Zip code 46635: South Bend, Indiana

Q: What city is zip code 46635?

46635 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 46635 in?

46635 is in St. Joseph County, Indiana.

Q: What is the population of 46635?

About 6,410 people live in 46635, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46635?

The median household income in 46635 is $81,944.

Q: What zip codes are near 46635?

The closest zip codes to 46635 are 46556, 46637, 46617, 46624, 46615.

Residential delivery areaSt. Joseph CountyEastern Time

Population

6,410

Median household income

$82K

U.S. $81K

Median home value

$208K

U.S. $333K

Median rent

$955/mo

U.S. $1,413

Median age

45.7

U.S. 38.9

Land area

3.1 sq mi

2,068 people/sq mi

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

About 46635

46635 is a suburban zip code in South Bend, Indiana (St. Joseph County), covering 3.1 sq mi of land. About 6,410 people live here, or 2,068 per square mile. The median resident is 45.7 years old, compared with 38.9 nationally.

The median household earns $81,944 a year, close to the national median of $80,734. 6.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $208,400, or 2.5 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 77% of occupied homes are lived in by their owners, and renters pay a median of $955 a month.

40% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 19.2 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in healthcare; sales; and construction and repair.

How 46635 compares

Sorted from highest to lowest national percentile

Residents 65 and older24.7%
91st
U.S. 17.2% · IN 16.8%88th of 745 in IN
Median age45.7
88th
U.S. 38.9 · IN 38.1150th of 745 in IN
Healthcare workers12.4%
84th
U.S. 9.7% · IN 9.8%148th of 745 in IN
Veterans8.7%
83rd
U.S. 6.2% · IN 6.3%170th of 745 in IN
Unemployment rate7.2%
81st
WeaknessU.S. 5.2% · IN 4.3%107th of 745 in IN
Homeownership rate77%
71st
U.S. 65.2% · IN 70.6%482nd of 742 in IN
Bachelor's degree or higher39.5%
65th
U.S. 35.7% · IN 29.5%70th of 744 in IN
Housing vacancy8.5%
63rd
U.S. 10.1% · IN 8.8%344th of 742 in IN
Population density2,068/sq mi
58th
U.S. 95/sq mi · IN 191/sq mi73rd of 745 in IN
Median household income$81,944
53rd
U.S. $80,734 · IN $71,957196th of 719 in IN
Broadband access92.2%
50th
U.S. 91% · IN 89.9%193rd of 742 in IN
Median earnings per worker$47,783
49th
U.S. $49,666 · IN $46,609281st of 740 in IN
Uninsured rate6%
43rd
U.S. 8.4% · IN 7.4%358th of 745 in IN
Per capita income$37,282
42nd
U.S. $44,673 · IN $38,351265th of 744 in IN
Tech workers2.2%
37th
U.S. 3.8% · IN 2.5%227th of 745 in IN
Work from home9.7%
32nd
U.S. 15.1% · IN 10.7%223rd of 745 in IN
Diversity index32.1
26th
U.S. 61.4 · IN 41.4172nd of 745 in IN
Rent-burdened renters43.3%
24th
U.S. 51.1% · IN 48.1%347th of 716 in IN
Self-employed workers7.4%
24th
U.S. 10% · IN 8%424th of 745 in IN
Median home value$208,400
23rd
U.S. $332,700 · IN $218,200252nd of 719 in IN
Residents under 1818.8%
23rd
U.S. 22% · IN 23.3%583rd of 745 in IN
Poverty rate6.6%
22nd
U.S. 12.5% · IN 12.3%540th of 742 in IN
Foreign-born residents3.7%
22nd
U.S. 14.1% · IN 6.3%208th of 745 in IN
Median gross rent$955
18th
U.S. $1,413 · IN $1,062268th of 640 in IN
Population6,410
10th
U.S. 334,922,499 · IN 6,851,073267th of 745 in IN
Average commute19.2 min
10th
StrengthU.S. 26.4 min · IN 24.1 min672nd of 726 in IN
Income inequality (Gini)0.359
4th
StrengthU.S. 0.483 · IN 0.452553rd of 740 in IN
Government workers6.1%
2nd
U.S. 14.5% · IN 11.7%659th of 745 in IN

