Zip code 46545: Mishawaka, Indiana

Q: What city is zip code 46545?

46545 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 46545 in?

46545 is in St. Joseph County, Indiana.

Q: What is the population of 46545?

About 26,606 people live in 46545, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46545?

The median household income in 46545 is $56,865.

Q: What zip codes are near 46545?

The closest zip codes to 46545 are 46546, 46635, 46530, 46615, 46561.

Residential delivery areaSt. Joseph CountyEastern Time

Population

26,606

Median household income

$57K

U.S. $81K

Median home value

$178K

U.S. $333K

Median rent

$1,027/mo

U.S. $1,413

Median age

38.3

U.S. 38.9

Land area

18 sq mi

1,452 people/sq mi

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

About 46545

46545 is a suburban zip code in Mishawaka, Indiana (St. Joseph County), covering 18 sq mi of land. About 26,606 people live here, or 1,452 per square mile. The median resident is 38.3 years old, compared with 38.9 nationally.

The median household earns $56,865 a year, 30% below the national median of $80,734. 14.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $177,900, or 3.1 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 53% of occupied homes are lived in by their owners, and renters pay a median of $1,027 a month.

33% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 20.4 minutes each way, and 9% of workers work from home. The most common jobs among working residents are in office and administrative support; sales; and management.

How 46545 compares

Sorted from highest to lowest national percentile

Residents 65 and older20.7%
77th
U.S. 17.2% · IN 16.8%219th of 745 in IN
Uninsured rate9.7%
69th
U.S. 8.4% · IN 7.4%160th of 745 in IN
Poverty rate14.3%
67th
U.S. 12.5% · IN 12.3%209th of 742 in IN
Housing vacancy8.5%
63rd
U.S. 10.1% · IN 8.8%343rd of 742 in IN
Income inequality (Gini)0.451
63rd
U.S. 0.483 · IN 0.452125th of 740 in IN
Veterans6.1%
54th
U.S. 6.2% · IN 6.3%428th of 745 in IN
Healthcare workers9.7%
53rd
U.S. 9.7% · IN 9.8%332nd of 745 in IN
Bachelor's degree or higher32.5%
51st
U.S. 35.7% · IN 29.5%112th of 744 in IN
Unemployment rate4.9%
51st
U.S. 5.2% · IN 4.3%227th of 745 in IN
Population density1,452/sq mi
50th
U.S. 95/sq mi · IN 191/sq mi117th of 745 in IN
Foreign-born residents9.1%
47th
U.S. 14.1% · IN 6.3%70th of 745 in IN
Median age38.3
45th
U.S. 38.9 · IN 38.1480th of 745 in IN
Population26,606
43rd
U.S. 334,922,499 · IN 6,851,07382nd of 745 in IN
Rent-burdened renters47.1%
36th
U.S. 51.1% · IN 48.1%267th of 716 in IN
Diversity index39.6
35th
U.S. 61.4 · IN 41.4125th of 745 in IN
Per capita income$34,307
32nd
U.S. $44,673 · IN $38,351397th of 744 in IN
Broadband access89.6%
31st
U.S. 91% · IN 89.9%331st of 742 in IN
Work from home9.2%
29th
U.S. 15.1% · IN 10.7%246th of 745 in IN
Residents under 1819.5%
28th
U.S. 22% · IN 23.3%556th of 745 in IN
Median gross rent$1,027
23rd
U.S. $1,413 · IN $1,062196th of 640 in IN
Homeownership rate52.7%
21st
U.S. 65.2% · IN 70.6%693rd of 742 in IN
Median earnings per worker$40,004
21st
U.S. $49,666 · IN $46,609591st of 740 in IN
Tech workers1.4%
20th
U.S. 3.8% · IN 2.5%351st of 745 in IN
Government workers10%
19th
U.S. 14.5% · IN 11.7%461st of 745 in IN
Median home value$177,900
17th
U.S. $332,700 · IN $218,200361st of 719 in IN
Median household income$56,865
16th
WeaknessU.S. $80,734 · IN $71,957593rd of 719 in IN
Average commute20.4 min
14th
StrengthU.S. 26.4 min · IN 24.1 min634th of 726 in IN
Self-employed workers5.6%
7th
U.S. 10% · IN 8%574th of 745 in IN

