Zip code 46540: Middlebury, Indiana

Q: What city is zip code 46540?

46540 is assigned to Middlebury, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46540 in?

46540 is mostly in Elkhart County, but it extends into 1 other county.

Q: What is the population of 46540?

About 12,993 people live in 46540, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46540?

The median household income in 46540 is $96,615.

Q: What zip codes are near 46540?

The closest zip codes to 46540 are 46565, 46528, 46507, 49099, 46543.

Residential delivery areaElkhart CountyEastern Time

Population

12,993

Median household income

$97K

U.S. $81K

Median home value

$314K

U.S. $333K

Median rent

$1,148/mo

U.S. $1,413

Median age

32.1

U.S. 38.9

Land area

59 sq mi

219 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 46540

46540 is a small-town zip code in Middlebury, Indiana (Elkhart County), covering 59 sq mi of land. About 12,993 people live here, or 219 per square mile. The median resident is 32.1 years old, compared with 38.9 nationally.

The median household earns $96,615 a year, 20% above the national median of $80,734. 6.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $313,700, or 3.2 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 85% of occupied homes are lived in by their owners, and renters pay a median of $1,148 a month.

20% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 21.1 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in production and manufacturing; sales; and management. 32% of households speak a language other than English at home, most often another Indo-European language such as French, German, Russian or Hindi.

How 46540 compares

Sorted from highest to lowest national percentile

Uninsured rate30.1%
99th
WeaknessU.S. 8.4% · IN 7.4%17th of 745 in IN
Residents under 1831.9%
98th
U.S. 22% · IN 23.3%56th of 745 in IN
Homeownership rate84.7%
88th
StrengthU.S. 65.2% · IN 70.6%269th of 742 in IN
Median household income$96,615
68th
U.S. $80,734 · IN $71,95783rd of 719 in IN
Housing vacancy8.2%
62nd
U.S. 10.1% · IN 8.8%362nd of 742 in IN
Median earnings per worker$50,580
57th
U.S. $49,666 · IN $46,609207th of 740 in IN
Self-employed workers9.5%
53rd
U.S. 10% · IN 8%263rd of 745 in IN
Median home value$313,700
46th
U.S. $332,700 · IN $218,20055th of 719 in IN
Per capita income$37,768
43rd
U.S. $44,673 · IN $38,351246th of 744 in IN
Rent-burdened renters46.9%
36th
U.S. 51.1% · IN 48.1%269th of 716 in IN
Median gross rent$1,148
32nd
U.S. $1,413 · IN $1,062113th of 640 in IN
Income inequality (Gini)0.409
28th
U.S. 0.483 · IN 0.452310th of 740 in IN
Residents 65 and older13.6%
27th
U.S. 17.2% · IN 16.8%576th of 745 in IN
Work from home8.4%
25th
U.S. 15.1% · IN 10.7%293rd of 745 in IN
Poverty rate6.9%
24th
U.S. 12.5% · IN 12.3%517th of 742 in IN
Population density219/sq mi
22nd
U.S. 95/sq mi · IN 191/sq mi263rd of 745 in IN
Bachelor's degree or higher20.2%
21st
U.S. 35.7% · IN 29.5%346th of 744 in IN
Population12,993
20th
U.S. 334,922,499 · IN 6,851,073181st of 745 in IN
Average commute21.1 min
18th
StrengthU.S. 26.4 min · IN 24.1 min601st of 726 in IN
Veterans3.3%
18th
U.S. 6.2% · IN 6.3%678th of 745 in IN
Foreign-born residents2.4%
14th
U.S. 14.1% · IN 6.3%274th of 745 in IN
Diversity index20.3
13th
U.S. 61.4 · IN 41.4281st of 745 in IN
Tech workers1%
13th
U.S. 3.8% · IN 2.5%418th of 745 in IN
Median age32.1
8th
U.S. 38.9 · IN 38.1676th of 745 in IN
Unemployment rate2.3%
8th
StrengthU.S. 5.2% · IN 4.3%506th of 745 in IN
Government workers7.4%
5th
U.S. 14.5% · IN 11.7%604th of 745 in IN
Broadband access74.4%
2nd
WeaknessU.S. 91% · IN 89.9%697th of 742 in IN
Healthcare workers4.4%
2nd
U.S. 9.7% · IN 9.8%627th of 745 in IN

