PlainZIP

South Bend, IN · standard

ZIP Code 46613

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

10,893
1,473/sq mi
$42,537
Median income
$82,800
Median home value
11.9%
Bachelor's or higher

The verdict

South Bend pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a low-density, mixed-tenure area.

7th pct
household income, US ZIPs
5th pct
home value, US ZIPs
1,473
people per sq mi
53%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46613 against every reporting US ZIP.

ZIP code 46613 is a mid-sized community (a standard USPS delivery area) in South Bend, St. Joseph County, Indiana, home to 10,893 residents across 7.4 square miles, a density of 1,473 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46613 reports a modest median household income of $42,537 (42% below the Indiana average), while per-capita income is $18,970. Poverty here runs at 33.6%, with unemployment measured at 8.6%. Housing costs here run $82,800 for a typical home value (57% below the state average), with rent averaging $990 a month; 53.4% of homes are owner-occupied.

Formal educational attainment runs low here: just 11.9% of adults hold a bachelor's degree or higher, the median age is 28.8, and the average commute is 21 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 46613, plus 6 more within St. Joseph County, give a clearer read than the 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 46613

Top 5 sectors by establishment count in South Bend, IN

Which industries have the most business establishments in ZIP 46613.

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 46613, South Bend, 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

10,893

Population

7.4

Area (sq mi)

1,473

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 46613?

28.8

Median Age

48.8%

Male

51.2%

Female

7.6%

Foreign-Born

White 44.8%
African American 22.2%
Asian 1.6%
American Indian or Alaska Native 1.0%
Native Hawaiian or Pacific Islander 0.3%
Two or More Ethnicities 26.0%
Hispanic or Latino 23.9%

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?

$42,537

Median Household Income

-42% vs state

$18,970

Per Capita Income

33.6%

Poverty Rate

8.6%

Unemployment Rate

21.4 min

Mean Commute Time

How ZIP 46613 ranks nationally

South Bend, IN household income vs. every US ZIP code

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

$42,537 7th percentile higher than 7% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 57.4%
Bachelor's Degree or Higher 11.9%

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

What does housing look like?

4,758

Total Housing Units

4,244

Occupied Units

514

Vacant Units

2.84

Avg Household Size

Occupancy Type

Owner 53.4%
Renter 46.6%

$82,800

Median Home Value

-57% vs state

$990

Median Rent

1938

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

+7.0%

YoY Change (2024)

222

HPI Index (2000 = 100)

+122%

Total Change Since 2000

Home values in ZIP 46613 have increased 7.0% over the past year (2024). Since 2000, this ZIP has seen +122% cumulative appreciation.

Year Annual Change HPI Index
2020 +10.9% 131
2021 +14.3% 149
2022 +20.1% 179
2023 +15.7% 207
2024 +7.0% 222

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 158 business establishments in ZIP 46613, employing approximately 1,843 people with a combined annual payroll of $84,372,000.

158

Businesses

1,843

Employees

$84.4M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 28 17.7%
Retail trade 22 13.9%
Other services (except public administration) 21 13.3%
Construction 16 10.1%
Manufacturing 14 8.9%
Administrative and support and waste management and remediation services 12 7.6%
Accommodation and food services 10 6.3%
Wholesale trade 8 5.1%
Transportation and warehousing 7 4.4%
Finance and insurance 6 3.8%
Professional, scientific, and technical services 5 3.2%
Real estate and rental and leasing 4 2.5%

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 46613 vs 46601 →

ZIP 46613 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 46613 ranks #6 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 46613 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 46613 ranks #9 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
46601 South Bend, IN 6,090 1.1 mi
46616 South Bend, IN 5,667 3.0 mi
46617 South Bend, IN 9,601 2.4 mi
46556 Notre Dame, IN 7,314 3.6 mi
46615 South Bend, IN 14,609 2.8 mi
46614 South Bend, IN 29,573 3.7 mi
46637 South Bend, IN 15,314 5.5 mi
46619 South Bend, IN 21,408 4.8 mi
46635 South Bend, IN 6,654 4.9 mi
46628 South Bend, IN 25,650 6.1 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 South Bend, IN Indiana

Frequently Asked Questions

What county is ZIP code 46613 in? ▼
ZIP code 46613 (South Bend) 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 46613? ▼
ZIP code 46613 in South Bend, IN has a population of 10,893 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46613? ▼
The median household income in ZIP 46613 is $42,537, which is 44% below the national average of $76,288.
What is the average home value in ZIP 46613? ▼
The median home value in ZIP 46613 is $82,800, which is 70% below the national average of $278,155.
What is the demographic makeup of ZIP 46613? ▼
The largest racial group in ZIP 46613 is White at 44.8%. Hispanic or Latino residents make up 23.9% of the population.
How many businesses are in ZIP code 46613? ▼
ZIP code 46613 has 158 business establishments employing approximately 1,843 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46613? ▼
The top industries by establishment count in ZIP 46613 are: Health care and social assistance (28), Retail trade (22), Other services (except public administration) (21). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 46613? ▼
According to the FHFA House Price Index, home values in ZIP 46613 increased by 7.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 122%. 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 46613? ▼
In ZIP code 46613, 57.4% of residents aged 25+ have a high school diploma or higher, and 11.9% 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 46613? ▼
The mean commute time for workers in ZIP code 46613 is 21.4 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 46613? ▼
In ZIP code 46613, approximately 53.4% of occupied housing units are owner-occupied and 46.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46613? ▼
The poverty rate in ZIP code 46613 is 33.6% 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.