Zip code 46628: South Bend, Indiana

Q: What city is zip code 46628?

46628 is assigned to South Bend, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46628 in?

46628 is in St. Joseph County, Indiana.

Q: What is the population of 46628?

About 27,685 people live in 46628, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46628?

The median household income in 46628 is $61,759.

Q: What zip codes are near 46628?

The closest zip codes to 46628 are 46616, 46624, 46556, 46637, 46619.

Residential delivery areaSt. Joseph CountyEastern Time

Population

27,685

Median household income

$62K

U.S. $81K

Median home value

$182K

U.S. $333K

Median rent

$1,104/mo

U.S. $1,413

Median age

37.4

U.S. 38.9

Land area

34 sq mi

810 people/sq mi

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

About 46628

46628 is a suburban zip code in South Bend, Indiana (St. Joseph County), covering 34 sq mi of land. About 27,685 people live here, or 810 per square mile. The median resident is 37.4 years old, compared with 38.9 nationally.

The median household earns $61,759 a year, 24% below the national median of $80,734. 19.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $182,200, or 3.0 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 68% of occupied homes are lived in by their owners, and renters pay a median of $1,104 a month.

25% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 20.4 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in office and administrative support; production and manufacturing; and healthcare.

How 46628 compares

Sorted from highest to lowest national percentile

Poverty rate19.3%
83rd
WeaknessU.S. 12.5% · IN 12.3%102nd of 742 in IN
Residents under 1825.7%
79th
U.S. 22% · IN 23.3%207th of 745 in IN
Housing vacancy11.3%
76th
U.S. 10.1% · IN 8.8%221st of 742 in IN
Diversity index61
74th
U.S. 61.4 · IN 41.434th of 745 in IN
Rent-burdened renters55.7%
69th
U.S. 51.1% · IN 48.1%138th of 716 in IN
Uninsured rate8.6%
63rd
U.S. 8.4% · IN 7.4%197th of 745 in IN
Healthcare workers10.3%
62nd
U.S. 9.7% · IN 9.8%283rd of 745 in IN
Unemployment rate4.9%
51st
U.S. 5.2% · IN 4.3%228th of 745 in IN
Income inequality (Gini)0.436
51st
U.S. 0.483 · IN 0.452175th of 740 in IN
Homeownership rate68.4%
49th
U.S. 65.2% · IN 70.6%603rd of 742 in IN
Veterans5.7%
48th
U.S. 6.2% · IN 6.3%480th of 745 in IN
Population27,685
45th
U.S. 334,922,499 · IN 6,851,07377th of 745 in IN
Population density810/sq mi
40th
U.S. 95/sq mi · IN 191/sq mi166th of 745 in IN
Residents 65 and older15.1%
39th
U.S. 17.2% · IN 16.8%527th of 745 in IN
Median age37.4
37th
U.S. 38.9 · IN 38.1518th of 745 in IN
Bachelor's degree or higher25.4%
35th
U.S. 35.7% · IN 29.5%211th of 744 in IN
Foreign-born residents6.1%
34th
U.S. 14.1% · IN 6.3%126th of 745 in IN
Median earnings per worker$43,292
34th
U.S. $49,666 · IN $46,609457th of 740 in IN
Work from home9.6%
32nd
U.S. 15.1% · IN 10.7%226th of 745 in IN
Government workers11.4%
30th
U.S. 14.5% · IN 11.7%347th of 745 in IN
Median gross rent$1,104
29th
U.S. $1,413 · IN $1,062136th of 640 in IN
Tech workers1.8%
29th
U.S. 3.8% · IN 2.5%285th of 745 in IN
Broadband access88.9%
28th
U.S. 91% · IN 89.9%363rd of 742 in IN
Median household income$61,759
23rd
U.S. $80,734 · IN $71,957508th of 719 in IN
Self-employed workers7.2%
22nd
U.S. 10% · IN 8%453rd of 745 in IN
Per capita income$30,862
21st
U.S. $44,673 · IN $38,351535th of 744 in IN
Median home value$182,200
17th
U.S. $332,700 · IN $218,200348th of 719 in IN
Average commute20.4 min
14th
StrengthU.S. 26.4 min · IN 24.1 min635th of 726 in IN

