Zip code 46554: North Liberty, Indiana

Q: What city is zip code 46554?

46554 is assigned to North Liberty, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46554 in?

46554 is mostly in St. Joseph County, but it extends into 1 other county.

Q: What is the population of 46554?

About 4,405 people live in 46554, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46554?

The median household income in 46554 is $88,068.

Q: What zip codes are near 46554?

The closest zip codes to 46554 are 46574, 46536, 46634, 46660, 46680.

Residential delivery areaSt. Joseph CountyEastern Time

Population

4,405

Median household income

$88K

U.S. $81K

Median home value

$203K

U.S. $333K

Median rent

$960/mo

U.S. $1,413

Median age

37.8

U.S. 38.9

Land area

68 sq mi

65 people/sq mi

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

About 46554

46554 is a small-town zip code in North Liberty, Indiana (St. Joseph County), covering 68 sq mi of land. About 4,405 people live here, or 65 per square mile. The median resident is 37.8 years old, compared with 38.9 nationally.

The median household earns $88,068 a year, close to the national median of $80,734. 5.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $203,000, or 2.3 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 91% of occupied homes are lived in by their owners, and renters pay a median of $960 a month.

28% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 30.7 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in construction and repair; management; and office and administrative support.

How 46554 compares

Sorted from highest to lowest national percentile

Homeownership rate90.6%
96th
StrengthU.S. 65.2% · IN 70.6%124th of 742 in IN
Rent-burdened renters61.5%
86th
WeaknessU.S. 51.1% · IN 48.1%82nd of 716 in IN
Average commute30.7 min
77th
U.S. 26.4 min · IN 24.1 min153rd of 726 in IN
Median earnings per worker$60,661
76th
U.S. $49,666 · IN $46,60953rd of 740 in IN
Residents under 1823.6%
64th
U.S. 22% · IN 23.3%321st of 745 in IN
Median household income$88,068
60th
U.S. $80,734 · IN $71,957140th of 719 in IN
Per capita income$41,406
54th
U.S. $44,673 · IN $38,351154th of 744 in IN
Housing vacancy6.8%
51st
U.S. 10.1% · IN 8.8%435th of 742 in IN
Residents 65 and older16.7%
51st
U.S. 17.2% · IN 16.8%456th of 745 in IN
Veterans5.4%
44th
U.S. 6.2% · IN 6.3%517th of 745 in IN
Bachelor's degree or higher28.1%
42nd
U.S. 35.7% · IN 29.5%167th of 744 in IN
Median age37.8
40th
U.S. 38.9 · IN 38.1500th of 745 in IN
Broadband access90.7%
39th
U.S. 91% · IN 89.9%267th of 742 in IN
Healthcare workers8.7%
38th
U.S. 9.7% · IN 9.8%401st of 745 in IN
Work from home8.1%
23rd
U.S. 15.1% · IN 10.7%318th of 745 in IN
Median home value$203,000
22nd
U.S. $332,700 · IN $218,200271st of 719 in IN
Income inequality (Gini)0.402
22nd
U.S. 0.483 · IN 0.452352nd of 740 in IN
Unemployment rate3.3%
21st
U.S. 5.2% · IN 4.3%391st of 745 in IN
Median gross rent$960
18th
U.S. $1,413 · IN $1,062259th of 640 in IN
Uninsured rate3.6%
18th
StrengthU.S. 8.4% · IN 7.4%569th of 745 in IN
Tech workers1.2%
17th
U.S. 3.8% · IN 2.5%384th of 745 in IN
Poverty rate5.4%
14th
StrengthU.S. 12.5% · IN 12.3%595th of 742 in IN
Population density65/sq mi
9th
U.S. 95/sq mi · IN 191/sq mi448th of 745 in IN
Population4,405
7th
U.S. 334,922,499 · IN 6,851,073329th of 745 in IN
Government workers7.9%
7th
U.S. 14.5% · IN 11.7%589th of 745 in IN
Foreign-born residents0.5%
3rd
U.S. 14.1% · IN 6.3%532nd of 745 in IN
Diversity index6.5
2nd
U.S. 61.4 · IN 41.4606th of 745 in IN
Self-employed workers1.4%
1st
U.S. 10% · IN 8%698th of 745 in IN

