Residential delivery area · Indiana
ZIP Code 46628: South Bend, IN
ZIP code 46628 uses the postal name South Bend, Indiana and lies entirely in St. Joseph County (Census 2020 ZIP-county file). About 28,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of South Bend's 11 residential ZIP codes. Median household income is $61,759 (Census Bureau, ACS 2020-2024). By Census place, 40% of its land lies in South Bend; 60% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- South Bend · 11 residential ZIPs
- County
- St. Joseph County
- Census places
- South Bend
- Metro area
- South Bend-Mishawaka, IN-MI
- House district
- IN-2 119th Congress
- State
- Indiana
- Time zone
- Eastern
- Land area
- 34.2 sq mi · 810 people per sq mi
Where is ZIP code 46628?
46628 centers on 41.720°, -86.320° and covers 34.2 square miles of land plus 0.7 of water. It borders 6 ZIP codes: 46616, 46637, 46619, 46601, 46552, 49120.
The map draws ZIP code areas only. For the streets inside 46628, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 46628 compare with the rest of South Bend?
| Measure | 46628 | In South Bend | In St. Joseph County | In IN |
|---|---|---|---|---|
| People (ACS 2020-2024) | 27,685 | 2nd of 11 | 4th of 24 | 77th of 807 |
| Median household income | $62k | 6th of 9 | 14th of 19 | 347th of 478 |
| Median home value | $182k | 5th of 10 | 14th of 21 | 285th of 509 |
Its median household income is higher than in 32% of U.S. residential ZIP codes, and it is denser than 76% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 46628?
The 2020 Census counted 27,011 people in 46628; the ACS, which samples households over 2020-2024, estimates 27,685. Between the 2010 and 2020 censuses its population grew 5.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 27,685
- 2020 Census count
- 27,011+5.3% since 2010 (25,650)
- Households
- 10,787
- Median age
- 37.4
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 46628?
Of the 27,685 people the ACS estimates in 46628, 25.7% are under 18 and 15.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (55.3%), then Black (not Hispanic) (25.9%).
- Under 1825.7%
- 18 to 6459.2%
- 65 and older15.1%
- White, not Hispanic55.3%
- Black, not Hispanic25.9%
- Hispanic or Latino12.2%
- Other or two or more5.6%
- Asian, not Hispanic1.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 46628 earn?
Median household income is $61,759 (ACS 2020-2024), the 14th highest of the 19 ranked ZIP codes in St. Joseph County. It is not measurably different from 2015-2019 ($55,357 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $61,759
- Income per person
- $30,862
- Below the poverty line
- 19.3%
- Unemployed (of the labor force)
- 4.9%
- Adults 25+ with a bachelor's degree
- 25.4%
- Adjusted gross income per tax return, 2022
- $58,71612,510 returns; wages 75% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 46628?
FHFA's house price index for 46628, built from repeat sales and appraisals of the same homes, rose 98% from 2015 to 2025 and rose 58% from 2020 to 2025, and moved +5.7% in 2025.
- Median home value (owners' estimate)
- $182,200
- Median gross rent
- $1,104
- Homes owned by their occupants
- 68.4%
- Housing units
- 12,156
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 46628?
603 business establishments had a location in this ZIP code in 2023, 27 more than in 2018; the most are in wholesale trade (ZIP Code Business Patterns).
- Wholesale trade96
- Retail trade63
- Manufacturing60
- Health care and social assistance52
- Transportation and warehousing51
- Other services (except public administration)49
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 46628?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 46616 | South Bend | 5,979 | $59k | 3.2 mi |
| 46637 | South Bend | 16,200 | $72k | 4.1 mi |
| 46619 | South Bend | 21,729 | $48k | 4.4 mi |
| 46601 | South Bend | 4,800 | $31k | 4.9 mi |
| 46552 | New Carlisle | 7,047 | $91k | 8.4 mi |
| 49120 | Niles, MI | 36,495 | $65k | 9.0 mi |
| 46624 | South Bend | 28 | – | 3.7 mi (near) |
| 46556 | Notre Dame | 8,344 | – | 4.1 mi (near) |
| 46617 | South Bend | 10,032 | $74k | 5.1 mi (near) |
| 46613 | South Bend | 12,279 | $43k | 5.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.