46637 ZIP Code — South Bend, IN
St Joseph County, Indiana
ZIP code 46637 is located in South Bend, Indiana, within St Joseph County. It covers approximately 9.99 square miles and serves a population of 16,212 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.
About ZIP code 46637
The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $178,400. Owner-occupancy sits near the national average at 67%.
Median household income is $69,211.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.
Educational attainment is near the national average, with 38% of residents holding a bachelor's degree or higher.
16,212
population
9.99
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46637 ZIP code map
Cities in ZIP code 46637
Below are the cities the US Postal Service accepts for ZIP code 46637. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| South Bend | Acceptable |
| South Bend | Preferred |
Nearby ZIP codes
46635 South Bend (2.1 mi)
46616 South Bend (2.4 mi)
46626 South Bend (3.1 mi)
46699 South Bend (3.1 mi)
46617 South Bend (3.1 mi)
46615 South Bend (3.8 mi)
46601 South Bend (3.8 mi)
46628 South Bend (5 mi)
46613 South Bend (5.1 mi)
46545 Mishawaka (5.8 mi)
46530 Granger (6.3 mi)
46619 South Bend (7.2 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 16,212 |
| Population density | 1,623 / sq mi |
| State FIPS | 18 |
| County FIPS | 141 |
| Geography | |
|---|---|
| Land area | 9.99 sq mi |
| Water area | 0.14 sq mi |
| Latitude | 41.7274 |
| Longitude | -86.2452 |
| 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 | 36.9% | 46.1% | 42.9% |
| $50k – $100k | 36.3% | 31.7% | 32.7% |
| $100k – $200k | 22.9% | 18.0% | 19.8% |
| Over $200k | 3.8% | 4.2% | 4.5% |
Demographics & statistics
16,212
Population
1,623
People per sq mi
38.2
Median age
$69,211
Median household income
$40,022
Per capita income
$178,400
Median home value
$1,140
Median monthly rent
67.1%
Home ownership
10.8%
Poverty rate
5.9%
Unemployment
5,856
Housing units
38.2%
Bachelor's or higher
Age distribution
Male
Female
344
Under 5
335
464
5–9
452
286
10–14
279
443
15–19
431
842
20–24
820
1,438
25–34
1,399
940
35–44
915
958
45–54
931
499
55–59
485
529
60–64
515
986
65–74
959
317
75–84
309
170
85+
166
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 2,740 | 16.9% |
| 18 and over | 13,472 | 83.1% |
| 65 and over | 2,907 | 17.9% |
| Median age | 38.2 years | |
Race & ethnicity
White
71.6%
Black or African American
16.2%
Two or more races
4.3%
Asian
3.4%
Hispanic or Latino
3%
Other race
1.2%
American Indian / Alaska Native
0.4%
| Group | Count | % |
|---|---|---|
| White | 11,966 | 71.6% |
| Black or African American | 2,701 | 16.2% |
| Two or more races | 716 | 4.3% |
| Asian | 564 | 3.4% |
| Hispanic or Latino | 503 | 3% |
| Other race | 193 | 1.2% |
| American Indian / Alaska Native | 72 | 0.4% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 36.9% | 46.1% | 42.9% |
| $50k – $100k | 36.3% | 31.7% | 32.7% |
| $100k – $200k | 22.9% | 18.0% | 19.8% |
| Over $200k | 3.8% | 4.2% | 4.5% |
Under $10k
5.6%
$10k–$15k
2.2%
$15k–$25k
7.0%
$25k–$35k
7.1%
$35k–$50k
13.1%
$50k–$75k
20.3%
$75k–$100k
12.2%
$100k–$150k
21.1%
$150k–$200k
7.0%
$200k+
4.4%
| Range | % of households |
|---|---|
| Under $10k | 5.6% |
| $10k–$15k | 2.2% |
| $15k–$25k | 7.0% |
| $25k–$35k | 7.1% |
| $35k–$50k | 13.1% |
| $50k–$75k | 20.3% |
| $75k–$100k | 12.2% |
| $100k–$150k | 21.1% |
| $150k–$200k | 7.0% |
| $200k+ | 4.4% |
| Median income | $69,211 |
Housing
Home values
Under $50k
2.9%
$50k–$100k
8.2%
$100k–$150k
24.9%
$150k–$200k
26.9%
$200k–$300k
22.8%
$300k–$500k
9.7%
$500k–$1M
4.1%
$1M+
0.5%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $178,400 |
| Median rent / month | $1,140 |
| Owner occupied | 67.1% |
| Renter occupied | 32.9% |
| Vacant | 11.1% |
| Single-family detached | 64.9% |
| Large apartment buildings | 9.7% |
| Mobile homes | 0.2% |
| Median rooms | 5.4 |
| Avg household size (owned) | 2.24 |
Year built
| Era | % |
|---|---|
| 2020 or later | 1.4% |
| 2010–2019 | 7.1% |
| 2000–2009 | 10.3% |
| 1990–1999 | 8.9% |
| 1980–1989 | 14.4% |
| 1970–1979 | 17.9% |
| 1960–1969 | 14.1% |
| 1950–1959 | 11.1% |
| 1940–1949 | 6.8% |
| 1939 or earlier | 8.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.5% |
| 1 bedroom | 13.4% |
| 2 bedrooms | 27.7% |
| 3 bedrooms | 35.5% |
| 4 bedrooms | 20.3% |
| 5+ bedrooms | 1.6% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.1% |
| 1 vehicle | 37.9% |
| 2 vehicles | 35.7% |
| 3 or more | 22.3% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 69.3% |
| Electricity | 29.5% |
| Propane / LP gas | 0.7% |
| Wood | 0.4% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 3,149 | 42.8% |
