46516 ZIP Code — Elkhart, IN
Elkhart County, Indiana
ZIP code 46516 is located in Elkhart, Indiana, within Elkhart County. It covers approximately 17.50 square miles and serves a population of 30,993 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.
About ZIP code 46516
The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $135,100. Owner-occupancy sits near the national average at 61%.
Median household income is $52,970.
The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 19 minutes is near the national average.
College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of smoking (24%) compared to national benchmarks.
30,993
population
17.50
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46516 ZIP code map
Cities in ZIP code 46516
Below are the cities the US Postal Service accepts for ZIP code 46516. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Elkhart | Preferred |
Nearby ZIP codes
46517 Elkhart (3.4 mi)
46514 Elkhart (3.7 mi)
46561 Osceola (5.7 mi)
46507 Bristol (8.4 mi)
46545 Mishawaka (9.3 mi)
46530 Granger (9.4 mi)
46526 Goshen (9.4 mi)
46544 Mishawaka (9.4 mi)
46573 Wakarusa (9.7 mi)
49130 Union (10 mi)
46528 Goshen (10.3 mi)
49112 Edwardsburg (10.9 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 30,993 |
| Population density | 1,771 / sq mi |
| State FIPS | 18 |
| County FIPS | 039 |
| Geography | |
|---|---|
| Land area | 17.50 sq mi |
| Water area | 0.86 sq mi |
| Latitude | 41.6650 |
| Longitude | -85.9657 |
| 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 | 51.5% | 42.0% | 42.9% |
| $50k – $100k | 32.9% | 34.8% | 32.7% |
| $100k – $200k | 13.3% | 19.5% | 19.8% |
| Over $200k | 2.3% | 3.6% | 4.5% |
Demographics & statistics
30,993
Population
1,771
People per sq mi
37.0
Median age
$52,970
Median household income
$28,229
Per capita income
$135,100
Median home value
$879
Median monthly rent
61.1%
Home ownership
17.5%
Poverty rate
5.0%
Unemployment
9,174
Housing units
16.8%
Bachelor's or higher
Age distribution
Male
Female
1,190
Under 5
1,176
871
5–9
861
1,587
10–14
1,569
825
15–19
815
879
20–24
868
2,068
25–34
2,043
1,988
35–44
1,965
2,130
45–54
2,104
1,048
55–59
1,035
953
60–64
942
1,446
65–74
1,429
415
75–84
411
189
85+
186
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 8,350 | 26.9% |
| 18 and over | 22,643 | 73.1% |
| 65 and over | 4,076 | 13.2% |
| Median age | 37.0 years | |
Race & ethnicity
White
64.4%
Hispanic or Latino
11.5%
Black or African American
9.1%
Other race
8.1%
Two or more races
5.4%
Asian
1.2%
Native Hawaiian / Pacific Islander
0.2%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 22,535 | 64.4% |
| Hispanic or Latino | 4,022 | 11.5% |
| Black or African American | 3,196 | 9.1% |
| Other race | 2,829 | 8.1% |
| Two or more races | 1,885 | 5.4% |
| Asian | 435 | 1.2% |
| Native Hawaiian / Pacific Islander | 83 | 0.2% |
| American Indian / Alaska Native | 30 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 51.5% | 42.0% | 42.9% |
| $50k – $100k | 32.9% | 34.8% | 32.7% |
| $100k – $200k | 13.3% | 19.5% | 19.8% |
| Over $200k | 2.3% | 3.6% | 4.5% |
Under $10k
9.3%
$10k–$15k
5.9%
$15k–$25k
7.0%
$25k–$35k
10.2%
$35k–$50k
15.3%
$50k–$75k
16.3%
$75k–$100k
14.5%
$100k–$150k
13.6%
$150k–$200k
3.6%
$200k+
4.2%
| Range | % of households |
|---|---|
| Under $10k | 9.3% |
| $10k–$15k | 5.9% |
| $15k–$25k | 7.0% |
| $25k–$35k | 10.2% |
| $35k–$50k | 15.3% |
| $50k–$75k | 16.3% |
| $75k–$100k | 14.5% |
| $100k–$150k | 13.6% |
| $150k–$200k | 3.6% |
| $200k+ | 4.2% |
| Median income | $52,970 |
Housing
Home values
Under $50k
5.2%
$50k–$100k
28.8%
$100k–$150k
22.3%
$150k–$200k
21.2%
$200k–$300k
13.7%
$300k–$500k
6.2%
$500k–$1M
2.4%
$1M+
0.2%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $135,100 |
| Median rent / month | $879 |
| Owner occupied | 61.1% |
| Renter occupied | 38.9% |
| Vacant | 14.7% |
| Single-family detached | 65.9% |
| Large apartment buildings | 9.1% |
| Mobile homes | 3.5% |
| Median rooms | 5.7 |
| Avg household size (owned) | 2.81 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 2.4% |
| 2000–2009 | 5.7% |
| 1990–1999 | 10.3% |
| 1980–1989 | 10.9% |
| 1970–1979 | 12.0% |
| 1960–1969 | 11.3% |
| 1950–1959 | 12.9% |
| 1940–1949 | 7.7% |
| 1939 or earlier | 26.8% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.7% |
| 1 bedroom | 12.7% |
| 2 bedrooms | 24.9% |
| 3 bedrooms | 40.3% |
| 4 bedrooms | 15.8% |
| 5+ bedrooms | 3.5% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 9.5% |
| 1 vehicle | 34.5% |
| 2 vehicles | 36.7% |
| 3 or more | 19.2% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 82.3% |
| Electricity | 15.6% |
| Propane / LP gas | 1.4% |
| Wood | 0.4% |
| No fuel used | 0.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 4,458 | 38.1% |
| Cohabiting couple | 742 | 6.3% |
| Male householder, no spouse | 2,878 | 24.6% |
