PlainZIP

South Bend, IN · standard

ZIP Code 46614

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

29,573
216/sq mi
$74,153
Median income
$187,500
Median home value
36.1%
Bachelor's or higher

The verdict

South Bend pairs an above-median household income with below-median home values, in a low-density, homeowner-dominated area.

Top 47%
household income, US ZIPs
40th pct
home value, US ZIPs
216
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46614 against every reporting US ZIP.

ZIP code 46614 is a densely settled ZIP (a standard USPS delivery area) in South Bend, St. Joseph County, Indiana, with 29,573 residents across 137.0 square miles, a density of 216 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46614 lands in the middle-income range, with a median household income of $74,153 (1% above the Indiana average), while per-capita income is $39,222. 10.0% of residents live below the poverty line, and the unemployment rate reads 3.8%. On housing, the median home value is $187,500 (3% below the state average) with median rent at $925 per month, and 79.7% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 36.1% of adults hold a bachelor's degree or higher, the median age is 40.6, and the average commute is 22 minutes. To put 46614 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 46614

Top 5 sectors by establishment count in South Bend, IN

Which industries have the most business establishments in ZIP 46614.

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 46614, 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

29,573

Population

137.0

Area (sq mi)

216

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 46614?

40.6

Median Age

46.1%

Male

53.9%

Female

5.6%

Foreign-Born

White 73.9%
African American 11.0%
Asian 2.2%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 10.1%
Hispanic or Latino 9.3%

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?

$74,153

Median Household Income

+1% vs state

$39,222

Per Capita Income

10.0%

Poverty Rate

3.8%

Unemployment Rate

22.2 min

Mean Commute Time

How ZIP 46614 ranks nationally

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

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

$74,153 Top 47% higher than 53% 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%). This entry sits in this band. $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 62.6%
Bachelor's Degree or Higher 36.1%

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

What does housing look like?

12,876

Total Housing Units

12,206

Occupied Units

670

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 79.7%
Renter 20.3%

$187,500

Median Home Value

-3% vs state

$925

Median Rent

1965

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

+3.6%

YoY Change (2024)

216

HPI Index (2000 = 100)

+116%

Total Change Since 2000

Home values in ZIP 46614 have increased 3.6% over the past year (2024). Since 2000, this ZIP has seen +116% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.2% 142
2021 +13.0% 161
2022 +15.7% 186
2023 +11.9% 208
2024 +3.6% 216

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 513 business establishments in ZIP 46614, employing approximately 8,023 people with a combined annual payroll of $376,195,000.

513

Businesses

8,023

Employees

$376.2M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 82 16.0%
Other services (except public administration) 65 12.7%
Health care and social assistance 59 11.5%
Construction 50 9.8%
Accommodation and food services 49 9.6%
Professional, scientific, and technical services 34 6.6%
Administrative and support and waste management and remediation services 32 6.2%
Finance and insurance 30 5.8%
Manufacturing 24 4.7%
Wholesale trade 24 4.7%
Information 16 3.1%
Real estate and rental and leasing 16 3.1%
Transportation and warehousing 15 2.9%
Educational services 8 1.6%
Arts, entertainment, and recreation 8 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 46614 vs 46613 →

ZIP 46614 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 46614 ranks #2 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 46614 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 46614 ranks #3 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
46613 South Bend, IN 10,893 3.7 mi
46536 Lakeville, IN 3,445 5.9 mi
46601 South Bend, IN 6,090 4.8 mi
46616 South Bend, IN 5,667 6.6 mi
46617 South Bend, IN 9,601 6.0 mi
46619 South Bend, IN 21,408 5.4 mi
46556 Notre Dame, IN 7,314 7.3 mi
46615 South Bend, IN 14,609 6.0 mi
46544 Mishawaka, IN 30,759 7.3 mi
46637 South Bend, IN 15,314 9.2 mi

More ZIP Codes in St. Joseph County

46544 standard
Mishawaka, IN
Pop: 30,759
46530 standard
Granger, IN
Pop: 30,614
46628 standard
South Bend, IN
Pop: 25,650
46545 standard
Mishawaka, IN
Pop: 25,082
46619 standard
South Bend, IN
Pop: 21,408
46637 standard
South Bend, IN
Pop: 15,314

Related Areas

St. Joseph County South Bend, IN Indiana

Frequently Asked Questions

What county is ZIP code 46614 in? ▼
ZIP code 46614 (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 46614? ▼
ZIP code 46614 in South Bend, IN has a population of 29,573 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46614? ▼
The median household income in ZIP 46614 is $74,153, which is 3% below the national average of $76,288.
What is the average home value in ZIP 46614? ▼
The median home value in ZIP 46614 is $187,500, which is 33% below the national average of $278,155.
What is the demographic makeup of ZIP 46614? ▼
The largest racial group in ZIP 46614 is White at 73.9%. Hispanic or Latino residents make up 9.3% of the population.
How many businesses are in ZIP code 46614? ▼
ZIP code 46614 has 513 business establishments employing approximately 8,023 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46614? ▼
The top industries by establishment count in ZIP 46614 are: Retail trade (82), Other services (except public administration) (65), Health care and social assistance (59). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 46614? ▼
According to the FHFA House Price Index, home values in ZIP 46614 increased by 3.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 116%. 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 46614? ▼
In ZIP code 46614, 62.6% of residents aged 25+ have a high school diploma or higher, and 36.1% 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 46614? ▼
The mean commute time for workers in ZIP code 46614 is 22.2 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 46614? ▼
In ZIP code 46614, approximately 79.7% of occupied housing units are owner-occupied and 20.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46614? ▼
The poverty rate in ZIP code 46614 is 10.0% 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.