PlainZIP

Winona Lake, IN · standard

ZIP Code 46590

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

4,908
669/sq mi
$82,188
Median income
$274,500
Median home value
50.6%
Bachelor's or higher

The verdict

Winona Lake pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.

Top 35%
household income, US ZIPs
Top 38%
home value, US ZIPs
669
people per sq mi
62%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46590 against every reporting US ZIP.

ZIP code 46590 covers 7.3 square miles in Winona Lake, Kosciusko County, Indiana (a standard USPS delivery area), with a modest 4,908 residents on file, a density of 669 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46590 lands in the middle-income range, with a median household income of $82,188 (12% above the Indiana average), while per-capita income is $46,578. Local economic indicators show a 8.0% poverty rate alongside 1.4% unemployment. Housing costs here run $274,500 for a typical home value (42% above the state average), with rent averaging $1,132 a month; 61.6% of homes are owner-occupied.

This is a highly-educated ZIP: 50.6% of adults hold a bachelor's degree or higher, the median age is 28.9, and the average commute is -. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Kosciusko County, so you can benchmark 46590 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 46590

Top 5 sectors by establishment count in Winona Lake, IN

Which industries have the most business establishments in ZIP 46590.

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 46590, Winona Lake, 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

4,908

Population

7.3

Area (sq mi)

669

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 46590?

28.9

Median Age

43.5%

Male

56.5%

Female

4.0%

Foreign-Born

White 83.4%
African American 1.0%
Asian 0.5%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.4%
Hispanic or Latino 11.4%

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?

$82,188

Median Household Income

+12% vs state

$46,578

Per Capita Income

8.0%

Poverty Rate

1.4%

Unemployment Rate

How ZIP 46590 ranks nationally

Winona Lake, IN household income vs. every US ZIP code

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

$82,188 Top 35% higher than 65% 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 68.3%
Bachelor's Degree or Higher 50.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,039

Total Housing Units

1,820

Occupied Units

219

Vacant Units

2.30

Avg Household Size

Occupancy Type

Owner 61.6%
Renter 38.4%

$274,500

Median Home Value

+42% vs state

$1,132

Median Rent

1979

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

-3.4%

YoY Change (2024)

238

HPI Index (2000 = 100)

+138%

Total Change Since 2000

Home values in ZIP 46590 have decreased 3.4% over the past year (2024). Since 2000, this ZIP has seen +138% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.6% 179
2021 +6.3% 190
2022 +23.8% 236
2023 +4.3% 246
2024 -3.4% 238

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 101 business establishments in ZIP 46590, employing approximately 1,884 people with a combined annual payroll of $53,581,000.

101

Businesses

1,884

Employees

$53.6M

Annual Payroll

8

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 22 21.8%
Retail trade 15 14.8%
Professional, scientific, and technical services 14 13.9%
Health care and social assistance 10 9.9%
Finance and insurance 9 8.9%
Accommodation and food services 9 8.9%
Construction 7 6.9%
Real estate and rental and leasing 6 5.9%

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 46590 vs 46580 →

ZIP 46590 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 46590 ranks #3 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 46590 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 46590 ranks #3 of 7 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
46580 Warsaw, IN 21,338 3.3 mi
46582 Warsaw, IN 12,378 5.3 mi
46562 Pierceton, IN 4,788 5.8 mi
46538 Leesburg, IN 3,867 7.7 mi
46510 Claypool, IN 3,631 7.4 mi
46555 North Webster, IN 2,835 10.0 mi

More ZIP Codes in Kosciusko County

46580 standard
Warsaw, IN
Pop: 21,338
46582 standard
Warsaw, IN
Pop: 12,378
46567 standard
Syracuse, IN
Pop: 9,405
46562 standard
Pierceton, IN
Pop: 4,788
46542 standard
Milford, IN
Pop: 4,198
46538 standard
Leesburg, IN
Pop: 3,867

Related Areas

Kosciusko County Winona Lake, IN Indiana

Frequently Asked Questions

What county is ZIP code 46590 in? ▼
ZIP code 46590 (Winona Lake) is located in Kosciusko County, Indiana. Kosciusko County contains multiple ZIP codes, see the full list at /counties/kosciusko-in.
What is the population of ZIP code 46590? ▼
ZIP code 46590 in Winona Lake, IN has a population of 4,908 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46590? ▼
The median household income in ZIP 46590 is $82,188, which is 8% above the national average of $76,288.
What is the average home value in ZIP 46590? ▼
The median home value in ZIP 46590 is $274,500, which is 1% below the national average of $278,155.
What is the demographic makeup of ZIP 46590? ▼
The largest racial group in ZIP 46590 is White at 83.4%. Hispanic or Latino residents make up 11.4% of the population.
How many businesses are in ZIP code 46590? ▼
ZIP code 46590 has 101 business establishments employing approximately 1,884 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46590? ▼
The top industries by establishment count in ZIP 46590 are: Other services (except public administration) (22), Retail trade (15), Professional, scientific, and technical services (14). There are 8 industry sectors represented in total.
How have home values changed in ZIP code 46590? ▼
According to the FHFA House Price Index, home values in ZIP 46590 decreased by 3.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 138%. 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 46590? ▼
In ZIP code 46590, 68.3% of residents aged 25+ have a high school diploma or higher, and 50.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 46590? ▼
In ZIP code 46590, approximately 61.6% of occupied housing units are owner-occupied and 38.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46590? ▼
The poverty rate in ZIP code 46590 is 8.0% 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.