| Female householder, no spouse | 3,628 | 31.0% |
| Households with children under 18 | 3,477 | 29.7% |
| Households with seniors (65+) | 2,906 | 24.8% |
| Average household size | 2.63 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 32.8% | 29.1% |
| Married | 44.1% | 40.2% |
| Separated | 2.1% | 2.9% |
| Widowed | 2.7% | 6.6% |
| Divorced | 18.3% | 21.2% |
Education
Less than 9th grade
5.3%
Some HS, no diploma
12.4%
HS graduate
38.9%
Some college, no degree
20.0%
Associate's degree
6.6%
Bachelor's degree
11.4%
Graduate / professional
5.4%
| Metric | % |
|---|---|
| HS diploma or higher | 82.3% |
| Bachelor's or higher | 16.8% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 348 | 4.9% |
| Kindergarten | 413 | 5.8% |
| Elementary school | 4,002 | 56.0% |
| High school | 1,453 | 20.3% |
| College / grad school | 925 | 13.0% |
Employment
Industry of employment
Manufacturing
39.0%
Education & healthcare
17.9%
Retail trade
10.3%
Arts, food & hospitality
6.4%
Professional & management
5.6%
Transportation & utilities
3.9%
Other services
3.8%
Construction
3.7%
Wholesale trade
3.7%
Finance & real estate
2.8%
Public administration
2.2%
Information
0.8%
Agriculture & mining
0.1%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 24.2% |
| Service | 16.9% |
| Sales & office | 15.8% |
| Natural resources & construction | 7.2% |
| Production & transportation | 35.8% |
Employment type
| Type | % |
|---|---|
| Private sector | 87.0% |
| Government | 9.4% |
| Self-employed | 3.6% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 79.7% |
| Carpool | 14.7% |
| Public transit | 0.3% |
| Walk | 2.7% |
| Work from home | 1.7% |
| Other means | 0.9% |
| Avg commute (minutes) | 19.0 |
Poverty
All people
17.5%
Under 18 years
28.3%
18 and over
13.7%
Married-couple families
5.5%
Female-led households
23.4%
Income support
| Source | % of households |
|---|---|
| Social Security | 26.6% |
| Retirement income | 14.9% |
| Supplemental Security | 8.2% |
| Cash public assistance | 3.7% |
| Food stamps / SNAP | 14.7% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 40.6% |
| High blood pressure | 34.3% |
| High cholesterol | 31.2% |
| Diabetes | 12.2% |
| Heart disease | 6.4% |
| Stroke | 3.5% |
| Asthma | 10.8% |
| Arthritis | 23.5% |
| Kidney disease | 3.1% |
| Pulmonary disease | 8.8% |
| Cancer | 5.5% |
| Behavior / access | % |
|---|---|
| Smoking | 24.4% |
| Binge drinking | 15.5% |
| No physical activity | 31.3% |
| Less than 7 hrs sleep | 37.3% |
| Depression | 23.0% |
| Fair or poor health | 20.6% |
| Poor mental health | 17.4% |
| Poor physical health | 12.9% |
| No health insurance | 20.4% |
| Visited doctor (checkup) | 73.5% |
| Visited dentist | 55.7% |
| Cholesterol screening | 85.6% |
| Teeth loss | 21.5% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,561 | 6.9% |
| Disability | % |
|---|---|
| Any disability | 15.7% |
| Under 18 | 7.6% |
| 18–64 years | 15.7% |
| 65 and over | 32.9% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 55.6% |
| Public insurance | 41.7% |
| No insurance | 11.7% |
| Uninsured under 19 | 7.7% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 28,627 | 92.4% |
| Spanish | 2,548 | 8.9% |
| Other Indo-European | 2,388 | 8.3% |
| Asian & Pacific Islander | 66 | 0.2% |
| Other languages | 63 | 0.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 26,755 | 86.3% |
| Born in same state | 26,246 | 84.7% |
| Born in different state | 18,907 | 61.0% |
| Foreign born | 509 | 1.6% |
| Naturalized citizen | 4,238 | 13.7% |
| Not a US citizen | 1,636 | 38.6% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 2,608 | 8.4% |
| French | 2,247 | 7.3% |
| Arab | 1,860 | 6% |
| English | 533 | 1.7% |
| German | 149 | 0.5% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 115 | 0.4% |
| Irish | 88 | 0.3% |
| Norwegian | 20 | 0.1% |
| Dutch | 15 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 37.8% |
| Internet access | 91.5% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 46516
What city is ZIP code 46516 in?
ZIP code 46516 is primarily assigned to Elkhart, Indiana.
What county is ZIP code 46516 in?
ZIP code 46516 falls within Elkhart County, Indiana.
What is the poverty rate in ZIP code 46516?
18% of residents in ZIP code 46516 live below the poverty line, above the national average.
What is the typical home value in ZIP code 46516?
The median home value in ZIP code 46516 is $135,100.
What is the population of ZIP code 46516?
ZIP code 46516 has an estimated population of 30,993 residents, with a density of 1,771 people per square mile.
What is the median household income in ZIP code 46516?
The median household income in ZIP code 46516 is $52,970, below the national median of ~$75,000.
What timezone is ZIP code 46516 in?
ZIP code 46516 observes the EST timezone.