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 High-density area
- $82,188
- Median income Near-median income area
- $274,500
- Median home value Near-median home value
- 50.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46590 (Winona Lake, IN) fell -3.4% from 2023 to 2024. The all-transactions index moved from 246.0 in 2023 to 237.6 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $46,578. The poverty rate is 8.0%, with unemployment at 1.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $274,500 (42% above the average Indiana ZIP), while 61.6% of occupied homes are owner-occupied and median rent is $1,132.
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 -. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Kosciusko County, so 46590 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 46590
Top 5 sectors by establishment count in Winona Lake, IN
Which industries have the most business establishments in ZIP 46590.
- Other services (except public administration)
Other services (except public administration)
22 establishments
- Retail trade
Retail trade
15 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
14 establishments
- Health care and social assistance
Health care and social assistance
10 establishments
- Finance and insurance
Finance and insurance
9 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 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
Who lives in ZIP 46590?
28.9
Median Age
43.5%
Male
56.5%
Female
4.0%
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?
$82,188
Median Household Income
+12% vs state ZIP avg
$46,578
Per Capita Income
8.0%
Poverty Rate
1.4%
Unemployment Rate
How ZIP 46590 ranks among Indiana ZIPs
Winona Lake, 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)
$82,188 Top 27% higher than 73% 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
2,039housing units
2,039
Total Housing Units
1,820
Occupied Units
219
Vacant Units
2.30
Avg Household Size
Occupancy Type
$274,500
Median Home Value
+42% vs state ZIP avg
$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.
- 46580
Warsaw (46580)
21,338 residents
- 46582
Warsaw (46582)
12,378 residents
- 46590 4,908
Winona Lake (46590)
4,908 residents
- 46562 4,788
Pierceton (46562)
4,788 residents
- 46538 3,867
Leesburg (46538)
3,867 residents
- 46510 3,631
Claypool (46510)
3,631 residents
- 46555 2,835
North Webster (46555)
2,835 residents
What this shows Among its immediate neighbors, ZIP 46590 ranks #3 by population - useful context the national average alone can't give.
ZIP 46590 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46510
Claypool (46510)
$99,420 median income
- 46538
Leesburg (46538)
$89,803 median income
- 46590
Winona Lake (46590)
$82,188 median income
- 46580
Warsaw (46580)
$71,687 median income
- 46555
North Webster (46555)
$70,399 median income
- 46562
Pierceton (46562)
$68,902 median income
- 46582
Warsaw (46582)
$66,738 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46590, 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 (4,908 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kosciusko County
Related Areas
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.
Related
Take this with you
What to do with ZIP 46590's numbers, next.
- See how ZIP 46590 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Winona Lake, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.