Measure	46628	St. Joseph	IN	U.S.	National percentile	Rank in IN
Poverty rateWeakness	19.3%	14.2%	12.3%	12.5%	83rd	102nd of 742
Residents under 18	25.7%	23.2%	23.3%	22%	79th	207th of 745
Housing vacancy	11.3%	9.6%	8.8%	10.1%	76th	221st of 742
Diversity index	61	49.6	41.4	61.4	74th	34th of 745
Rent-burdened renters	55.7%	49.1%	48.1%	51.1%	69th	138th of 716
Uninsured rate	8.6%	7.1%	7.4%	8.4%	63rd	197th of 745
Healthcare workers	10.3%	8.9%	9.8%	9.7%	62nd	283rd of 745
Unemployment rate	4.9%	5.2%	4.3%	5.2%	51st	228th of 745
Income inequality (Gini)	0.436	0.470	0.452	0.483	51st	175th of 740
Homeownership rate	68.4%	69%	70.6%	65.2%	49th	603rd of 742
Veterans	5.7%	5.5%	6.3%	6.2%	48th	480th of 745
Population	27,685	273,040	6,851,073	334,922,499	45th	77th of 745
Population density	810/sq mi	596/sq mi	191/sq mi	95/sq mi	40th	166th of 745
Residents 65 and older	15.1%	16.9%	16.8%	17.2%	39th	527th of 745
Median age	37.4	36.7	38.1	38.9	37th	518th of 745
Bachelor's degree or higher	25.4%	33.5%	29.5%	35.7%	35th	211th of 744
Foreign-born residents	6.1%	6.9%	6.3%	14.1%	34th	126th of 745
Median earnings per worker	$43,292	$44,264	$46,609	$49,666	34th	457th of 740
Work from home	9.6%	10.7%	10.7%	15.1%	32nd	226th of 745
Government workers	11.4%	10.7%	11.7%	14.5%	30th	347th of 745
Median gross rent	$1,104	$1,062	$1,062	$1,413	29th	136th of 640
Tech workers	1.8%	2.2%	2.5%	3.8%	29th	285th of 745
Broadband access	88.9%	90.3%	89.9%	91%	28th	363rd of 742
Median household income	$61,759	$66,868	$71,957	$80,734	23rd	508th of 719
Self-employed workers	7.2%	6.9%	8%	10%	22nd	453rd of 745
Per capita income	$30,862	$36,834	$38,351	$44,673	21st	535th of 744
Median home value	$182,200	$192,800	$218,200	$332,700	17th	348th of 719
Average commuteStrength	20.4 min	21.1 min	24.1 min	26.4 min	14th	635th of 726

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

19%

5–17

18–24

15%

25–34

12%

35–44

14%

45–54

12%

55–64

65–74

75+

Median age

37.4

Under 18

25.7%

65 and over

15.1%

Race and ethnicity

White55%
Black26%
Hispanic12%
Asian1%
Native American0.1%
Pacific Islander0.2%
Other0.4%
Multiracial5%

Diversity index

U.S. 61.4

Foreign-born

6.1%

U.S. 14.1%

Born in state

64.6%

Language spoken at home (households)

English only

88%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 10,787
Average household size: 2.6
Family households: 64.1%
Married couples: 41.4%
Living alone: 29.1%
Veterans (of adults): 5.7%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

19%

$25–50k

23%

$50–75k

17%

$75–100k

14%

$100–150k

15%

$150–200k

$200k+

Median household income

46628

$61,759

St. Joseph Co.

$66,868

Indiana

$71,957

United States

$80,734

Per capita income

$30,862

U.S. $44,673

Poverty rate

19.3%

U.S. 12.5%

Households earning $150K+

12%

U.S. 23%

Income inequality (Gini)

0.436

U.S. 0.483

Housing

Median home value

46628

$182,200

St. Joseph Co.

