
Osceola (46561)
$91,711 median income
- 46573
Wakarusa (46573)
$85,750 median income
- 46635
South Bend (46635)
$81,944 median income
- 46514
Elkhart (46514)
$65,833 median income
- 46615
South Bend (46615)
$62,964 median income
- 49112
Edwardsburg (49112)
$61,785 median income
- 46544
Mishawaka (46544)
$58,829 median income
- 46545
Mishawaka (46545)
$56,865 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46561, both outside IN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (13,343 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in St. Joseph County
Related Areas
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.
Related
Take this with you
What to do with ZIP 46561's numbers, next.
- See how ZIP 46561 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Osceola, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.