Zip code 46561: Osceola, Indiana

Q: What city is zip code 46561?

46561 is assigned to Osceola, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46561 in?

46561 is mostly in St. Joseph County, but it extends into 1 other county.

Q: What is the population of 46561?

About 13,996 people live in 46561, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46561?

The median household income in 46561 is $91,711.

Q: What zip codes are near 46561?

The closest zip codes to 46561 are 46545, 46546, 46544, 46517, 46515.

Residential delivery areaSt. Joseph CountyEastern Time

Population

13,996

Median household income

$92K

U.S. $81K

Median home value

$231K

U.S. $333K

Median rent

$1,199/mo

U.S. $1,413

Median age

37.2

U.S. 38.9

Land area

14 sq mi

1,032 people/sq mi

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

About 46561

46561 is a suburban zip code in Osceola, Indiana (St. Joseph County), covering 14 sq mi of land. About 13,996 people live here, or 1,032 per square mile. The median resident is 37.2 years old, compared with 38.9 nationally.

The median household earns $91,711 a year, close to the national median of $80,734. 10.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $230,600, or 2.5 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 86% of occupied homes are lived in by their owners, and renters pay a median of $1,199 a month.

28% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 22.5 minutes each way, and 11% of workers work from home. The most common jobs among working residents are in production and manufacturing; management; and office and administrative support.

How 46561 compares

Sorted from highest to lowest national percentile

Homeownership rate85.5%
90th
StrengthU.S. 65.2% · IN 70.6%249th of 742 in IN
Residents under 1827.2%
87th
U.S. 22% · IN 23.3%140th of 745 in IN
Median household income$91,711
64th
U.S. $80,734 · IN $71,957105th of 719 in IN
Broadband access93.1%
58th
U.S. 91% · IN 89.9%151st of 742 in IN
Veterans6.4%
58th
U.S. 6.2% · IN 6.3%397th of 745 in IN
Tech workers3.3%
58th
U.S. 3.8% · IN 2.5%127th of 745 in IN
Government workers13.8%
51st
U.S. 14.5% · IN 11.7%208th of 745 in IN
Median earnings per worker$47,205
47th
U.S. $49,666 · IN $46,609309th of 740 in IN
Poverty rate10.1%
45th
U.S. 12.5% · IN 12.3%356th of 742 in IN
Population density1,032/sq mi
44th
U.S. 95/sq mi · IN 191/sq mi147th of 745 in IN
Residents 65 and older15.8%
44th
U.S. 17.2% · IN 16.8%495th of 745 in IN
Per capita income$37,573
43rd
U.S. $44,673 · IN $38,351254th of 744 in IN
Bachelor's degree or higher28.3%
42nd
U.S. 35.7% · IN 29.5%163rd of 744 in IN
Work from home10.5%
37th
U.S. 15.1% · IN 10.7%195th of 745 in IN
Median gross rent$1,199
36th
U.S. $1,413 · IN $1,06288th of 640 in IN
Median age37.2
36th
U.S. 38.9 · IN 38.1530th of 745 in IN
Uninsured rate5%
33rd
U.S. 8.4% · IN 7.4%435th of 745 in IN
Self-employed workers7.9%
31st
U.S. 10% · IN 8%376th of 745 in IN
Rent-burdened renters45.4%
30th
U.S. 51.1% · IN 48.1%304th of 716 in IN
Median home value$230,600
28th
U.S. $332,700 · IN $218,200183rd of 719 in IN
Average commute22.5 min
26th
U.S. 26.4 min · IN 24.1 min534th of 726 in IN
Healthcare workers7.6%
22nd
U.S. 9.7% · IN 9.8%479th of 745 in IN
Population13,996
21st
U.S. 334,922,499 · IN 6,851,073175th of 745 in IN
Diversity index24.3
17th
U.S. 61.4 · IN 41.4234th of 745 in IN
Foreign-born residents2.6%
16th
U.S. 14.1% · IN 6.3%260th of 745 in IN
Housing vacancy2.4%
6th
U.S. 10.1% · IN 8.8%643rd of 742 in IN
Unemployment rate1.6%
3rd
StrengthU.S. 5.2% · IN 4.3%576th of 745 in IN
Income inequality (Gini)0.354
3rd
StrengthU.S. 0.483 · IN 0.452569th of 740 in IN

