ZIP code 46544

ZIP 46544 is a small city in St. Joseph County, Indiana, with 31,138 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #61 of 807 ranked by population — larger than 92% of them. The median age here is 35 years against 39.1 nationally, a slightly younger profile than the country as a whole. 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 46544 earn a median of $57,873 a year, 26.3% below 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 18% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 46544 is valued at $151,100, 50.2% below the national figure, while median gross rent runs $1,018 a month, 27.6% below the national figure, or roughly $12,216 across a full year. A household on the local median income would put about 21.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 2.6×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 66.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

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 46544 is tabulated inside St. Joseph County, Indiana, one of 20 ZIP areas the Census publishes for that county and 807 across Indiana. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. 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 46544 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46544 reports a median household income of $57,873, 18% below the $70,998 county median, and 16% below the $68,990 typical IN ZIP. Owner-occupied homes are valued at a median of $151,100, 14% below the county figure and 10% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,018 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 46544.

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 46544 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.