PlainZIP

South Bend, IN · standard

ZIP Code 46628

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

25,650
283/sq mi
$61,759
Median income
$182,200
Median home value
25.4%
Bachelor's or higher

The verdict

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

32th pct
household income, US ZIPs
39th pct
home value, US ZIPs
283
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46628 against every reporting US ZIP.

ZIP code 46628 is a densely settled ZIP (a standard USPS delivery area) in South Bend, St. Joseph County, Indiana, with 25,650 residents across 90.7 square miles, a density of 283 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46628 reports a modest median household income of $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%. Housing costs here run $182,200 for a typical home value (6% below the state average), with rent averaging $1,104 a month; 68.4% of homes are owner-occupied.

Educational attainment sits below the national norm: 25.4% of adults hold a bachelor's degree or higher, the median age is 37.4, and the average commute is 20 minutes. To put 46628 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 46628

Top 5 sectors by establishment count in South Bend, IN

Which industries have the most business establishments in ZIP 46628.

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 46628, 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

25,650

Population

90.7

Area (sq mi)

283

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 46628?

37.4

Median Age

47.1%

Male

52.9%

Female

6.1%

Foreign-Born

White 57.0%
African American 26.4%
Asian 1.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 9.9%
Hispanic or Latino 12.2%

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

How ZIP 46628 ranks nationally

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

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

$61,759 32nd percentile higher than 32% 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 59.0%
Bachelor's Degree or Higher 25.4%

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

Owner 68.4%
Renter 31.6%

$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 46628 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 46628 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 46628 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 46628 ranks #6 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
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

46544 standard
Mishawaka, IN
Pop: 30,759
46530 standard
Granger, IN
Pop: 30,614
46614 standard
South Bend, IN
Pop: 29,573
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 46628 in? ▼
ZIP code 46628 (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 46628? ▼
ZIP code 46628 in South Bend, IN has a population of 25,650 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46628? ▼
The median household income in ZIP 46628 is $61,759, which is 19% below the national average of $76,288.
What is the average home value in ZIP 46628? ▼
The median home value in ZIP 46628 is $182,200, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 46628? ▼
The largest racial group in ZIP 46628 is White at 57.0%. Hispanic or Latino residents make up 12.2% of the population.
How many businesses are in ZIP code 46628? ▼
ZIP code 46628 has 603 business establishments employing approximately 15,234 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46628? ▼
The top industries by establishment count in ZIP 46628 are: Wholesale trade (96), Retail trade (63), Manufacturing (60). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46628? ▼
According to the FHFA House Price Index, home values in ZIP 46628 increased by 2.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 106%. 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 46628? ▼
In ZIP code 46628, 59.0% of residents aged 25+ have a high school diploma or higher, and 25.4% 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 46628? ▼
The mean commute time for workers in ZIP code 46628 is 20.4 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 46628? ▼
In ZIP code 46628, approximately 68.4% of occupied housing units are owner-occupied and 31.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46628? ▼
The poverty rate in ZIP code 46628 is 19.3% 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.