Zip code 46544: Mishawaka, Indiana

Q: What city is zip code 46544?

46544 is assigned to Mishawaka, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46544 in?

46544 is in St. Joseph County, Indiana.

Q: What is the population of 46544?

About 31,077 people live in 46544, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46544?

The median household income in 46544 is $58,829.

Q: What zip codes are near 46544?

The closest zip codes to 46544 are 46546, 46561, 46545, 46573, 46615.

Residential delivery areaSt. Joseph CountyEastern Time

Population

31,077

Median household income

$59K

U.S. $81K

Median home value

$172K

U.S. $333K

Median rent

$1,012/mo

U.S. $1,413

Median age

35.6

U.S. 38.9

Land area

40 sq mi

781 people/sq mi

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

About 46544

46544 is a suburban zip code in Mishawaka, Indiana (St. Joseph County), covering 40 sq mi of land. About 31,077 people live here, or 781 per square mile. The median resident is 35.6 years old, compared with 38.9 nationally.

The median household earns $58,829 a year, 27% below the national median of $80,734. 15.5% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $172,200, or 2.9 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 64% of occupied homes are lived in by their owners, and renters pay a median of $1,012 a month.

27% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 21.4 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in production and manufacturing; office and administrative support; and healthcare.

How 46544 compares

Sorted from highest to lowest national percentile

Unemployment rate7.1%
80th
WeaknessU.S. 5.2% · IN 4.3%113th of 745 in IN
Poverty rate15.5%
71st
U.S. 12.5% · IN 12.3%174th of 742 in IN
Income inequality (Gini)0.459
69th
U.S. 0.483 · IN 0.452101st of 740 in IN
Healthcare workers10.7%
67th
U.S. 9.7% · IN 9.8%253rd of 745 in IN
Residents under 1823.7%
64th
U.S. 22% · IN 23.3%315th of 745 in IN
Government workers15.5%
63rd
U.S. 14.5% · IN 11.7%148th of 745 in IN
Housing vacancy7.1%
54th
U.S. 10.1% · IN 8.8%418th of 742 in IN
Population31,077
52nd
U.S. 334,922,499 · IN 6,851,07360th of 745 in IN
Uninsured rate6.1%
44th
U.S. 8.4% · IN 7.4%350th of 745 in IN
Median earnings per worker$45,770
43rd
U.S. $49,666 · IN $46,609362nd of 740 in IN
Population density781/sq mi
39th
U.S. 95/sq mi · IN 191/sq mi170th of 745 in IN
Homeownership rate63.7%
39th
U.S. 65.2% · IN 70.6%644th of 742 in IN
Broadband access90.7%
39th
U.S. 91% · IN 89.9%266th of 742 in IN
Bachelor's degree or higher26.8%
38th
U.S. 35.7% · IN 29.5%191st of 744 in IN
Diversity index38.1
33rd
U.S. 61.4 · IN 41.4135th of 745 in IN
Tech workers2%
33rd
U.S. 3.8% · IN 2.5%254th of 745 in IN
Veterans4.5%
32nd
U.S. 6.2% · IN 6.3%611th of 745 in IN
Residents 65 and older14.2%
32nd
U.S. 17.2% · IN 16.8%558th of 745 in IN
Rent-burdened renters45.7%
31st
U.S. 51.1% · IN 48.1%291st of 716 in IN
Per capita income$33,913
30th
U.S. $44,673 · IN $38,351408th of 744 in IN
Self-employed workers7.6%
27th
U.S. 10% · IN 8%399th of 745 in IN
Median age35.6
25th
U.S. 38.9 · IN 38.1589th of 745 in IN
Work from home8.2%
23rd
U.S. 15.1% · IN 10.7%310th of 745 in IN
Median gross rent$1,012
22nd
U.S. $1,413 · IN $1,062205th of 640 in IN
Average commute21.4 min
20th
StrengthU.S. 26.4 min · IN 24.1 min583rd of 726 in IN
Median household income$58,829
19th
WeaknessU.S. $80,734 · IN $71,957560th of 719 in IN
Foreign-born residents3.2%
19th
U.S. 14.1% · IN 6.3%234th of 745 in IN
Median home value$172,200
15th
U.S. $332,700 · IN $218,200382nd of 719 in IN

