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 High-density area
- $61,759
- Median income Below-median income area
- $182,200
- Median home value Near-median home value
- 25.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
South Bend pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.
- 32nd 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46628 (South Bend, IN) rose +2.5% from 2023 to 2024. The all-transactions index moved from 201.2 in 2023 to 206.1 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $30,862. The poverty rate is 19.3%, with unemployment at 4.9%; those measures add context to the income figure. Median home value is $182,200 (6% below the average Indiana ZIP) and median rent is $1,104; 68.4% of occupied 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in St. Joseph County, so 46628 can be compared with both its immediate and county-level context.
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.
- 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 + 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
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 ZIP avg
$30,862
Per Capita Income
19.3%
Poverty Rate
4.9%
Unemployment Rate
20.4 min
Mean Commute Time
How ZIP 46628 ranks among Indiana ZIPs
South Bend, IN household income vs. every Indiana ZIP code
Median household income among 721 reporting Indiana ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$61,759 30th percentile higher than 30% of 721 Indiana ZIPs
Each bar is a $20K-wide band; taller bars hold more Indiana 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
12,156housing units
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 ZIP avg
$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.
- 46628
South Bend (46628)
25,650 residents
- 46619
South Bend (46619)
21,408 residents
- 46637
South Bend (46637)
15,314 residents
- 46615
South Bend (46615)
14,609 residents
- 46613
South Bend (46613)
10,893 residents
- 46617 9,601
South Bend (46617)
9,601 residents
- 46556 7,314
Notre Dame (46556)
7,314 residents
- 46552 6,834
New Carlisle (46552)
6,834 residents
- 46635 6,654
South Bend (46635)
6,654 residents
What this shows Among its immediate neighbors, ZIP 46628 ranks the most populous - useful context the national average alone can't give.
ZIP 46628 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46552
New Carlisle (46552)
$91,341 median income
- 46635
South Bend (46635)
$81,944 median income
- 46617
South Bend (46617)
$74,186 median income
- 46637
South Bend (46637)
$71,462 median income
- 46615
South Bend (46615)
$62,964 median income
- 46628
South Bend (46628)
$61,759 median income
- 46616
South Bend (46616)
$58,537 median income
- 46619
South Bend (46619)
$48,081 median income
- 46613
South Bend (46613)
$42,537 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46628, both outside IN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (25,650 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in St. Joseph County
Related Areas
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.
Related
Take this with you
What to do with ZIP 46628's numbers, next.
- See how ZIP 46628 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where South Bend, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.