Measure	46545	St. Joseph	IN	U.S.	National percentile	Rank in IN
Residents 65 and older	20.7%	16.9%	16.8%	17.2%	77th	219th of 745
Uninsured rate	9.7%	7.1%	7.4%	8.4%	69th	160th of 745
Poverty rate	14.3%	14.2%	12.3%	12.5%	67th	209th of 742
Housing vacancy	8.5%	9.6%	8.8%	10.1%	63rd	343rd of 742
Income inequality (Gini)	0.451	0.470	0.452	0.483	63rd	125th of 740
Veterans	6.1%	5.5%	6.3%	6.2%	54th	428th of 745
Healthcare workers	9.7%	8.9%	9.8%	9.7%	53rd	332nd of 745
Bachelor's degree or higher	32.5%	33.5%	29.5%	35.7%	51st	112th of 744
Unemployment rate	4.9%	5.2%	4.3%	5.2%	51st	227th of 745
Population density	1,452/sq mi	596/sq mi	191/sq mi	95/sq mi	50th	117th of 745
Foreign-born residents	9.1%	6.9%	6.3%	14.1%	47th	70th of 745
Median age	38.3	36.7	38.1	38.9	45th	480th of 745
Population	26,606	273,040	6,851,073	334,922,499	43rd	82nd of 745
Rent-burdened renters	47.1%	49.1%	48.1%	51.1%	36th	267th of 716
Diversity index	39.6	49.6	41.4	61.4	35th	125th of 745
Per capita income	$34,307	$36,834	$38,351	$44,673	32nd	397th of 744
Broadband access	89.6%	90.3%	89.9%	91%	31st	331st of 742
Work from home	9.2%	10.7%	10.7%	15.1%	29th	246th of 745
Residents under 18	19.5%	23.2%	23.3%	22%	28th	556th of 745
Median gross rent	$1,027	$1,062	$1,062	$1,413	23rd	196th of 640
Homeownership rate	52.7%	69%	70.6%	65.2%	21st	693rd of 742
Median earnings per worker	$40,004	$44,264	$46,609	$49,666	21st	591st of 740
Tech workers	1.4%	2.2%	2.5%	3.8%	20th	351st of 745
Government workers	10%	10.7%	11.7%	14.5%	19th	461st of 745
Median home value	$177,900	$192,800	$218,200	$332,700	17th	361st of 719
Median household incomeWeakness	$56,865	$66,868	$71,957	$80,734	16th	593rd of 719
Average commuteStrength	20.4 min	21.1 min	24.1 min	26.4 min	14th	634th of 726
Self-employed workers	5.6%	6.9%	8%	10%	7th	574th 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

14%

5–17

12%

18–24

15%

25–34

12%

35–44

12%

45–54

10%

55–64

12%

65–74

75+

Median age

38.3

Under 18

19.5%

65 and over

20.7%

Race and ethnicity

White77%
Black9%
Hispanic5%
Asian3%
Native American0.0%
Pacific Islander0.3%
Other0.5%
Multiracial5%

Diversity index

39.6

U.S. 61.4

Foreign-born

9.1%

U.S. 14.1%

Born in state

59.6%

Language spoken at home (households)

English only

88%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 11,878
Average household size: 2.2
Family households: 52.3%
Married couples: 38.2%
Living alone: 40%
Veterans (of adults): 6.1%
Male / female: 46% / 54%

Income and poverty

Household income distribution

<$25k

17%

$25–50k

28%

$50–75k

19%

$75–100k

13%

$100–150k

14%

$150–200k

$200k+

Median household income

46545

$56,865

St. Joseph Co.

$66,868

Indiana

$71,957

United States

$80,734

Per capita income

$34,307

U.S. $44,673

Poverty rate

14.3%

U.S. 12.5%

Households earning $150K+

8.8%

U.S. 23%

Income inequality (Gini)

0.451

U.S. 0.483

Housing

Median home value

46545

$177,900

St. Joseph Co.