Measure	46544	St. Joseph	IN	U.S.	National percentile	Rank in IN
Unemployment rateWeakness	7.1%	5.2%	4.3%	5.2%	80th	113th of 745
Poverty rate	15.5%	14.2%	12.3%	12.5%	71st	174th of 742
Income inequality (Gini)	0.459	0.470	0.452	0.483	69th	101st of 740
Healthcare workers	10.7%	8.9%	9.8%	9.7%	67th	253rd of 745
Residents under 18	23.7%	23.2%	23.3%	22%	64th	315th of 745
Government workers	15.5%	10.7%	11.7%	14.5%	63rd	148th of 745
Housing vacancy	7.1%	9.6%	8.8%	10.1%	54th	418th of 742
Population	31,077	273,040	6,851,073	334,922,499	52nd	60th of 745
Uninsured rate	6.1%	7.1%	7.4%	8.4%	44th	350th of 745
Median earnings per worker	$45,770	$44,264	$46,609	$49,666	43rd	362nd of 740
Population density	781/sq mi	596/sq mi	191/sq mi	95/sq mi	39th	170th of 745
Homeownership rate	63.7%	69%	70.6%	65.2%	39th	644th of 742
Broadband access	90.7%	90.3%	89.9%	91%	39th	266th of 742
Bachelor's degree or higher	26.8%	33.5%	29.5%	35.7%	38th	191st of 744
Diversity index	38.1	49.6	41.4	61.4	33rd	135th of 745
Tech workers	2%	2.2%	2.5%	3.8%	33rd	254th of 745
Veterans	4.5%	5.5%	6.3%	6.2%	32nd	611th of 745
Residents 65 and older	14.2%	16.9%	16.8%	17.2%	32nd	558th of 745
Rent-burdened renters	45.7%	49.1%	48.1%	51.1%	31st	291st of 716
Per capita income	$33,913	$36,834	$38,351	$44,673	30th	408th of 744
Self-employed workers	7.6%	6.9%	8%	10%	27th	399th of 745
Median age	35.6	36.7	38.1	38.9	25th	589th of 745
Work from home	8.2%	10.7%	10.7%	15.1%	23rd	310th of 745
Median gross rent	$1,012	$1,062	$1,062	$1,413	22nd	205th of 640
Average commuteStrength	21.4 min	21.1 min	24.1 min	26.4 min	20th	583rd of 726
Median household incomeWeakness	$58,829	$66,868	$71,957	$80,734	19th	560th of 719
Foreign-born residents	3.2%	6.9%	6.3%	14.1%	19th	234th of 745
Median home value	$172,200	$192,800	$218,200	$332,700	15th	382nd of 719

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

17%

5–17

18–24

17%

25–34

12%

35–44

11%

45–54

13%

55–64

65–74

75+

Median age

35.6

Under 18

23.7%

65 and over

14.2%

Race and ethnicity

White78%
Black9%
Hispanic5%
Asian1.0%
Native American0.1%
Pacific Islander0%
Other0.3%
Multiracial6%

Diversity index

38.1

U.S. 61.4

Foreign-born

3.2%

U.S. 14.1%

Born in state

72.8%

Language spoken at home (households)

English only

93%

Spanish

Other Indo-European

0.9%

Asian / Pacific

0.9%

Other

Households

Households: 12,839
Average household size: 2.4
Family households: 56.6%
Married couples: 39.1%
Living alone: 38.3%
Veterans (of adults): 4.5%
Male / female: 53% / 47%

Income and poverty

Household income distribution

<$25k

18%

$25–50k

25%

$50–75k

21%

$75–100k

12%

$100–150k

14%

$150–200k

$200k+

Median household income

46544

$58,829

St. Joseph Co.

$66,868

Indiana

$71,957

United States

$80,734

Per capita income

$33,913

U.S. $44,673

Poverty rate

15.5%

U.S. 12.5%

Households earning $150K+

11.5%

U.S. 23%

Income inequality (Gini)

0.459

U.S. 0.483

Housing

Median home value

46544

$172,200

St. Joseph Co.