Measure	46561	St. Joseph	IN	U.S.	National percentile	Rank in IN
Homeownership rateStrength	85.5%	69%	70.6%	65.2%	90th	249th of 742
Residents under 18	27.2%	23.2%	23.3%	22%	87th	140th of 745
Median household income	$91,711	$66,868	$71,957	$80,734	64th	105th of 719
Broadband access	93.1%	90.3%	89.9%	91%	58th	151st of 742
Veterans	6.4%	5.5%	6.3%	6.2%	58th	397th of 745
Tech workers	3.3%	2.2%	2.5%	3.8%	58th	127th of 745
Government workers	13.8%	10.7%	11.7%	14.5%	51st	208th of 745
Median earnings per worker	$47,205	$44,264	$46,609	$49,666	47th	309th of 740
Poverty rate	10.1%	14.2%	12.3%	12.5%	45th	356th of 742
Population density	1,032/sq mi	596/sq mi	191/sq mi	95/sq mi	44th	147th of 745
Residents 65 and older	15.8%	16.9%	16.8%	17.2%	44th	495th of 745
Per capita income	$37,573	$36,834	$38,351	$44,673	43rd	254th of 744
Bachelor's degree or higher	28.3%	33.5%	29.5%	35.7%	42nd	163rd of 744
Work from home	10.5%	10.7%	10.7%	15.1%	37th	195th of 745
Median gross rent	$1,199	$1,062	$1,062	$1,413	36th	88th of 640
Median age	37.2	36.7	38.1	38.9	36th	530th of 745
Uninsured rate	5%	7.1%	7.4%	8.4%	33rd	435th of 745
Self-employed workers	7.9%	6.9%	8%	10%	31st	376th of 745
Rent-burdened renters	45.4%	49.1%	48.1%	51.1%	30th	304th of 716
Median home value	$230,600	$192,800	$218,200	$332,700	28th	183rd of 719
Average commute	22.5 min	21.1 min	24.1 min	26.4 min	26th	534th of 726
Healthcare workers	7.6%	8.9%	9.8%	9.7%	22nd	479th of 745
Population	13,996	273,040	6,851,073	334,922,499	21st	175th of 745
Diversity index	24.3	49.6	41.4	61.4	17th	234th of 745
Foreign-born residents	2.6%	6.9%	6.3%	14.1%	16th	260th of 745
Housing vacancy	2.4%	9.6%	8.8%	10.1%	6th	643rd of 742
Unemployment rateStrength	1.6%	5.2%	4.3%	5.2%	3rd	576th of 745
Income inequality (Gini)Strength	0.354	0.470	0.452	0.483	3rd	569th of 740

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

21%

5–17

18–24

12%

25–34

14%

35–44

14%

45–54

11%

55–64

65–74

75+

Median age

37.2

Under 18

27.2%

65 and over

15.8%

Race and ethnicity

White87%
Black2%
Hispanic6%
Asian1%
Native American0.1%
Pacific Islander0%
Other0.1%
Multiracial3%

Diversity index

24.3

U.S. 61.4

Foreign-born

2.6%

U.S. 14.1%

Born in state

74.7%

Language spoken at home (households)

English only

92%

Spanish

Other Indo-European

0.2%

Asian / Pacific

Other

Households

Households: 5,112
Average household size: 2.7
Family households: 77.9%
Married couples: 52.6%
Living alone: 16%
Veterans (of adults): 6.4%
Male / female: 52% / 48%

Income and poverty

Household income distribution

<$25k

$25–50k

17%

$50–75k

16%

$75–100k

12%

$100–150k

26%

$150–200k

15%

$200k+

Median household income

46561

$91,711

St. Joseph Co.

$66,868

Indiana

$71,957

United States

$80,734

Per capita income

$37,573

U.S. $44,673

Poverty rate

10.1%

U.S. 12.5%

Households earning $150K+

20.5%

U.S. 23%

Income inequality (Gini)

0.354

U.S. 0.483

Housing

Median home value

46561

$230,600

St. Joseph Co.

$192,800

Indiana

$218,200

United States

$332,700

Median gross rent

46561

$1,199

St. Joseph Co.