| Cohabiting couple | 668 | 9.1% |
| Male householder, no spouse | 1,657 | 22.5% |
| Female householder, no spouse | 1,878 | 25.5% |
| Households with children under 18 | 1,660 | 22.6% |
| Households with seniors (65+) | 2,039 | 27.7% |
| Average household size | 2.16 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 42.3% | 34.4% |
| Married | 47.4% | 45.3% |
| Separated | 0.2% | 2.3% |
| Widowed | 1.8% | 6.7% |
| Divorced | 8.3% | 11.3% |
Education
Less than 9th grade
0.8%
Some HS, no diploma
4.8%
HS graduate
22.2%
Some college, no degree
24.4%
Associate's degree
9.7%
Bachelor's degree
19.1%
Graduate / professional
19.1%
| Metric | % |
|---|---|
| HS diploma or higher | 94.4% |
| Bachelor's or higher | 38.2% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 253 | 6.0% |
| Kindergarten | 155 | 3.7% |
| Elementary school | 1,205 | 28.7% |
| High school | 615 | 14.6% |
| College / grad school | 1,971 | 46.9% |
Employment
Industry of employment
Education & healthcare
37.1%
Manufacturing
12.7%
Retail trade
12.1%
Professional & management
8.1%
Other services
7.1%
Arts, food & hospitality
6.9%
Finance & real estate
4.6%
Transportation & utilities
3.9%
Construction
3.1%
Public administration
1.5%
Information
1.3%
Wholesale trade
1.2%
Agriculture & mining
0.2%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 48.7% |
| Service | 16.7% |
| Sales & office | 15.6% |
| Natural resources & construction | 5.3% |
| Production & transportation | 13.6% |
Employment type
| Type | % |
|---|---|
| Private sector | 87.0% |
| Government | 9.6% |
| Self-employed | 3.4% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 76.1% |
| Carpool | 8.0% |
| Public transit | 0.7% |
| Walk | 4.1% |
| Work from home | 8.8% |
| Other means | 2.2% |
| Avg commute (minutes) | 20.6 |
Poverty
All people
10.8%
Under 18 years
11.7%
18 and over
10.7%
Married-couple families
1.3%
Female-led households
37.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 27.0% |
| Retirement income | 25.1% |
| Supplemental Security | 3.1% |
| Cash public assistance | 2.9% |
| Food stamps / SNAP | 6.2% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 33.0% |
| High blood pressure | 31.8% |
| High cholesterol | 30.2% |
| Diabetes | 9.5% |
| Heart disease | 6.3% |
| Stroke | 2.9% |
| Asthma | 9.2% |
| Arthritis | 22.8% |
| Kidney disease | 2.8% |
| Pulmonary disease | 6.8% |
| Cancer | 6.6% |
| Behavior / access | % |
|---|---|
| Smoking | 16.6% |
| Binge drinking | 15.9% |
| No physical activity | 22.4% |
| Less than 7 hrs sleep | 30.1% |
| Depression | 21.2% |
| Fair or poor health | 13.4% |
| Poor mental health | 15.2% |
| Poor physical health | 9.6% |
| No health insurance | 12.5% |
| Visited doctor (checkup) | 76.2% |
| Visited dentist | 62.7% |
| Cholesterol screening | 87.5% |
| Teeth loss | 14.1% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,032 | 7.7% |
| Disability | % |
|---|---|
| Any disability | 11.2% |
| Under 18 | 7.6% |
| 18–64 years | 10.0% |
| 65 and over | 19.8% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 75.2% |
| Public insurance | 31.4% |
| No insurance | 5.4% |
| Uninsured under 19 | 1.8% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 15,533 | 95.8% |
| Spanish | 356 | 2.3% |
| Other Indo-European | 75 | 0.5% |
| Asian & Pacific Islander | 71 | 0.5% |
| Other languages | 186 | 1.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 14,817 | 91.4% |
| Born in same state | 14,716 | 90.8% |
| Born in different state | 9,268 | 57.2% |
| Foreign born | 101 | 0.6% |
| Naturalized citizen | 1,395 | 8.6% |
| Not a US citizen | 613 | 43.9% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 2,288 | 14.1% |
| French | 1,246 | 7.7% |
| English | 425 | 2.6% |
| Arab | 298 | 1.8% |
| Irish | 239 | 1.5% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 110 | 0.7% |
| German | 54 | 0.3% |
| Norwegian | 23 | 0.1% |
| Dutch | 23 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 45.3% |
| Internet access | 96.7% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 46637
What city is ZIP code 46637 in?
ZIP code 46637 is primarily assigned to South Bend, Indiana.
What county is ZIP code 46637 in?
ZIP code 46637 falls within St Joseph County, Indiana.
What is the typical home value in ZIP code 46637?
The median home value in ZIP code 46637 is $178,400.
What is the population of ZIP code 46637?
ZIP code 46637 has an estimated population of 16,212 residents, with a density of 1,622 people per square mile.
What is the median household income in ZIP code 46637?
The median household income in ZIP code 46637 is $69,211, below the national median of ~$75,000.
What timezone is ZIP code 46637 in?
ZIP code 46637 observes the EST timezone.