$192,800

Indiana

$218,200

United States

$332,700

Median gross rent

46628

$1,104

St. Joseph Co.

$1,062

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

86%

2–4 units

5–19 units

20+ units

Mobile home

0.8%

Boat, RV, van

Housing units: 12,156
Owner-occupied: 68.4%
Vacant: 11.3%
Median year built: 1965
Median rooms: 5.7
Renters paying 30%+ of income: 55.7%
Renters paying 50%+ of income: 32.7%
Home value to income: 3.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

72%

Carpooled

12%

Transit

Walked

Bicycle

0.3%

Worked from home

10%

Other

Commute time (one way)

<10 min

14%

10–19

43%

20–29

21%

30–44

14%

45–59

60+

Average commute

20.4 min

U.S. 26.4 min

Unemployment

4.9%

U.S. 5.2%

In labor force

61.5%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

12%

Production

11%

Healthcare

10%

Transportation and moving

10%

Sales

Construction and repair

Management

Food service

Cleaning and personal care

Education

Business and finance

Engineering and science

Police and fire

Arts, media and sports

Legal and social services

Computer and math

Farming, fishing and forestry

Industries

Manufacturing

19%

Health care and social assistance

16%

Retail

11%

Education

10%

Transportation, warehousing and utilities

Restaurants and hotels

Construction

Professional and technical services

Wholesale

Finance, insurance and real estate

Other services

Admin, support and management

Public administration

Information

Arts and recreation

Agriculture and mining

0.2%

Median earnings per worker

$43,292

U.S. $49,666

Self-employed

7.2%

U.S. 10%

Government workers

11.4%

U.S. 14.5%

Nonprofit workers

10.6%

U.S. 8.8%

Median earnings by type of work

Type of work	46628	U.S.
Management, business, science and arts	$60,684	$74,888
Service	$20,853	$26,804
Sales and office	$38,835	$40,476
Construction and maintenance	$52,841	$49,199
Production and transportation	$42,072	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

34%

Some college

22%

Associate's

10%

Bachelor's

16%

Graduate

High school graduate or higher: 91.1%
Bachelor's degree or higher: 25.4%
Graduate or professional degree: 9.2%
Households with broadband: 88.9%
Cable, fiber or DSL: 66.3%
No internet access: 9.2%
Without health insurance: 8.6%
Limited-English households: 2.3%

Geography

City (USPS): South Bend
State: Indiana
County: St. Joseph County
Center point: 41.7202° N, 86.3202° W
Land area: 34 sq mi
Water area: 0.7 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

South Bend40% of zip

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

Zip codes near 46628

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46616	South Bend, IN	3.2 mi	5,979	$58,537	$153,600
46624	South Bend, IN	3.7 mi	28	—	—
46556	Notre Dame, IN	4.1 mi	8,344	—	—
46637	South Bend, IN	4.1 mi	16,200	$71,462	$207,100
46619	South Bend, IN	4.4 mi	21,729	$48,081	$105,400
46626	South Bend, IN · PO box	4.6 mi	—	—	—
46601	South Bend, IN	4.9 mi	4,800	$30,789	$145,000
46617	South Bend, IN	5.1 mi	10,032	$74,186	$243,400
46613	South Bend, IN	5.4 mi	12,279	$42,537	$82,800
46635	South Bend, IN	6.1 mi	6,410	$81,944	$208,400
46615	South Bend, IN	6.4 mi	14,190	$62,964	$139,600
46614	South Bend, IN	8.2 mi	29,602	$74,153	$187,500

Zip codes like 46628 elsewhere

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

Questions about 46628

What city is zip code 46628?

46628 is assigned to South Bend, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46628 in?

46628 is in St. Joseph County, Indiana.

What is the population of 46628?

About 27,685 people live in 46628, according to the Census Bureau's American Community Survey.

What time zone is 46628 in?

46628 is in Eastern Time.

What is the median household income in 46628?

The median household income in 46628 is $61,759.

What zip codes are near 46628?

The closest zip codes to 46628 are 46616, 46624, 46556, 46637, 46619.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46628, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.