46616 ZIP Code — South Bend, IN

St Joseph County, Indiana

ZIP code 46616 is located in South Bend, Indiana, within St Joseph County. It covers approximately 1.44 square miles and serves a population of 5,656 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46616

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $109,100. Owner-occupancy sits near the national average at 57%.

Median household income is $50,515. SNAP benefit usage at 19% of households reflects economic stress in the area. 30% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 18 minutes is near the national average.

Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Overall, ZIP code 46616 reflects a community defined by a significant Social Security-dependent population and elevated reliance on food assistance.

5,656

population

1.44

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46616 ZIP code map

Cities in ZIP code 46616

Below are the cities the US Postal Service accepts for ZIP code 46616. Using any city not on this list may result in mail delivery delays.

City	Status
South Bend	Preferred

Nearby ZIP codes

46626 South Bend (1.2 mi) 46699 South Bend (1.2 mi) 46617 South Bend (1.6 mi) 46601 South Bend (1.8 mi) 46637 South Bend (2.4 mi) 46613 South Bend (2.9 mi) 46615 South Bend (2.9 mi) 46635 South Bend (3.5 mi) 46628 South Bend (4.1 mi) 46619 South Bend (5 mi) 46545 Mishawaka (6.4 mi) 46614 South Bend (6.6 mi)

Demographics updated 06/2026

Population
Total population	5,656
Population density	3,928 / sq mi
State FIPS	18
County FIPS	141

Geography
Land area	1.44 sq mi
Water area	0.10 sq mi
Latitude	41.6964
Longitude	-86.2660
Timezone	Eastern (ET)
Area code	574

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.3%	46.1%	42.9%
$50k – $100k	28.2%	31.7%	32.7%
$100k – $200k	11.5%	18.0%	19.8%
Over $200k	2.1%	4.2%	4.5%

Demographics & statistics

5,656

Population

3,928

People per sq mi

33.5

Median age

$50,515

Median household income

$29,204

Per capita income

$109,100

Median home value

$989

Median monthly rent

57.2%

Home ownership

17.0%

Poverty rate

3.4%

Unemployment

1,699

Housing units

35.0%

Bachelor's or higher

Age distribution

Male Female

251

Under 5

249

168

5–9

167

113

10–14

111

172

15–19

170

239

20–24

237

543

25–34

538

322

35–44

319

309

45–54

305

168

55–59

167

177

60–64

175

293

65–74

290

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,299	23.0%
18 and over	4,357	77.0%
65 and over	756	13.4%
Median age	33.5 years

Race & ethnicity

White 56.6%

Black or African American 20.5%

Two or more races 11.2%

Hispanic or Latino 9.2%

Other race 1.7%

Asian 0.8%

Group	Count	%
White	3,527	56.6%
Black or African American	1,274	20.5%
Two or more races	699	11.2%
Hispanic or Latino	571	9.2%
Other race	106	1.7%
Asian	47	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.3%	46.1%	42.9%
$50k – $100k	28.2%	31.7%	32.7%
$100k – $200k	11.5%	18.0%	19.8%
Over $200k	2.1%	4.2%	4.5%

Under $10k 3.9%

$10k–$15k 5.3%

$15k–$25k 9.4%

$25k–$35k 14.1%

$35k–$50k 16.9%

$50k–$75k 19.3%

$75k–$100k 10.7%

$100k–$150k 12.2%

$150k–$200k 5.4%

$200k+ 2.6%

Range	% of households
Under $10k	3.9%
$10k–$15k	5.3%
$15k–$25k	9.4%
$25k–$35k	14.1%
$35k–$50k	16.9%
$50k–$75k	19.3%
$75k–$100k	10.7%
$100k–$150k	12.2%
$150k–$200k	5.4%
$200k+	2.6%
Median income	$50,515

Housing

Home values

Under $50k 8.2%

$50k–$100k 34.9%

$100k–$150k 27.6%

$150k–$200k 14.0%

$200k–$300k 11.2%

$300k–$500k 3.1%

$500k–$1M 1.0%

Housing overview

Metric	Value
Median home value	$109,100
Median rent / month	$989
Owner occupied	57.2%
Renter occupied	42.8%
Vacant	11.7%
Single-family detached	76.8%
Large apartment buildings	0.7%
Mobile homes	1.8%
Median rooms	6.1
Avg household size (owned)	2.24

Year built

Era	%
2020 or later	0.2%
2010–2019	2.2%
2000–2009	1.5%
1990–1999	1.3%
1980–1989	1.9%
1970–1979	6.7%
1960–1969	4.9%
1950–1959	26.6%
1940–1949	16.1%
1939 or earlier	38.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	10.0%
2 bedrooms	29.0%
3 bedrooms	43.7%
4 bedrooms	12.0%
5+ bedrooms	3.7%

Vehicles per household

Vehicles	% of households
No vehicle	13.9%
1 vehicle	42.6%
2 vehicles	36.2%
3 or more	7.3%