Measure	46540	Elkhart	IN	U.S.	National percentile	Rank in IN
Uninsured rateWeakness	30.1%	14.2%	7.4%	8.4%	99th	17th of 745
Residents under 18	31.9%	27.4%	23.3%	22%	98th	56th of 745
Homeownership rateStrength	84.7%	71.6%	70.6%	65.2%	88th	269th of 742
Median household income	$96,615	$68,561	$71,957	$80,734	68th	83rd of 719
Housing vacancy	8.2%	10.2%	8.8%	10.1%	62nd	362nd of 742
Median earnings per worker	$50,580	$43,482	$46,609	$49,666	57th	207th of 740
Self-employed workers	9.5%	9.1%	8%	10%	53rd	263rd of 745
Median home value	$313,700	$210,400	$218,200	$332,700	46th	55th of 719
Per capita income	$37,768	$32,936	$38,351	$44,673	43rd	246th of 744
Rent-burdened renters	46.9%	47.9%	48.1%	51.1%	36th	269th of 716
Median gross rent	$1,148	$1,047	$1,062	$1,413	32nd	113th of 640
Income inequality (Gini)	0.409	0.437	0.452	0.483	28th	310th of 740
Residents 65 and older	13.6%	15.4%	16.8%	17.2%	27th	576th of 745
Work from home	8.4%	5.1%	10.7%	15.1%	25th	293rd of 745
Poverty rate	6.9%	12.4%	12.3%	12.5%	24th	517th of 742
Population density	219/sq mi	447/sq mi	191/sq mi	95/sq mi	22nd	263rd of 745
Bachelor's degree or higher	20.2%	20.1%	29.5%	35.7%	21st	346th of 744
Population	12,993	207,132	6,851,073	334,922,499	20th	181st of 745
Average commuteStrength	21.1 min	20 min	24.1 min	26.4 min	18th	601st of 726
Veterans	3.3%	4.7%	6.3%	6.2%	18th	678th of 745
Foreign-born residents	2.4%	9.7%	6.3%	14.1%	14th	274th of 745
Diversity index	20.3	46.8	41.4	61.4	13th	281st of 745
Tech workers	1%	1.6%	2.5%	3.8%	13th	418th of 745
Median age	32.1	35.6	38.1	38.9	8th	676th of 745
Unemployment rateStrength	2.3%	3.6%	4.3%	5.2%	8th	506th of 745
Government workers	7.4%	9.2%	11.7%	14.5%	5th	604th of 745
Broadband accessWeakness	74.4%	88.6%	89.9%	91%	2nd	697th of 742
Healthcare workers	4.4%	7.5%	9.8%	9.7%	2nd	627th of 745

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

22%

5–17

10%

18–24

11%

25–34

12%

35–44

11%

45–54

10%

55–64

65–74

75+

Median age

32.1

Under 18

31.9%

65 and over

13.6%

Race and ethnicity

White89%
Black2%
Hispanic5%
Asian1%
Native American0%
Pacific Islander0%
Other0.1%
Multiracial3%

Diversity index

20.3

U.S. 61.4

Foreign-born

2.4%

U.S. 14.1%

Born in state

74%

Language spoken at home (households)

English only

68%

Spanish

Other Indo-European

27%

Asian / Pacific

Other

Households

Households: 3,979
Average household size: 3.3
Family households: 75.8%
Married couples: 66.7%
Living alone: 22.6%
Veterans (of adults): 3.3%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

$25–50k

14%

$50–75k

17%

$75–100k

13%

$100–150k

24%

$150–200k

$200k+

15%

Median household income

46540

$96,615

Elkhart Co.

$68,561

Indiana

$71,957

United States

$80,734

Per capita income

$37,768

U.S. $44,673

Poverty rate

6.9%

U.S. 12.5%

Households earning $150K+

23.6%

U.S. 23%

Income inequality (Gini)

0.409

U.S. 0.483

Housing

Median home value

46540

$313,700

Elkhart Co.

