ZIP Code 46628
standardSource:
South Bend · St. Joseph County · Indiana
- Population
- 25,650
- Median income
- $61,759
- Median home value
- $182,200
- Bachelor's or higher
- 25.4%
- Land area
- 90.7 sq mi
283/sq mi
▼ 19% vs US
higher than 32% of US ZIPs
▼ 34% vs US
higher than 39% of US ZIPs
Median age 37.4
Indiana/Indianapolis
ZIP code 46628 in South Bend, Indiana has a population of 25,650. The median household income is $61,759, which is 19% below the national average. Median home value is $182,200, 34% below the US average. 25.4% of residents hold a bachelor's degree or higher.
ZIP code 46628 is classified by USPS as a standard delivery area and covers roughly 90.7 square miles in South Bend, St. Joseph County, Indiana. The area is home to 25,650 residents, producing a population density of 283 people per square mile, and falls within the Indiana/Indianapolis time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 46628 against Indiana and the nation.
On the economic side, the median household income for ZIP 46628 sits at $61,759 (16% below the Indiana average), while per-capita income is $30,862. The poverty rate stands at 19.3% and the unemployment rate at 4.9%. On housing, the median home value is $182,200 (6% below the state average) with median rent at $1,104 per month, and 68.4% of occupied units are owner-occupied, a direct signal of whether 46628 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 25.4% of adults hold a bachelor's degree or higher, the median age is 37.4, and the average commute is 20 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Joseph County, so you can benchmark 46628 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 46628
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 46628.
- Wholesale trade
Wholesale trade
96 establishments
- Retail trade
Retail trade
63 establishments
- Manufacturing
Manufacturing
60 establishments
- Health care and social assistance
Health care and social assistance
52 establishments
- Transportation and warehousing
Transportation and warehousing
51 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 46628, South Bend, IN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
25,650
Population
90.7
Area (sq mi)
283
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46628?
37.4
Median Age
47.1%
Male
52.9%
Female
6.1%
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?
$61,759
Median Household Income
-16% vs state
$30,862
Per Capita Income
19.3%
Poverty Rate
4.9%
Unemployment Rate
20.4 min
Mean Commute Time
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?
12,156
Total Housing Units
10,787
Occupied Units
1,369
Vacant Units
2.55
Avg Household Size
Occupancy Type
$182,200
Median Home Value
-6% vs state
$1,104
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
+2.5%
YoY Change (2024)
206
HPI Index (2000 = 100)
+106%
Total Change Since 2000
Home values in ZIP 46628 have increased 2.5% over the past year (2024). Since 2000, this ZIP has seen +106% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.6% | 138 |
| 2021 | +12.2% | 155 |
| 2022 | +15.8% | 180 |
| 2023 | +11.9% | 201 |
| 2024 | +2.5% | 206 |
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 603 business establishments in ZIP 46628, employing approximately 15,234 people with a combined annual payroll of $876,305,000.
603
Businesses
15,234
Employees
$876.3M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Wholesale trade | 96 | 15.9% |
| Retail trade | 63 | 10.4% |
| Manufacturing | 60 | 9.9% |
| Health care and social assistance | 52 | 8.6% |
| Transportation and warehousing | 51 | 8.5% |
| Other services (except public administration) | 49 | 8.1% |
| Administrative and support and waste management and remediation services | 44 | 7.3% |
| Construction | 41 | 6.8% |
| Accommodation and food services | 41 | 6.8% |
| Professional, scientific, and technical services | 30 | 5.0% |
| Real estate and rental and leasing | 22 | 3.6% |
| Finance and insurance | 20 | 3.3% |
| Information | 11 | 1.8% |
| Management of companies and enterprises | 8 | 1.3% |
| Educational services | 7 | 1.2% |
| Arts, entertainment, and recreation | 6 | 1.0% |
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 46628 vs 46619 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 46619 | South Bend, IN | 21,408 | 4.3 mi |
| 46616 | South Bend, IN | 5,667 | 3.9 mi |
| 46556 | Notre Dame, IN | 7,314 | 4.5 mi |
| 46637 | South Bend, IN | 15,314 | 5.0 mi |
| 46635 | South Bend, IN | 6,654 | 6.6 mi |
| 46601 | South Bend, IN | 6,090 | 5.6 mi |
| 46617 | South Bend, IN | 9,601 | 5.8 mi |
| 46613 | South Bend, IN | 10,893 | 6.1 mi |
| 46552 | New Carlisle, IN | 6,834 | 7.7 mi |
| 46615 | South Bend, IN | 14,609 | 7.2 mi |
More ZIP Codes in St. Joseph County
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Frequently Asked Questions
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How many businesses are in ZIP code 46628? ▼
What are the main industries in ZIP code 46628? ▼
How have home values changed in ZIP code 46628? ▼
What is the education level in ZIP code 46628? ▼
What is the average commute time in ZIP 46628? ▼
What percentage of residents own vs. rent in ZIP 46628? ▼
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ZIP Code Research Guides
Official Data Resources for South Bend, IN
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.