$192,800

Indiana

$218,200

United States

$332,700

Median gross rent

46545

$1,027

St. Joseph Co.

$1,062

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

59%

2–4 units

5–19 units

21%

20+ units

Mobile home

Boat, RV, van

Housing units: 12,983
Owner-occupied: 52.7%
Vacant: 8.5%
Median year built: 1975
Median rooms: 5.2
Renters paying 30%+ of income: 47.1%
Renters paying 50%+ of income: 22.6%
Home value to income: 3.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

78%

Carpooled

Transit

0.2%

Walked

Bicycle

0.0%

Worked from home

Other

Commute time (one way)

<10 min

16%

10–19

39%

20–29

22%

30–44

16%

45–59

60+

Average commute

20.4 min

U.S. 26.4 min

Unemployment

4.9%

U.S. 5.2%

In labor force

63.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

13%

Sales

10%

Management

10%

Healthcare

10%

Production

Transportation and moving

Education

Cleaning and personal care

Business and finance

Food service

Construction and repair

Engineering and science

Legal and social services

Police and fire

Computer and math

Arts, media and sports

Farming, fishing and forestry

0.2%

Industries

Manufacturing

18%

Education

15%

Health care and social assistance

14%

Retail

12%

Restaurants and hotels

Finance, insurance and real estate

Professional and technical services

Other services

Admin, support and management

Construction

Transportation, warehousing and utilities

Public administration

Arts and recreation

Wholesale

Information

Agriculture and mining

0.5%

Median earnings per worker

$40,004

U.S. $49,666

Self-employed

5.6%

U.S. 10%

Government workers

10%

U.S. 14.5%

Nonprofit workers

13.2%

U.S. 8.8%

Median earnings by type of work

Type of work	46545	U.S.
Management, business, science and arts	$48,005	$74,888
Service	$26,996	$26,804
Sales and office	$32,426	$40,476
Construction and maintenance	$56,889	$49,199
Production and transportation	$40,382	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

29%

Some college

25%

Associate's

Bachelor's

20%

Graduate

13%

High school graduate or higher: 93.7%
Bachelor's degree or higher: 32.5%
Graduate or professional degree: 12.7%
Households with broadband: 89.6%
Cable, fiber or DSL: 72.7%
No internet access: 8.9%
Without health insurance: 9.7%
Limited-English households: 2.9%

Geography

City (USPS): Mishawaka
State: Indiana
County: St. Joseph County
Center point: 41.6935° N, 86.1466° W
Land area: 18 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

Mishawaka39% of zip
Granger (unincorporated)13% of zip

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

Zip codes near 46545

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46546	Mishawaka, IN · PO box	2.3 mi	—	—	—
46635	South Bend, IN	3.2 mi	6,410	$81,944	$208,400
46530	Granger, IN	3.4 mi	31,598	$122,129	$345,400
46615	South Bend, IN	3.6 mi	14,190	$62,964	$139,600
46561	Osceola, IN	4.3 mi	13,996	$91,711	$230,600
46617	South Bend, IN	4.6 mi	10,032	$74,186	$243,400
46556	Notre Dame, IN	5.1 mi	8,344	—	—
46544	Mishawaka, IN	5.5 mi	31,077	$58,829	$172,200
46624	South Bend, IN	5.5 mi	28	—	—
46626	South Bend, IN · PO box	5.6 mi	—	—	—
46601	South Bend, IN	5.7 mi	4,800	$30,789	$145,000
46637	South Bend, IN	5.7 mi	16,200	$71,462	$207,100

Zip codes like 46545 elsewhere

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

Questions about 46545

What city is zip code 46545?

46545 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 46545 in?

46545 is in St. Joseph County, Indiana.

What is the population of 46545?

About 26,606 people live in 46545, according to the Census Bureau's American Community Survey.

What time zone is 46545 in?

46545 is in Eastern Time.

What is the median household income in 46545?

The median household income in 46545 is $56,865.

What zip codes are near 46545?

The closest zip codes to 46545 are 46546, 46635, 46530, 46615, 46561.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46545, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.