$210,400

Indiana

$218,200

United States

$332,700

Median gross rent

46540

$1,148

Elkhart Co.

$1,047

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

87%

2–4 units

5–19 units

0.8%

20+ units

0.3%

Mobile home

Boat, RV, van

Housing units: 4,335
Owner-occupied: 84.7%
Vacant: 8.2%
Median year built: 1990
Median rooms: 6.9
Renters paying 30%+ of income: 46.9%
Renters paying 50%+ of income: 20.2%
Home value to income: 3.2× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

60%

Carpooled

22%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

24%

10–19

38%

20–29

20%

30–44

11%

45–59

60+

Average commute

21.1 min

U.S. 26.4 min

Unemployment

2.3%

U.S. 5.2%

In labor force

66.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

22%

Sales

10%

Management

10%

Office and admin

10%

Construction and repair

Transportation and moving

Cleaning and personal care

Education

Food service

Healthcare

Business and finance

Engineering and science

Computer and math

Arts, media and sports

0.8%

Legal and social services

0.7%

Police and fire

0.3%

Farming, fishing and forestry

0.2%

Industries

Manufacturing

41%

Retail

12%

Education

Health care and social assistance

Construction

Transportation, warehousing and utilities

Restaurants and hotels

Other services

Admin, support and management

Professional and technical services

Finance, insurance and real estate

Wholesale

Agriculture and mining

Public administration

Arts and recreation

0.4%

Information

0.2%

Median earnings per worker

$50,580

U.S. $49,666

Self-employed

9.5%

U.S. 10%

Government workers

7.4%

U.S. 14.5%

Nonprofit workers

4.7%

U.S. 8.8%

Median earnings by type of work

Type of work	46540	U.S.
Management, business, science and arts	$66,687	$74,888
Service	$19,332	$26,804
Sales and office	$35,250	$40,476
Construction and maintenance	$66,509	$49,199
Production and transportation	$49,870	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

29%

High school

27%

Some college

17%

Associate's

Bachelor's

12%

Graduate

High school graduate or higher: 70.9%
Bachelor's degree or higher: 20.2%
Graduate or professional degree: 8.5%
Households with broadband: 74.4%
Cable, fiber or DSL: 54%
No internet access: 24.5%
Without health insurance: 30.1%
Limited-English households: 5.1%

Geography

City (USPS): Middlebury
State: Indiana
County: Elkhart County
Center point: 41.6715° N, 85.6967° W
Land area: 59 sq mi
Water area: 0.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

46540 spans 2 counties

Elkhart County85% of land
LaGrange County15% of land

Cities and towns within this zip

Middlebury7% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 46540

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46565	Shipshewana, IN	6 mi	9,014	$96,199	$340,400
46528	Goshen, IN	6.7 mi	26,248	$81,529	$247,600
46507	Bristol, IN	7 mi	9,991	$82,683	$245,400
49099	White Pigeon, MI	8.5 mi	5,942	$70,307	$176,800
46543	Millersburg, IN	9.6 mi	4,741	$104,896	$273,400
46527	Goshen, IN · PO box	9.8 mi	—	—	—
46571	Topeka, IN	11 mi	6,315	$85,500	$278,000
49130	Union, MI	11 mi	1,258	$76,667	$341,900
46526	Goshen, IN	12 mi	33,668	$67,461	$204,200
46516	Elkhart, IN	13 mi	31,871	$56,492	$153,400
49042	Constantine, MI	13 mi	4,564	$72,910	$160,800
46515	Elkhart, IN · PO box	15 mi	—	—	—

Zip codes like 46540 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 46540

What city is zip code 46540?

46540 is assigned to Middlebury, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46540 in?

46540 is mostly in Elkhart County, but it extends into 1 other county.

What is the population of 46540?

About 12,993 people live in 46540, according to the Census Bureau's American Community Survey.

What time zone is 46540 in?

46540 is in Eastern Time.

What is the median household income in 46540?

The median household income in 46540 is $96,615.

What zip codes are near 46540?

The closest zip codes to 46540 are 46565, 46528, 46507, 49099, 46543.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46540, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.