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 High-density area
- $81,944
- Median income Near-median income area
- $208,400
- Median home value Near-median home value
- 39.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46635 (South Bend, IN) rose +10.3% from 2023 to 2024. The all-transactions index moved from 216.0 in 2023 to 238.1 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $37,282. The poverty rate is 6.6%, with unemployment at 7.2%; those measures add context to the income figure. Median home value is $208,400 (8% above the average Indiana ZIP) and median rent is $955; 77.0% of occupied homes are owner-occupied.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in St. Joseph County, so 46635 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 46635
Top 5 sectors by establishment count in South Bend, IN
Which industries have the most business establishments in ZIP 46635.
- Health care and social assistance
Health care and social assistance
52 establishments
- Finance and insurance
Finance and insurance
27 establishments
- Other services (except public administration)
Other services (except public administration)
24 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
21 establishments
- Retail trade 16
Retail trade
16 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 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
Who lives in ZIP 46635?
45.7
Median Age
46.9%
Male
53.1%
Female
3.7%
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?
$81,944
Median Household Income
+11% vs state ZIP avg
$37,282
Per Capita Income
6.6%
Poverty Rate
7.2%
Unemployment Rate
19.2 min
Mean Commute Time
How ZIP 46635 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)
$81,944 Top 27% higher than 73% 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
2,972housing units
2,972
Total Housing Units
2,718
Occupied Units
254
Vacant Units
2.31
Avg Household Size
Occupancy Type
$208,400
Median Home Value
+8% vs state ZIP avg
$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.
- 46530
Granger (46530)
30,614 residents
- 46628
South Bend (46628)
25,650 residents
- 46545
Mishawaka (46545)
25,082 residents
- 46637
South Bend (46637)
15,314 residents
- 46615
South Bend (46615)
14,609 residents
- 46613 10,893
South Bend (46613)
10,893 residents
- 46617 9,601
South Bend (46617)
9,601 residents
- 46556 7,314
Notre Dame (46556)
7,314 residents
- 46635 6,654
South Bend (46635)
6,654 residents
What this shows Among its immediate neighbors, ZIP 46635 ranks #9 by population - useful context the national average alone can't give.
ZIP 46635 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46530
Granger (46530)
$122,129 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
- 46545
Mishawaka (46545)
$56,865 median income
- 46613 $42,537
South Bend (46613)
$42,537 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46635, 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 (6,654 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 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.
Related
Take this with you
What to do with ZIP 46635's numbers, next.
- See how ZIP 46635 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.