ZIP code 46615

ZIP 46615 is a mid-size town in St. Joseph County, Indiana, with 14,411 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #172 of 807 ranked by population — larger than 78% of them. The median age here is 35.3 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 46615 earn a median of $57,983 a year, 26.2% below the national figure of $78,538. 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 18.5% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 46615 is valued at $127,800, 57.9% below the national figure, while median gross rent runs $971 a month, 30.9% below the national figure, or roughly $11,652 across a full year. A household on the local median income would put about 20.1% 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 2.2×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 61.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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 46615 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 mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 46615 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46615 reports a median household income of $57,983, 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 $127,800, 27% below the county figure and 24% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $971 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 46615.

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 46615 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.