Measure	46554	St. Joseph	IN	U.S.	National percentile	Rank in IN
Homeownership rateStrength	90.6%	69%	70.6%	65.2%	96th	124th of 742
Rent-burdened rentersWeakness	61.5%	49.1%	48.1%	51.1%	86th	82nd of 716
Average commute	30.7 min	21.1 min	24.1 min	26.4 min	77th	153rd of 726
Median earnings per worker	$60,661	$44,264	$46,609	$49,666	76th	53rd of 740
Residents under 18	23.6%	23.2%	23.3%	22%	64th	321st of 745
Median household income	$88,068	$66,868	$71,957	$80,734	60th	140th of 719
Per capita income	$41,406	$36,834	$38,351	$44,673	54th	154th of 744
Housing vacancy	6.8%	9.6%	8.8%	10.1%	51st	435th of 742
Residents 65 and older	16.7%	16.9%	16.8%	17.2%	51st	456th of 745
Veterans	5.4%	5.5%	6.3%	6.2%	44th	517th of 745
Bachelor's degree or higher	28.1%	33.5%	29.5%	35.7%	42nd	167th of 744
Median age	37.8	36.7	38.1	38.9	40th	500th of 745
Broadband access	90.7%	90.3%	89.9%	91%	39th	267th of 742
Healthcare workers	8.7%	8.9%	9.8%	9.7%	38th	401st of 745
Work from home	8.1%	10.7%	10.7%	15.1%	23rd	318th of 745
Median home value	$203,000	$192,800	$218,200	$332,700	22nd	271st of 719
Income inequality (Gini)	0.402	0.470	0.452	0.483	22nd	352nd of 740
Unemployment rate	3.3%	5.2%	4.3%	5.2%	21st	391st of 745
Median gross rent	$960	$1,062	$1,062	$1,413	18th	259th of 640
Uninsured rateStrength	3.6%	7.1%	7.4%	8.4%	18th	569th of 745
Tech workers	1.2%	2.2%	2.5%	3.8%	17th	384th of 745
Poverty rateStrength	5.4%	14.2%	12.3%	12.5%	14th	595th of 742
Population density	65/sq mi	596/sq mi	191/sq mi	95/sq mi	9th	448th of 745
Population	4,405	273,040	6,851,073	334,922,499	7th	329th of 745
Government workers	7.9%	10.7%	11.7%	14.5%	7th	589th of 745
Foreign-born residents	0.5%	6.9%	6.3%	14.1%	3rd	532nd of 745
Diversity index	6.5	49.6	41.4	61.4	2nd	606th of 745
Self-employed workers	1.4%	6.9%	8%	10%	1st	698th 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

18%

5–17

18–24

17%

25–34

12%

35–44

45–54

17%

55–64

11%

65–74

75+

Median age

37.8

Under 18

23.6%

65 and over

16.7%

Race and ethnicity

White97%
Black0.7%
Hispanic1.0%
Asian0.0%
Native American0%
Pacific Islander0%
Other0.2%
Multiracial1%

Diversity index

6.5

U.S. 61.4

Foreign-born

0.5%

U.S. 14.1%

Born in state

84.7%

Language spoken at home (households)

English only

99%

Spanish

Other Indo-European

0.7%

Asian / Pacific

0.1%

Other

Households

Households: 1,651
Average household size: 2.7
Family households: 68.9%
Married couples: 56%
Living alone: 24.8%
Veterans (of adults): 5.4%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

10%

$25–50k

14%

$50–75k

14%

$75–100k

14%

$100–150k

25%

$150–200k

15%

$200k+

Median household income

46554

$88,068

St. Joseph Co.

$66,868

Indiana

$71,957

United States

$80,734

Per capita income

$41,406

U.S. $44,673

Poverty rate

5.4%

U.S. 12.5%

Households earning $150K+

22.9%

U.S. 23%

Income inequality (Gini)

0.402

U.S. 0.483

Housing

Median home value

46554

$203,000

St. Joseph Co.