Measure	46635	St. Joseph	IN	U.S.	National percentile	Rank in IN
Residents 65 and older	24.7%	16.9%	16.8%	17.2%	91st	88th of 745
Median age	45.7	36.7	38.1	38.9	88th	150th of 745
Healthcare workers	12.4%	8.9%	9.8%	9.7%	84th	148th of 745
Veterans	8.7%	5.5%	6.3%	6.2%	83rd	170th of 745
Unemployment rateWeakness	7.2%	5.2%	4.3%	5.2%	81st	107th of 745
Homeownership rate	77%	69%	70.6%	65.2%	71st	482nd of 742
Bachelor's degree or higher	39.5%	33.5%	29.5%	35.7%	65th	70th of 744
Housing vacancy	8.5%	9.6%	8.8%	10.1%	63rd	344th of 742
Population density	2,068/sq mi	596/sq mi	191/sq mi	95/sq mi	58th	73rd of 745
Median household income	$81,944	$66,868	$71,957	$80,734	53rd	196th of 719
Broadband access	92.2%	90.3%	89.9%	91%	50th	193rd of 742
Median earnings per worker	$47,783	$44,264	$46,609	$49,666	49th	281st of 740
Uninsured rate	6%	7.1%	7.4%	8.4%	43rd	358th of 745
Per capita income	$37,282	$36,834	$38,351	$44,673	42nd	265th of 744
Tech workers	2.2%	2.2%	2.5%	3.8%	37th	227th of 745
Work from home	9.7%	10.7%	10.7%	15.1%	32nd	223rd of 745
Diversity index	32.1	49.6	41.4	61.4	26th	172nd of 745
Rent-burdened renters	43.3%	49.1%	48.1%	51.1%	24th	347th of 716
Self-employed workers	7.4%	6.9%	8%	10%	24th	424th of 745
Median home value	$208,400	$192,800	$218,200	$332,700	23rd	252nd of 719
Residents under 18	18.8%	23.2%	23.3%	22%	23rd	583rd of 745
Poverty rate	6.6%	14.2%	12.3%	12.5%	22nd	540th of 742
Foreign-born residents	3.7%	6.9%	6.3%	14.1%	22nd	208th of 745
Median gross rent	$955	$1,062	$1,062	$1,413	18th	268th of 640
Population	6,410	273,040	6,851,073	334,922,499	10th	267th of 745
Average commuteStrength	19.2 min	21.1 min	24.1 min	26.4 min	10th	672nd of 726
Income inequality (Gini)Strength	0.359	0.470	0.452	0.483	4th	553rd of 740
Government workers	6.1%	10.7%	11.7%	14.5%	2nd	659th 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

18–24

11%

25–34

12%

35–44

13%

45–54

13%

55–64

12%

65–74

13%

75+

Median age

45.7

Under 18

18.8%

65 and over

24.7%

Race and ethnicity

White82%
Black6%
Hispanic2%
Asian3%
Native American0%
Pacific Islander0%
Other0%
Multiracial7%

Diversity index

32.1

U.S. 61.4

Foreign-born

3.7%

U.S. 14.1%

Born in state

66.5%

Language spoken at home (households)

English only

93%

Spanish

Other Indo-European

Asian / Pacific

Other

0.7%

Households

Households: 2,718
Average household size: 2.3
Family households: 58.5%
Married couples: 46.9%
Living alone: 36.2%
Veterans (of adults): 8.7%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

13%

$25–50k

17%

$50–75k

15%

$75–100k

18%

$100–150k

24%

$150–200k

$200k+

Median household income

46635

$81,944

St. Joseph Co.

$66,868

Indiana

$71,957

United States

$80,734

Per capita income

$37,282

U.S. $44,673

Poverty rate

6.6%

U.S. 12.5%

Households earning $150K+

11.8%

U.S. 23%

Income inequality (Gini)

0.359

U.S. 0.483

Housing

Median home value

46635

$208,400

St. Joseph Co.