Heating fuel

Fuel type	%
Utility gas	83.8%
Electricity	14.6%
Propane / LP gas	1.2%
Fuel oil	0.2%

Households & families

Household type	Count	%
Married-couple family	787	32.7%
Cohabiting couple	231	9.6%
Male householder, no spouse	681	28.3%
Female householder, no spouse	711	29.5%
Households with children under 18	627	26.0%
Households with seniors (65+)	647	26.8%
Average household size	2.33

Marital status

Status	Male	Female
Never married	49.0%	43.7%
Married	33.7%	37.2%
Separated	0.2%	2.9%
Widowed	0.4%	5.9%
Divorced	16.7%	10.3%

Education

Less than 9th grade 2.5%

Some HS, no diploma 7.5%

HS graduate 24.0%

Some college, no degree 19.7%

Associate's degree 11.2%

Bachelor's degree 11.6%

Graduate / professional 23.4%

Metric	%
HS diploma or higher	89.9%
Bachelor's or higher	35.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	43	3.4%
Kindergarten	86	6.8%
Elementary school	562	44.3%
High school	198	15.6%
College / grad school	380	29.9%

Employment

Industry of employment

Education & healthcare 35.6%

Manufacturing 13.9%

Arts, food & hospitality 11.8%

Retail trade 11.0%

Other services 7.9%

Professional & management 6.1%

Construction 3.2%

Wholesale trade 2.9%

Finance & real estate 2.7%

Transportation & utilities 2.6%

Public administration 1.3%

Information 0.7%

Agriculture & mining 0.5%

Occupation

Category	%
Management, business & arts	44.9%
Service	17.5%
Sales & office	15.6%
Natural resources & construction	4.9%
Production & transportation	17.2%

Employment type

Type	%
Private sector	89.5%
Government	7.3%
Self-employed	3.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	62.6%
Carpool	15.9%
Public transit	3.9%
Walk	3.6%
Work from home	7.3%
Other means	6.6%
Avg commute (minutes)	18.3

Poverty

All people 17.0%

Under 18 years 22.9%

18 and over 15.2%

Married-couple families 9.7%

Female-led households 23.3%

Income support

Source	% of households
Social Security	30.4%
Retirement income	16.8%
Supplemental Security	7.3%
Cash public assistance	1.0%
Food stamps / SNAP	19.3%

Health indicators

Condition	%
Obesity	40.3%
High blood pressure	35.0%
High cholesterol	29.7%
Diabetes	11.7%
Heart disease	6.4%
Stroke	3.5%
Asthma	10.7%
Arthritis	23.5%
Kidney disease	3.1%
Pulmonary disease	8.3%
Cancer	5.4%

Behavior / access	%
Smoking	23.6%
Binge drinking	15.3%
No physical activity	28.3%
Less than 7 hrs sleep	35.0%
Depression	22.9%
Fair or poor health	18.9%
Poor mental health	17.6%
Poor physical health	12.3%
No health insurance	16.6%
Visited doctor (checkup)	76.1%
Visited dentist	52.1%
Cholesterol screening	86.2%
Teeth loss	20.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	193	4.5%

Disability	%
Any disability	11.6%
Under 18	5.5%
18–64 years	9.9%
65 and over	29.9%

Health insurance coverage

Type	%
Private insurance	64.8%
Public insurance	41.7%
No insurance	5.6%
Uninsured under 19	1.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,156	91.2%
Spanish	130	2.5%
Other Indo-European	110	2.1%
Asian & Pacific Islander	0	0.0%
Other languages	20	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,387	95.2%
Born in same state	5,321	94.1%
Born in different state	3,216	56.9%
Foreign born	66	1.2%
Naturalized citizen	269	4.8%
Not a US citizen	106	39.4%

Ancestry

Ancestry	Count	%
Italian	861	15.2%
French	308	5.4%
Arab	276	4.9%
Polish	165	2.9%

Ancestry	Count	%
Irish	112	2%
English	89	1.6%
Dutch	33	0.6%
German	12	0.2%

Technology access

Metric	% of households
Computer access	42.6%
Internet access	95.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 46616

What city is ZIP code 46616 in?

ZIP code 46616 is primarily assigned to South Bend, Indiana.

What county is ZIP code 46616 in?

ZIP code 46616 falls within St Joseph County, Indiana.

What is the poverty rate in ZIP code 46616?

17% of residents in ZIP code 46616 live below the poverty line, above the national average.

What is the typical home value in ZIP code 46616?

The median home value in ZIP code 46616 is $109,100.

What is the population of ZIP code 46616?

ZIP code 46616 has an estimated population of 5,656 residents, with a density of 3,939 people per square mile.

What is the median household income in ZIP code 46616?

The median household income in ZIP code 46616 is $50,515, below the national median of ~$75,000.

What timezone is ZIP code 46616 in?

ZIP code 46616 observes the EST timezone.