St. Joseph County · Indiana
ZIP code 46545
- Population
- 26,581
- Median income
- $55,889
- Median home
- $174,700
- Sales tax
- 7%
ZCTA residents
Household, past 12 months
Owner-occupied value
Indiana state rate
Quick answer
ZIP 46545 sits in St. Joseph County, Indiana and is home to 26,581 people. Median household income is $55,889, the median home is worth $174,700 and median gross rent is $986. 49.4% of households own their home, and purchases are taxed at 7% (Indiana state rate).
- County
- St. Joseph County
- State
- Indiana (IN)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 18141
807 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 46545
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 26,581ZIP 46545 residents
- Median household income
- $55,889Past 12 months, inflation adjusted
- Median home value
- $174,700Owner-occupied units
- Median gross rent
- $986Rent plus utilities, monthly
- Median age
- 38.4 yrsAll residents
- Homeownership rate
- 49.4%Owner-occupied households
Sales tax in 46545
What a purchase inside this ZIP costs at checkout.
Indiana levies 7% statewide with no local add-ons. Check the county page for the local component before you quote a price.
Affordability in this ZIP
Derived from the Census medians above — indicative, not an offer.
A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.
How 46545 compares
ZIP 46545 against the median ZIP in St. Joseph County and across Indiana.
| Measure | ZIP 46545 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $55,889 | $70,998 | $68,990 | -19% |
| Median home value | $174,700 | $174,900 | $168,100 | +4% |
| Median gross rent | $986 | $991 | $895 | +10% |
| Population | 26,581 | 11,064 | 2,793 | +852% |
Medians are computed across the 20 ZIP areas in St. Joseph County and the 807 ZIP areas in Indiana.
Statewide rank
Where this ZIP places among all 807 Indiana ZIP areas.
- Income
- #601
- Home value
- #334
- Population
- #81
richer than 18% of 734 state ZIPs
above 54% of 733 state ZIPs
larger than 90% of 807 state ZIPs
Comparable ZIP codes
Indiana ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under St. Joseph County.
ZIP 46545 questions
Common questions about this ZIP code.
- Where is ZIP code 46545?
- ZIP 46545 lies mostly in St. Joseph County, Indiana. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
- What sales tax do I pay in 46545?
- Indiana charges 7% statewide.
- Is 46545 expensive to live in?
- Median rent runs $986 a month, about 21% of median household income, and the median home is worth $174,700 — +4% against the typical Indiana ZIP.
- Is a ZCTA the same as a postal ZIP code?
- Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- Indiana Department of Revenue — Sales tax rates and local add-ons
Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.