46514 ZIP Code — Elkhart, IN
Elkhart County, Indiana
ZIP code 46514 is located in Elkhart, Indiana, within Elkhart County. It covers approximately 38.69 square miles and serves a population of 41,248 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.
About ZIP code 46514
The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $167,600. Owner-occupancy sits near the national average at 73%.
Median household income is $60,300. 33% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 19 minutes is near the national average.
College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of smoking (22%) compared to national benchmarks.
41,248
population
38.69
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46514 ZIP code map
Cities in ZIP code 46514
Below are the cities the US Postal Service accepts for ZIP code 46514. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Elkhart | Preferred |
Nearby ZIP codes
46516 Elkhart (3.7 mi)
46561 Osceola (6.4 mi)
46517 Elkhart (7 mi)
49112 Edwardsburg (7.3 mi)
49130 Union (7.5 mi)
46530 Granger (7.8 mi)
46507 Bristol (8.1 mi)
46545 Mishawaka (8.9 mi)
46544 Mishawaka (10.9 mi)
46635 South Bend (12 mi)
49031 Cassopolis (12.7 mi)
46526 Goshen (12.7 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 41,248 |
| Population density | 1,066 / sq mi |
| State FIPS | 18 |
| County FIPS | 039 |
| Geography | |
|---|---|
| Land area | 38.69 sq mi |
| Water area | 1.75 sq mi |
| Latitude | 41.7178 |
| Longitude | -85.9728 |
| Timezone | Eastern (ET) |
| Area code | 574 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 46.7% | 42.0% | 42.9% |
| $50k – $100k | 31.9% | 34.8% | 32.7% |
| $100k – $200k | 18.9% | 19.5% | 19.8% |
| Over $200k | 2.6% | 3.6% | 4.5% |
Demographics & statistics
41,248
Population
1,066
People per sq mi
39.7
Median age
$60,300
Median household income
$32,570
Per capita income
$167,600
Median home value
$1,017
Median monthly rent
73.2%
Home ownership
11.0%
Poverty rate
3.5%
Unemployment
13,509
Housing units
20.5%
Bachelor's or higher
Age distribution
Male
Female
1,297
Under 5
1,325
1,348
5–9
1,376
1,312
10–14
1,340
1,170
15–19
1,196
1,326
20–24
1,354
2,759
25–34
2,819
2,182
35–44
2,229
2,519
45–54
2,574
1,405
55–59
1,436
1,415
60–64
1,445
1,931
65–74
1,972
1,123
75–84
1,147
617
85+
631
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 9,658 | 23.4% |
| 18 and over | 31,590 | 76.6% |
| 65 and over | 7,421 | 18.0% |
| Median age | 39.7 years | |
Race & ethnicity
White
77%
Two or more races
6.2%
Black or African American
5.5%
Hispanic or Latino
5.3%
Other race
4.1%
Asian
1.4%
American Indian / Alaska Native
0.4%
| Group | Count | % |
|---|---|---|
| White | 33,556 | 77% |
| Two or more races | 2,721 | 6.2% |
| Black or African American | 2,404 | 5.5% |
| Hispanic or Latino | 2,319 | 5.3% |
| Other race | 1,788 | 4.1% |
| Asian | 614 | 1.4% |
| American Indian / Alaska Native | 165 | 0.4% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 46.7% | 42.0% | 42.9% |
| $50k – $100k | 31.9% | 34.8% | 32.7% |
| $100k – $200k | 18.9% | 19.5% | 19.8% |
| Over $200k | 2.6% | 3.6% | 4.5% |
Under $10k
4.5%
$10k–$15k
2.3%
$15k–$25k
8.3%
$25k–$35k
9.1%
$35k–$50k
15.9%
$50k–$75k
20.1%
$75k–$100k
12.9%
$100k–$150k
17.1%
$150k–$200k
4.9%
$200k+
4.9%
| Range | % of households |
|---|---|
| Under $10k | 4.5% |
| $10k–$15k | 2.3% |
| $15k–$25k | 8.3% |
| $25k–$35k | 9.1% |
| $35k–$50k | 15.9% |
| $50k–$75k | 20.1% |
| $75k–$100k | 12.9% |
| $100k–$150k | 17.1% |
| $150k–$200k | 4.9% |
| $200k+ | 4.9% |
| Median income | $60,300 |
Housing
Home values
Under $50k
8.0%
$50k–$100k
14.2%
$100k–$150k
20.7%
$150k–$200k
19.5%
$200k–$300k
24.4%
$300k–$500k
9.0%
$500k–$1M
3.7%
$1M+
0.7%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $167,600 |
| Median rent / month | $1,017 |
| Owner occupied | 73.2% |
| Renter occupied | 26.8% |
| Vacant | 9.5% |
| Single-family detached | 69.2% |
| Large apartment buildings | 3.9% |
| Mobile homes | 9.6% |
| Median rooms | 5.8 |
| Avg household size (owned) | 2.57 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.3% |
| 2010–2019 | 3.8% |
| 2000–2009 | 9.0% |
| 1990–1999 | 18.3% |
| 1980–1989 | 11.0% |
| 1970–1979 | 16.4% |
| 1960–1969 | 12.5% |
| 1950–1959 | 12.3% |
| 1940–1949 | 4.4% |
| 1939 or earlier | 12.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.4% |
| 1 bedroom | 8.1% |
| 2 bedrooms | 28.8% |
| 3 bedrooms | 46.7% |
| 4 bedrooms | 14.2% |
| 5+ bedrooms | 1.8% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.6% |
| 1 vehicle | 35.9% |
| 2 vehicles | 38.7% |
| 3 or more | 20.9% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 83.6% |
| Electricity | 14.5% |
| Propane / LP gas | 1.0% |
| Wood | 0.5% |
| No fuel used | 0.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 7,251 | 44.9% |
