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St. Joseph County · Indiana

ZIP code 46556

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 46556 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
8,159

ZCTA residents

Median income
—

Household, past 12 months

Median home
—

Owner-occupied value

Sales tax
7%

Indiana state rate

Quick answer

ZIP 46556 sits in St. Joseph County, Indiana and is home to 8,159 people. Median household income is —, the median home is worth — and median gross rent is $992. 3.2% of households own their home, and purchases are taxed at 7% (Indiana state rate).

County
St. Joseph County

FIPS 18141

State
Indiana (IN)

807 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 46556

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
8,159ZIP 46556 residents
Median household income
—Past 12 months, inflation adjusted
Median home value
—Owner-occupied units
Median gross rent
$992Rent plus utilities, monthly
Median age
20.3 yrsAll residents
Homeownership rate
3.2%Owner-occupied households

ZIP 46556 in context

How this area compares with national benchmarks.

ZIP 46556 is a mid-size town in St. Joseph County, Indiana, with 8,159 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #243 of 807 ranked by population — larger than 69% of them. The median age here is 20.3 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 46556 earn a median of not published a year. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 47% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 46556 is valued at not published, while median gross rent runs $992 a month, 29.4% below the national figure, or roughly $11,904 across a full year. 3.2% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 20.3 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address.

The Census withheld household income, home value for ZIP 46556 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

Reading ZIP 46556 in context

How 46556 sits inside St. Joseph County and Indiana.

ZIP 46556 is tabulated inside St. Joseph County, Indiana, one of 20 ZIP areas the Census publishes for that county and 807 across Indiana. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 46556 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46556 reports a median household income of not published. Owner-occupied homes are valued at a median of not published. Rent is reported gross — the contract amount plus tenant-paid utilities — at $992 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 46556.

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 46556 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.

Sales tax in 46556

What a purchase inside this ZIP costs at checkout.

Rate applied
7%State base rate only
Tax on $100
$7Rounded to the dollar
Tax on $1,000
$70Before any exemptions

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.

Rent burden
—Median rent ÷ median income
Price-to-income
—Home value ÷ household income
Est. mortgage
—20% down, 30-yr at 6.75%
Poverty rate
47%Residents below poverty line

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 46556 compares

ZIP 46556 against the median ZIP in St. Joseph County and across Indiana.

MeasureZIP 46556County medianState medianvs state
Median household income—$70,998$68,990—
Median home value—$174,900$168,100—
Median gross rent$992$991$895+11%
Population8,15911,0642,793+192%

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

Not published

—
Home value

Not published

—
Population

larger than 70% of 807 state ZIPs

#243

Nearby ZIP codes

Other ZIP codes filed under St. Joseph County.

Adjacent ZIP Codes

Other ZIP codes in St. Joseph County, Indiana.

ZIP 46556 questions

Common questions about this ZIP code.

Where is ZIP code 46556?
ZIP 46556 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 46556?
Indiana charges 7% statewide.
Is 46556 expensive to live in?
Median rent runs $992 a month, and the median home is worth — — — 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.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 46556, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

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.