ZIP code 46540

ZIP 46540 is a mid-size town in Elkhart County, Indiana, with 13,239 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #178 of 807 ranked by population — larger than 78% of them. The median age here is 31.7 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 46540 earn a median of $99,664 a year, 26.9% above the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 6.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 46540 is valued at $297,800, 1.8% below the national figure, while median gross rent runs $1,074 a month, 23.6% below the national figure, or roughly $12,888 across a full year. A household on the local median income would put about 12.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 87.7% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 46540 is tabulated inside Elkhart County, Indiana, one of 11 ZIP areas the Census publishes for that county and 807 across Indiana. This is a mid-sized ZIP that covers a large share of its county's addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 46540 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46540 reports a median household income of $99,664, 26% above the $79,375 county median, and 44% above the $68,990 typical IN ZIP. Owner-occupied homes are valued at a median of $297,800, 29% above the county figure and 77% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,074 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Indiana charges 7% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 46540.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 46540 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.