| Cohabiting couple | 1,089 | 6.7% |
| Male householder, no spouse | 3,318 | 20.6% |
| Female householder, no spouse | 4,486 | 27.8% |
| Households with children under 18 | 4,529 | 28.1% |
| Households with seniors (65+) | 5,092 | 31.5% |
| Average household size | 2.54 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 31.7% | 27.6% |
| Married | 47.8% | 44.8% |
| Separated | 2.0% | 1.6% |
| Widowed | 3.8% | 12.0% |
| Divorced | 14.6% | 14.0% |
Education
Less than 9th grade
5.5%
Some HS, no diploma
9.2%
HS graduate
35.6%
Some college, no degree
21.6%
Associate's degree
7.6%
Bachelor's degree
13.9%
Graduate / professional
6.5%
| Metric | % |
|---|---|
| HS diploma or higher | 85.3% |
| Bachelor's or higher | 20.5% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 409 | 4.8% |
| Kindergarten | 539 | 6.3% |
| Elementary school | 4,136 | 48.2% |
| High school | 2,407 | 28.0% |
| College / grad school | 1,094 | 12.7% |
Employment
Industry of employment
Manufacturing
33.7%
Education & healthcare
20.0%
Retail trade
8.5%
Arts, food & hospitality
6.7%
Professional & management
6.6%
Construction
5.2%
Wholesale trade
4.8%
Other services
4.3%
Transportation & utilities
3.7%
Finance & real estate
3.2%
Public administration
1.8%
Information
0.9%
Agriculture & mining
0.6%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 29.6% |
| Service | 14.7% |
| Sales & office | 21.0% |
| Natural resources & construction | 8.2% |
| Production & transportation | 26.5% |
Employment type
| Type | % |
|---|---|
| Private sector | 85.3% |
| Government | 9.6% |
| Self-employed | 5.1% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 81.8% |
| Carpool | 11.3% |
| Public transit | 0.1% |
| Walk | 2.0% |
| Work from home | 3.6% |
| Other means | 1.1% |
| Avg commute (minutes) | 19.4 |
Poverty
All people
11.0%
Under 18 years
16.3%
18 and over
9.4%
Married-couple families
4.3%
Female-led households
28.7%
Income support
| Source | % of households |
|---|---|
| Social Security | 32.5% |
| Retirement income | 20.1% |
| Supplemental Security | 5.8% |
| Cash public assistance | 1.7% |
| Food stamps / SNAP | 6.0% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 37.5% |
| High blood pressure | 34.9% |
| High cholesterol | 33.5% |
| Diabetes | 11.7% |
| Heart disease | 7.1% |
| Stroke | 3.5% |
| Asthma | 10.2% |
| Arthritis | 25.6% |
| Kidney disease | 3.2% |
| Pulmonary disease | 9.1% |
| Cancer | 6.8% |
| Behavior / access | % |
|---|---|
| Smoking | 21.9% |
| Binge drinking | 15.3% |
| No physical activity | 28.2% |
| Less than 7 hrs sleep | 34.8% |
| Depression | 22.7% |
| Fair or poor health | 18.0% |
| Poor mental health | 16.0% |
| Poor physical health | 12.2% |
| No health insurance | 16.0% |
| Visited doctor (checkup) | 74.5% |
| Visited dentist | 61.1% |
| Cholesterol screening | 87.7% |
| Teeth loss | 18.7% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 2,035 | 6.4% |
| Disability | % |
|---|---|
| Any disability | 16.2% |
| Under 18 | 7.1% |
| 18–64 years | 13.6% |
| 65 and over | 37.4% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 67.5% |
| Public insurance | 37.5% |
| No insurance | 7.6% |
| Uninsured under 19 | 5.9% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 38,626 | 93.6% |
| Spanish | 1,206 | 3.1% |
| Other Indo-European | 985 | 2.6% |
| Asian & Pacific Islander | 153 | 0.4% |
| Other languages | 68 | 0.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 39,180 | 95.0% |
| Born in same state | 38,602 | 93.6% |
| Born in different state | 27,284 | 66.1% |
| Foreign born | 578 | 1.4% |
| Naturalized citizen | 2,068 | 5.0% |
| Not a US citizen | 1,288 | 62.3% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 4,469 | 10.8% |
| Italian | 3,426 | 8.3% |
| Arab | 2,828 | 6.9% |
| English | 950 | 2.3% |
| Irish | 432 | 1% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 198 | 0.5% |
| Dutch | 116 | 0.3% |
| German | 90 | 0.2% |
| Norwegian | 18 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 39.1% |
| Internet access | 93.8% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 46514
What city is ZIP code 46514 in?
ZIP code 46514 is primarily assigned to Elkhart, Indiana.
What county is ZIP code 46514 in?
ZIP code 46514 falls within Elkhart County, Indiana.
What is the typical home value in ZIP code 46514?
The median home value in ZIP code 46514 is $167,600.
What is the population of ZIP code 46514?
ZIP code 46514 has an estimated population of 41,248 residents, with a density of 1,066 people per square mile.
What is the median household income in ZIP code 46514?
The median household income in ZIP code 46514 is $60,300, below the national median of ~$75,000.
What timezone is ZIP code 46514 in?
ZIP code 46514 observes the EST timezone.