ZIP Code 46637
standardSource:
South Bend · St. Joseph County · Indiana
- Population
- 15,314
- Median income
- $71,462
- Median home value
- $207,100
- Bachelor's or higher
- 39.9%
- Land area
- 25.0 sq mi
613/sq mi
▼ 6% vs US
higher than 49% of US ZIPs
▼ 26% vs US
higher than 45% of US ZIPs
Median age 39.5
Indiana/Indianapolis
ZIP code 46637 in South Bend, Indiana has a population of 15,314. The median household income is $71,462, which is 6% below the national average. Median home value is $207,100, 26% below the US average. 39.9% of residents hold a bachelor's degree or higher.
ZIP code 46637 is classified by USPS as a standard delivery area and covers roughly 25.0 square miles in South Bend, St. Joseph County, Indiana. The area is home to 15,314 residents, producing a population density of 613 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 46637 against Indiana and the nation.
On the economic side, the median household income for ZIP 46637 sits at $71,462 (3% below the Indiana average), while per-capita income is $41,732. The poverty rate stands at 11.3% and the unemployment rate at 5.9%. On housing, the median home value is $207,100 (7% above the state average) with median rent at $1,163 per month, and 68.4% of occupied units are owner-occupied, a direct signal of whether 46637 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 39.9% of adults hold a bachelor's degree or higher, the median age is 39.5, and the average commute is 20 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Joseph County, so you can benchmark 46637 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 46637
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 46637.
- Accommodation and food services
Accommodation and food services
60 establishments
- Retail trade
Retail trade
58 establishments
- Other services (except public administration)
Other services (except public administration)
32 establishments
- Health care and social assistance
Health care and social assistance
27 establishments
- Construction 21
Construction
21 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 46637, 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
15,314
Population
25.0
Area (sq mi)
613
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46637?
39.5
Median Age
51.2%
Male
48.8%
Female
10.4%
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?
$71,462
Median Household Income
-3% vs state
$41,732
Per Capita Income
11.3%
Poverty Rate
5.9%
Unemployment Rate
19.9 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?
8,573
Total Housing Units
7,442
Occupied Units
1,131
Vacant Units
2.14
Avg Household Size
Occupancy Type
$207,100
Median Home Value
+7% vs state
$1,163
Median Rent
1977
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
+8.9%
YoY Change (2024)
221
HPI Index (2000 = 100)
+121%
Total Change Since 2000
Home values in ZIP 46637 have increased 8.9% over the past year (2024). Since 2000, this ZIP has seen +121% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.4% | 146 |
| 2021 | +11.2% | 162 |
| 2022 | +18.6% | 192 |
| 2023 | +5.3% | 203 |
| 2024 | +8.9% | 221 |
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 282 business establishments in ZIP 46637, employing approximately 3,498 people with a combined annual payroll of $133,973,000.
282
Businesses
3,498
Employees
$134.0M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 60 | 21.3% |
| Retail trade | 58 | 20.6% |
| Other services (except public administration) | 32 | 11.3% |
| Health care and social assistance | 27 | 9.6% |
| Construction | 21 | 7.5% |
| Finance and insurance | 16 | 5.7% |
| Professional, scientific, and technical services | 15 | 5.3% |
| Administrative and support and waste management and remediation services | 13 | 4.6% |
| Wholesale trade | 12 | 4.3% |
| Real estate and rental and leasing | 10 | 3.5% |
| Transportation and warehousing | 6 | 2.1% |
| Information | 5 | 1.8% |
| Manufacturing | 4 | 1.4% |
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 46637 vs 46556 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 46556 | Notre Dame, IN | 7,314 | 1.9 mi |
| 46635 | South Bend, IN | 6,654 | 2.1 mi |
| 46617 | South Bend, IN | 9,601 | 3.4 mi |
| 46616 | South Bend, IN | 5,667 | 2.8 mi |
| 46601 | South Bend, IN | 6,090 | 4.4 mi |
| 46615 | South Bend, IN | 14,609 | 4.4 mi |
| 46613 | South Bend, IN | 10,893 | 5.5 mi |
| 46628 | South Bend, IN | 25,650 | 5.0 mi |
| 49120 | Niles, MI | 37,122 | 6.8 mi |
| 46530 | Granger, IN | 30,614 | 5.9 mi |
More ZIP Codes in St. Joseph County
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Frequently Asked Questions
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How many businesses are in ZIP code 46637? ▼
What are the main industries in ZIP code 46637? ▼
How have home values changed in ZIP code 46637? ▼
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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.