South Bend, IN · standard
ZIP Code 46637
St. Joseph County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 15,314
- 613/sq mi High-density area
- $71,462
- Median income Near-median income area
- $207,100
- Median home value Near-median home value
- 39.9%
- Bachelor's or higher Above-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.
- 49th pct
- household income, US ZIPs
- 45th pct
- home value, US ZIPs
- 613
- people per sq mi
- 68%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46637 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 46637 (South Bend, IN) rose +8.9% from 2023 to 2024. The all-transactions index moved from 202.8 in 2023 to 220.9 in 2024 (2000 = 100).
ZIP code 46637 is a mid-sized community (a standard USPS delivery area) in South Bend, St. Joseph County, Indiana, home to 15,314 residents across 25.0 square miles, a density of 613 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46637 lands in the middle-income range, with a median household income of $71,462 (3% below the average Indiana ZIP), while per-capita income is $41,732. The poverty rate is 11.3%, with unemployment at 5.9%; those measures add context to the income figure. Median home value is $207,100 (7% above the average Indiana ZIP) and median rent is $1,163; 68.4% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 39.9% of adults hold a bachelor's degree or higher, the median age is 39.5, 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 46637 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 46637
Top 5 sectors by establishment count in South Bend, IN
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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 ZIP avg
$41,732
Per Capita Income
11.3%
Poverty Rate
5.9%
Unemployment Rate
19.9 min
Mean Commute Time
How ZIP 46637 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)
$71,462 Top 49% higher than 51% 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
8,573housing units
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 ZIP avg
$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 46637 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 49120
Niles (49120)
37,122 residents
- 46530
Granger (46530)
30,614 residents
- 46628
South Bend (46628)
25,650 residents
- 46637
South Bend (46637)
15,314 residents
- 46615 14,609
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 46637 ranks #4 by population - useful context the national average alone can't give.
ZIP 46637 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
- 49120
Niles (49120)
$65,148 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
- 46613 $42,537
South Bend (46613)
$42,537 median income
What this shows By household income, ZIP 46637 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46637, 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 (15,314 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 46637 in?
ZIP code 46637 (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 46637?
ZIP code 46637 in South Bend, IN has a population of 15,314 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46637?
The median household income in ZIP 46637 is $71,462, which is 6% below the national average of $76,288.
What is the average home value in ZIP 46637?
The median home value in ZIP 46637 is $207,100, which is 26% below the national average of $278,155.
What is the demographic makeup of ZIP 46637?
The largest racial group in ZIP 46637 is White at 71.2%. Hispanic or Latino residents make up 3.9% of the population.
How many businesses are in ZIP code 46637?
ZIP code 46637 has 282 business establishments employing approximately 3,498 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46637?
The top industries by establishment count in ZIP 46637 are: Accommodation and food services (60), Retail trade (58), Other services (except public administration) (32). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 46637?
According to the FHFA House Price Index, home values in ZIP 46637 increased by 8.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 121%. 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 46637?
In ZIP code 46637, 62.4% of residents aged 25+ have a high school diploma or higher, and 39.9% 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 46637?
The mean commute time for workers in ZIP code 46637 is 19.9 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 46637?
In ZIP code 46637, 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 46637?
The poverty rate in ZIP code 46637 is 11.3% 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 46637's numbers, next.
- See how ZIP 46637 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
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.