$192,800

Indiana

$218,200

United States

$332,700

Median gross rent

46635

$955

St. Joseph Co.

$1,062

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

87%

2–4 units

0.3%

5–19 units

20+ units

Mobile home

0.4%

Boat, RV, van

Housing units: 2,972
Owner-occupied: 77%
Vacant: 8.5%
Median year built: 1968
Median rooms: 6.2
Renters paying 30%+ of income: 43.3%
Renters paying 50%+ of income: 28.5%
Home value to income: 2.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

80%

Carpooled

Transit

0.3%

Walked

Bicycle

0.7%

Worked from home

10%

Other

Commute time (one way)

<10 min

15%

10–19

42%

20–29

26%

30–44

11%

45–59

60+

Average commute

19.2 min

U.S. 26.4 min

Unemployment

7.2%

U.S. 5.2%

In labor force

58.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

12%

Sales

12%

Construction and repair

10%

Office and admin

10%

Management

Business and finance

Education

Transportation and moving

Production

Food service

Cleaning and personal care

Legal and social services

Police and fire

Computer and math

Arts, media and sports

Farming, fishing and forestry

Engineering and science

0.6%

Industries

Health care and social assistance

16%

Retail

12%

Education

11%

Manufacturing

10%

Finance, insurance and real estate

Other services

Construction

Admin, support and management

Restaurants and hotels

Wholesale

Transportation, warehousing and utilities

Professional and technical services

Information

Public administration

Arts and recreation

0.5%

Agriculture and mining

Median earnings per worker

$47,783

U.S. $49,666

Self-employed

7.4%

U.S. 10%

Government workers

6.1%

U.S. 14.5%

Nonprofit workers

18.5%

U.S. 8.8%

Median earnings by type of work

Type of work	46635	U.S.
Management, business, science and arts	$62,476	$74,888
Service	$29,432	$26,804
Sales and office	$41,595	$40,476
Construction and maintenance	$48,571	$49,199
Production and transportation	$54,958	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

11%

High school

23%

Some college

19%

Associate's

Bachelor's

25%

Graduate

14%

High school graduate or higher: 89.3%
Bachelor's degree or higher: 39.5%
Graduate or professional degree: 14.1%
Households with broadband: 92.2%
Cable, fiber or DSL: 77.2%
No internet access: 4.6%
Without health insurance: 6%
Limited-English households: 0.3%

Geography

City (USPS): South Bend
State: Indiana
County: St. Joseph County
Center point: 41.7144° N, 86.2017° W
Land area: 3.1 sq mi
Water area: under 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Granger (unincorporated)43% of zip
South Bend16% of zip

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

Zip codes near 46635

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46556	Notre Dame, IN	2.4 mi	8,344	—	—
46637	South Bend, IN	2.5 mi	16,200	$71,462	$207,100
46617	South Bend, IN	2.7 mi	10,032	$74,186	$243,400
46624	South Bend, IN	2.7 mi	28	—	—
46615	South Bend, IN	2.8 mi	14,190	$62,964	$139,600
46545	Mishawaka, IN	3.2 mi	26,606	$56,865	$177,900
46616	South Bend, IN	3.6 mi	5,979	$58,537	$153,600
46626	South Bend, IN · PO box	3.7 mi	—	—	—
46601	South Bend, IN	4 mi	4,800	$30,789	$145,000
46546	Mishawaka, IN · PO box	4.2 mi	—	—	—
46530	Granger, IN	4.3 mi	31,598	$122,129	$345,400
46613	South Bend, IN	5.4 mi	12,279	$42,537	$82,800

Zip codes like 46635 elsewhere

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

Questions about 46635

What city is zip code 46635?

46635 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 46635 in?

46635 is in St. Joseph County, Indiana.

What is the population of 46635?

About 6,410 people live in 46635, according to the Census Bureau's American Community Survey.

What time zone is 46635 in?

46635 is in Eastern Time.

What is the median household income in 46635?

The median household income in 46635 is $81,944.

What zip codes are near 46635?

The closest zip codes to 46635 are 46556, 46637, 46617, 46624, 46615.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46635, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.