$192,800

Indiana

$218,200

United States

$332,700

Median gross rent

46544

$1,012

St. Joseph Co.

$1,062

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

69%

2–4 units

5–19 units

20+ units

11%

Mobile home

Boat, RV, van

Housing units: 13,825
Owner-occupied: 63.7%
Vacant: 7.1%
Median year built: 1970
Median rooms: 5.4
Renters paying 30%+ of income: 45.7%
Renters paying 50%+ of income: 15.4%
Home value to income: 2.9× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

79%

Carpooled

10%

Transit

Walked

0.7%

Bicycle

0.1%

Worked from home

Other

Commute time (one way)

<10 min

11%

10–19

37%

20–29

26%

30–44

22%

45–59

60+

Average commute

21.4 min

U.S. 26.4 min

Unemployment

7.1%

U.S. 5.2%

In labor force

67.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

12%

Office and admin

11%

Healthcare

11%

Management

Transportation and moving

Sales

Food service

Education

Construction and repair

Cleaning and personal care

Business and finance

Police and fire

Legal and social services

Computer and math

Engineering and science

Arts, media and sports

Farming, fishing and forestry

0.1%

Industries

Manufacturing

18%

Health care and social assistance

16%

Education

11%

Retail

10%

Public administration

Restaurants and hotels

Construction

Finance, insurance and real estate

Admin, support and management

Professional and technical services

Transportation, warehousing and utilities

Other services

Arts and recreation

Wholesale

Information

0.7%

Agriculture and mining

0.4%

Median earnings per worker

$45,770

U.S. $49,666

Self-employed

7.6%

U.S. 10%

Government workers

15.5%

U.S. 14.5%

Nonprofit workers

12.4%

U.S. 8.8%

Median earnings by type of work

Type of work	46544	U.S.
Management, business, science and arts	$54,671	$74,888
Service	$34,218	$26,804
Sales and office	$40,267	$40,476
Construction and maintenance	$45,644	$49,199
Production and transportation	$41,776	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

11%

High school

35%

Some college

19%

Associate's

Bachelor's

18%

Graduate

High school graduate or higher: 89.4%
Bachelor's degree or higher: 26.8%
Graduate or professional degree: 8.8%
Households with broadband: 90.7%
Cable, fiber or DSL: 74.6%
No internet access: 6.9%
Without health insurance: 6.1%
Limited-English households: 0.4%

Geography

City (USPS): Mishawaka
State: Indiana
County: St. Joseph County
Center point: 41.6152° N, 86.1283° W
Land area: 40 sq mi
Water area: 0.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Mishawaka22% of zip

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

Zip codes near 46544

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46546	Mishawaka, IN · PO box	3.6 mi	—	—	—
46561	Osceola, IN	4.6 mi	13,996	$91,711	$230,600
46545	Mishawaka, IN	5.5 mi	26,606	$56,865	$177,900
46573	Wakarusa, IN	5.8 mi	3,936	$85,750	$241,100
46615	South Bend, IN	5.9 mi	14,190	$62,964	$139,600
46595	Wyatt, IN	6.4 mi	0	—	—
46517	Elkhart, IN	6.8 mi	25,433	$56,772	$177,200
46617	South Bend, IN	7.3 mi	10,032	$74,186	$243,400
46601	South Bend, IN	7.5 mi	4,800	$30,789	$145,000
46613	South Bend, IN	7.6 mi	12,279	$42,537	$82,800
46626	South Bend, IN · PO box	7.7 mi	—	—	—
46614	South Bend, IN	7.8 mi	29,602	$74,153	$187,500

Zip codes like 46544 elsewhere

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

Questions about 46544

What city is zip code 46544?

46544 is assigned to Mishawaka, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46544 in?

46544 is in St. Joseph County, Indiana.

What is the population of 46544?

About 31,077 people live in 46544, according to the Census Bureau's American Community Survey.

What time zone is 46544 in?

46544 is in Eastern Time.

What is the median household income in 46544?

The median household income in 46544 is $58,829.

What zip codes are near 46544?

The closest zip codes to 46544 are 46546, 46561, 46545, 46573, 46615.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46544, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.