$192,800

Indiana

$218,200

United States

$332,700

Median gross rent

46554

$960

St. Joseph Co.

$1,062

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

95%

2–4 units

5–19 units

20+ units

Mobile home

0.5%

Boat, RV, van

Housing units: 1,771
Owner-occupied: 90.6%
Vacant: 6.8%
Median year built: 1953
Median rooms: 6.5
Renters paying 30%+ of income: 61.5%
Renters paying 50%+ of income: 19.9%
Home value to income: 2.3× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

87%

Carpooled

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

10–19

14%

20–29

35%

30–44

37%

45–59

60+

Average commute

30.7 min

U.S. 26.4 min

Unemployment

3.3%

U.S. 5.2%

In labor force

62.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Construction and repair

19%

Management

14%

Office and admin

11%

Business and finance

10%

Healthcare

Engineering and science

Transportation and moving

Sales

Production

Cleaning and personal care

Legal and social services

Education

Arts, media and sports

Food service

Computer and math

Police and fire

0.9%

Farming, fishing and forestry

0.5%

Industries

Manufacturing

21%

Transportation, warehousing and utilities

14%

Health care and social assistance

13%

Retail

10%

Finance, insurance and real estate

10%

Construction

Other services

Education

Professional and technical services

Public administration

Restaurants and hotels

Wholesale

Information

Agriculture and mining

Arts and recreation

0.9%

Admin, support and management

0.5%

Median earnings per worker

$60,661

U.S. $49,666

Self-employed

1.4%

U.S. 10%

Government workers

7.9%

U.S. 14.5%

Nonprofit workers

10.6%

U.S. 8.8%

Median earnings by type of work

Type of work	46554	U.S.
Management, business, science and arts	$67,299	$74,888
Service	$25,417	$26,804
Sales and office	$36,442	$40,476
Construction and maintenance	$74,318	$49,199
Production and transportation	$52,738	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

41%

Some college

16%

Associate's

11%

Bachelor's

21%

Graduate

High school graduate or higher: 96%
Bachelor's degree or higher: 28.1%
Graduate or professional degree: 7.3%
Households with broadband: 90.7%
Cable, fiber or DSL: 50.3%
No internet access: 5%
Without health insurance: 3.6%
Limited-English households: 0.1%

Geography

City (USPS): North Liberty
State: Indiana
County: St. Joseph County
Center point: 41.5574° N, 86.4170° W
Land area: 68 sq mi
Water area: 0.7 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

46554 spans 2 counties

St. Joseph County95% of land
LaPorte County5% of land

Cities and towns within this zip

North Liberty2% of zip

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

Zip codes near 46554

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46574	Walkerton, IN	6.3 mi	7,426	$76,181	$188,100
46536	Lakeville, IN	6.8 mi	2,964	$78,448	$227,000
46634	South Bend, IN · PO box	7 mi	—	—	—
46660	South Bend, IN · PO box	7 mi	—	—	—
46680	South Bend, IN · PO box	7 mi	—	—	—
46699	South Bend, IN · PO box	7 mi	—	—	—
46365	Mill Creek, IN	7.3 mi	992	$98,047	$217,400
46614	South Bend, IN	7.8 mi	29,602	$74,153	$187,500
46619	South Bend, IN	7.9 mi	21,729	$48,081	$105,400
46537	Lapaz, IN	9 mi	475	$64,063	$150,300
46613	South Bend, IN	10 mi	12,279	$42,537	$82,800
46572	Tyner, IN	10 mi	115	$125,250	$156,800

Zip codes like 46554 elsewhere

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

Questions about 46554

What city is zip code 46554?

46554 is assigned to North Liberty, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46554 in?

46554 is mostly in St. Joseph County, but it extends into 1 other county.

What is the population of 46554?

About 4,405 people live in 46554, according to the Census Bureau's American Community Survey.

What time zone is 46554 in?

46554 is in Eastern Time.

What is the median household income in 46554?

The median household income in 46554 is $88,068.

What zip codes are near 46554?

The closest zip codes to 46554 are 46574, 46536, 46634, 46660, 46680.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46554, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.