ZIP Code 46544: Population, Income, Housing

State: IN

Total population: 31,077 Household income: $58,829 Rent: $1,012

Overview

Total population

31,077

Rent

$1,012

Year built

1970

Household income

$58,829

Per capita income

$33,913

Poverty rate

15.5%

Unemployment rate

N/A

Household size

2.4 persons

Rent over 30% of income

43.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

Indiana

County

Saint Joseph County

Total population

31,077

Adults over 25

20,990

Total households

12,839

Household size

2.4 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$58,829

Per capita income

$33,913

Poverty rate

15.5%

Unemployment rate

N/A

Rent over 30% of income

43.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$1,012

Year built

1970

Households that rent

36.3%

Households that own

63.7%

Rooms per home (all homes)

5.4

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

78.8%

Black

9.9%

Asian

Two or more races

8.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

5.4%

Not Hispanic or Latino

94.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

13,823 (91.8%)

Commute time to work

21 mins

Work from home

1,228 (8.2%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

28.7%

High school graduate or GED

34.8%

Some college or associate degree

9.6%

Bachelor’s degree or higher

26.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 46544 with: St. Joseph County, IN South Bend metro area, IN-MI Indiana United States

ZIP 46544

Total population31,077

Rent$1,012

Year built1970

Household income$58,829

Per capita income$33,913

Poverty rate15.5%

Unemployment rateN/A

St. Joseph County, IN

Total population273,040

Rent$1,062

Year built1968

Household income$66,868

Per capita income$36,834

Poverty rate14.2%

Unemployment rate4.6%

South Bend Metro Area, IN-MI

Total population324,560

Rent$1,046

Year built1969

Household income$67,217

Per capita income$37,216

Poverty rate13.8%

Unemployment rate4.9%

Indiana State

Total population6,851,073

Rent$1,062

Year built1976

Household income$71,957

Per capita income$38,351

Poverty rate12.3%

Unemployment rate4.2%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP46544	CountySt. Joseph, IN	Metro AreaSouth Bend metro area, IN-MI	StateIndiana	CountryUnited States
Total population	31,077	273,040	324,560	6,851,073	334,922,499
Rent	$1,012	$1,062	$1,046	$1,062	$1,413
Year built	1970	1968	1969	1976	1980
Household income	$58,829	$66,868	$67,217	$71,957	$80,734
Per capita income	$33,913	$36,834	$37,216	$38,351	$44,673
Poverty rate	15.5%	14.2%	13.8%	12.3%	12.5%
Unemployment rate	N/A	4.6%	4.9%	4.2%	4%

View the full multi-level comparison →

Summary for 46544

Rent & Income

In 46544, the typical monthly rent is $1,012 and the typical household income is $58,829. Rent here is similar to Indiana, and household income is lower than Indiana. The estimated poverty rate is 15.5%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 36.3% of households. About 43.6% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 26.8% of adults holding a bachelor’s degree or higher.

ZIP 46544 — Rent vs Household Income

ZIP 46544 — Poverty

How ZIP 46544 compares in Indiana (62 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$1,012	13 / 62	from lower rent	$820 – $1,795
Household income	$58,829	50 / 62	from higher income	$49,195 – $177,679
Poverty rate	15.5%	42 / 62	from lower poverty	2% – 28.6%

Rankings are calculated among ZIP Codes in Indiana with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 46544

Rent

For rent, this ZIP is positioned 13th out of 62 ZIP Codes in Indiana. In Indiana as a whole, the range goes from $820 in ZIP 47374 up to $1,795 in ZIP 46077.

Household income

For household income, ZIP Code 46544 ranks 50th out of 62 ZIP Codes. Statewide, values range from $49,195 in ZIP 46201 up to $177,679 in ZIP 46077.

Poverty rate

For poverty levels, this ZIP is positioned 42nd out of 62 ZIP Codes. Across Indiana, figures vary from 2% in ZIP 46033 up to 28.6% in ZIP 47906.

💰 Rent in ZIP Code 46544 (with Utilities)

Estimated Monthly Rent: $1,012 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 46544

Annual Household Income: $58,829

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 46544

Estimated Rate: 15.5%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 46544

In ZIP Code 46544, households that rent: 4,665 (36.3%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	4,665	36.3%
Owner-Occupied	8,174	63.7%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 46544

In ZIP Code 46544, cost-burdened renters (households spending over 30% of income on housing): 2,033 (43.6%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	2,033	43.6%
Other renter households	2,632	56.4%
Total renter households	4,665	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 46544

Less than High School: 6,031 people (28.7%)

Includes adults who did not complete high school.

High School Graduate or GED: 7,304 people (34.8%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,021 people (9.6%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 5,634 people (26.8%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 20,990

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.