$1,062

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

89%

2–4 units

0.6%

5–19 units

20+ units

0.3%

Mobile home

Boat, RV, van

Housing units: 5,236
Owner-occupied: 85.5%
Vacant: 2.4%
Median year built: 1983
Median rooms: 6.5
Renters paying 30%+ of income: 45.4%
Renters paying 50%+ of income: 24.2%
Home value to income: 2.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

76%

Carpooled

10%

Transit

0.3%

Walked

Bicycle

0.0%

Worked from home

11%

Other

0.9%

Commute time (one way)

<10 min

12%

10–19

35%

20–29

23%

30–44

22%

45–59

60+

Average commute

22.5 min

U.S. 26.4 min

Unemployment

1.6%

U.S. 5.2%

In labor force

65.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

12%

Management

11%

Office and admin

10%

Sales

Education

Cleaning and personal care

Healthcare

Construction and repair

Transportation and moving

Business and finance

Food service

Computer and math

Police and fire

Engineering and science

Legal and social services

Arts, media and sports

Farming, fishing and forestry

0.1%

Industries

Manufacturing

25%

Education

14%

Health care and social assistance

12%

Retail

10%

Transportation, warehousing and utilities

Other services

Finance, insurance and real estate

Public administration

Restaurants and hotels

Professional and technical services

Construction

Admin, support and management

Wholesale

Arts and recreation

0.9%

Information

0.7%

Agriculture and mining

0.1%

Median earnings per worker

$47,205

U.S. $49,666

Self-employed

7.9%

U.S. 10%

Government workers

13.8%

U.S. 14.5%

Nonprofit workers

10.3%

U.S. 8.8%

Median earnings by type of work

Type of work	46561	U.S.
Management, business, science and arts	$65,288	$74,888
Service	$20,904	$26,804
Sales and office	$37,909	$40,476
Construction and maintenance	$78,090	$49,199
Production and transportation	$46,603	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

35%

Some college

18%

Associate's

10%

Bachelor's

20%

Graduate

High school graduate or higher: 91.5%
Bachelor's degree or higher: 28.3%
Graduate or professional degree: 8.5%
Households with broadband: 93.1%
Cable, fiber or DSL: 78.1%
No internet access: 5.7%
Without health insurance: 5%
Limited-English households: 0%

Geography

City (USPS): Osceola
State: Indiana
County: St. Joseph County
Center point: 41.6658° N, 86.0715° W
Land area: 14 sq mi
Water area: 0.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

46561 spans 2 counties

St. Joseph County88% of land
Elkhart County12% of land

Cities and towns within this zip

Osceola10% of zip
Granger (unincorporated)9% of zip

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

Zip codes near 46561

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46545	Mishawaka, IN	4.3 mi	26,606	$56,865	$177,900
46546	Mishawaka, IN · PO box	4.5 mi	—	—	—
46544	Mishawaka, IN	4.6 mi	31,077	$58,829	$172,200
46517	Elkhart, IN	4.6 mi	25,433	$56,772	$177,200
46515	Elkhart, IN · PO box	5 mi	—	—	—
46530	Granger, IN	5.9 mi	31,598	$122,129	$345,400
46514	Elkhart, IN	6.3 mi	42,389	$65,833	$197,800
46516	Elkhart, IN	6.4 mi	31,871	$56,492	$153,400
46615	South Bend, IN	7.3 mi	14,190	$62,964	$139,600
46635	South Bend, IN	7.5 mi	6,410	$81,944	$208,400
46573	Wakarusa, IN	8.4 mi	3,936	$85,750	$241,100
46617	South Bend, IN	8.5 mi	10,032	$74,186	$243,400

Zip codes like 46561 elsewhere

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

Questions about 46561

What city is zip code 46561?

46561 is assigned to Osceola, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46561 in?

46561 is mostly in St. Joseph County, but it extends into 1 other county.

What is the population of 46561?

About 13,996 people live in 46561, according to the Census Bureau's American Community Survey.

What time zone is 46561 in?

46561 is in Eastern Time.

What is the median household income in 46561?

The median household income in 46561 is $91,711.

What zip codes are near 46561?

The closest zip codes to 46561 are 46545, 46546, 46544, 46517, 46515.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46561, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.