PlainZIP

South Bend, IN · standard

ZIP Code 46635

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

6,654
823/sq mi
$81,944
Median income
$208,400
Median home value
39.5%
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 36%
household income, US ZIPs
46th pct
home value, US ZIPs
823
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46635 against every reporting US ZIP.

ZIP code 46635 is a mid-sized community (a standard USPS delivery area) in South Bend, St. Joseph County, Indiana, home to 6,654 residents across 8.1 square miles, a density of 823 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46635 lands in the middle-income range, with a median household income of $81,944 (11% above the Indiana average), while per-capita income is $37,282. 6.6% of residents live below the poverty line, and the unemployment rate reads 7.2%. Median home value sits at $208,400 (8% above the state average), median rent at $955 a month, and owner-occupancy at 77.0%.

A solid share of residents have a four-year degree: 39.5% of adults hold a bachelor's degree or higher, the median age is 45.7, and the average commute is 19 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Joseph County, so you can benchmark 46635 against its immediate geography rather than a national average alone.

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 46635

Top 5 sectors by establishment count in South Bend, IN

Which industries have the most business establishments in ZIP 46635.

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 46635, 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

6,654

Population

8.1

Area (sq mi)

823

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 46635?

45.7

Median Age

46.9%

Male

53.1%

Female

3.7%

Foreign-Born

White 82.4%
African American 6.3%
Asian 2.6%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.5%
Hispanic or Latino 2.0%

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?

$81,944

Median Household Income

+11% vs state

$37,282

Per Capita Income

6.6%

Poverty Rate

7.2%

Unemployment Rate

19.2 min

Mean Commute Time

How ZIP 46635 ranks nationally

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

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

$81,944 Top 36% higher than 64% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 62.2%
Bachelor's Degree or Higher 39.5%

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

What does housing look like?

2,972

Total Housing Units

2,718

Occupied Units

254

Vacant Units

2.31

Avg Household Size

Occupancy Type

Owner 77.0%
Renter 23.0%

$208,400

Median Home Value

+8% vs state

$955

Median Rent

1968

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

+10.3%

YoY Change (2024)

238

HPI Index (2000 = 100)

+138%

Total Change Since 2000

Home values in ZIP 46635 have increased 10.3% over the past year (2024). Since 2000, this ZIP has seen +138% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.1% 149
2021 +13.8% 170
2022 +13.3% 192
2023 +12.2% 216
2024 +10.3% 238

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 192 business establishments in ZIP 46635, employing approximately 3,334 people with a combined annual payroll of $189,971,000.

192

Businesses

3,334

Employees

$190.0M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 52 27.1%
Finance and insurance 27 14.1%
Other services (except public administration) 24 12.5%
Professional, scientific, and technical services 21 10.9%
Retail trade 16 8.3%
Real estate and rental and leasing 13 6.8%
Accommodation and food services 11 5.7%
Construction 8 4.2%
Administrative and support and waste management and remediation services 6 3.1%
Information 5 2.6%
Educational services 3 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 46635 vs 46615 →

ZIP 46635 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 46635 ranks #9 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 46635 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 46635 ranks #2 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
46615 South Bend, IN 14,609 2.8 mi
46556 Notre Dame, IN 7,314 2.3 mi
46637 South Bend, IN 15,314 2.1 mi
46617 South Bend, IN 9,601 2.5 mi
46616 South Bend, IN 5,667 3.2 mi
46545 Mishawaka, IN 25,082 3.5 mi
46601 South Bend, IN 6,090 3.9 mi
46530 Granger, IN 30,614 4.5 mi
46613 South Bend, IN 10,893 4.9 mi
46628 South Bend, IN 25,650 6.6 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
46628 standard
South Bend, IN
Pop: 25,650
46545 standard
Mishawaka, IN
Pop: 25,082
46619 standard
South Bend, IN
Pop: 21,408

Related Areas

St. Joseph County South Bend, IN Indiana

Frequently Asked Questions

What county is ZIP code 46635 in? ▼
ZIP code 46635 (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 46635? ▼
ZIP code 46635 in South Bend, IN has a population of 6,654 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46635? ▼
The median household income in ZIP 46635 is $81,944, which is 7% above the national average of $76,288.
What is the average home value in ZIP 46635? ▼
The median home value in ZIP 46635 is $208,400, which is 25% below the national average of $278,155.
What is the demographic makeup of ZIP 46635? ▼
The largest racial group in ZIP 46635 is White at 82.4%. Hispanic or Latino residents make up 2.0% of the population.
How many businesses are in ZIP code 46635? ▼
ZIP code 46635 has 192 business establishments employing approximately 3,334 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46635? ▼
The top industries by establishment count in ZIP 46635 are: Health care and social assistance (52), Finance and insurance (27), Other services (except public administration) (24). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 46635? ▼
According to the FHFA House Price Index, home values in ZIP 46635 increased by 10.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 138%. 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 46635? ▼
In ZIP code 46635, 62.2% of residents aged 25+ have a high school diploma or higher, and 39.5% 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 46635? ▼
The mean commute time for workers in ZIP code 46635 is 19.2 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 46635? ▼
In ZIP code 46635, approximately 77.0% of occupied housing units are owner-occupied and 23.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46635? ▼
The poverty rate in ZIP code 46635 is 6.6% 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.