ZIP Code 46635
standardSource:
South Bend · St. Joseph County · Indiana
- Population
- 6,654
- Median income
- $81,944
- Median home value
- $208,400
- Bachelor's or higher
- 39.5%
- Land area
- 8.1 sq mi
823/sq mi
▲ 7% vs US
higher than 64% of US ZIPs
▼ 25% vs US
higher than 46% of US ZIPs
Median age 45.7
Indiana/Indianapolis
ZIP code 46635 in South Bend, Indiana has a population of 6,654. The median household income is $81,944, which is 7% above the national average. Median home value is $208,400, 25% below the US average. 39.5% of residents hold a bachelor's degree or higher.
ZIP code 46635 is classified by USPS as a standard delivery area and covers roughly 8.1 square miles in South Bend, St. Joseph County, Indiana. The area is home to 6,654 residents, producing a population density of 823 people per square mile, and falls within the Indiana/Indianapolis time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 46635 against Indiana and the nation.
On the economic side, the median household income for ZIP 46635 sits at $81,944 (11% above the Indiana average), while per-capita income is $37,282. The poverty rate stands at 6.6% and the unemployment rate at 7.2%. On housing, the median home value is $208,400 (8% above the state average) with median rent at $955 per month, and 77.0% of occupied units are owner-occupied, a direct signal of whether 46635 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 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 is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 46635
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$37,282
Per Capita Income
6.6%
Poverty Rate
7.2%
Unemployment Rate
19.2 min
Mean Commute Time
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?
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
$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 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
Related Areas
Frequently Asked Questions
What county is ZIP code 46635 in? ▼
What is the population of ZIP code 46635? ▼
What is the median household income in ZIP 46635? ▼
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What is the demographic makeup of ZIP 46635? ▼
How many businesses are in ZIP code 46635? ▼
What are the main industries in ZIP code 46635? ▼
How have home values changed in ZIP code 46635? ▼
What is the education level in ZIP code 46635? ▼
What is the average commute time in ZIP 46635? ▼
What percentage of residents own vs. rent in ZIP 46635? ▼
What is the poverty rate in ZIP code 46635? ▼
ZIP Code Research Guides
Official Data Resources for South Bend, IN
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.