46540 ZIP Code — Middlebury, IN

Elkhart County, Indiana

ZIP code 46540 is located in Middlebury, Indiana, within Elkhart County. It covers approximately 59.38 square miles and serves a population of 13,131 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46540

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $300,400. Owner-occupancy is high at 88%, well above the national average.

Median household income is $99,328. The poverty rate of 4% is below the national average.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 18 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. 31% of residents lack health insurance, above the national average.

13,131

population

59.38

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46540 ZIP code map

Cities in ZIP code 46540

Below are the cities the US Postal Service accepts for ZIP code 46540. Using any city not on this list may result in mail delivery delays.

City	Status
Middlebury	Preferred

Nearby ZIP codes

46507 Bristol (6.1 mi) 46565 Shipshewana (6.9 mi) 46528 Goshen (7.1 mi) 49099 White Pigeon (8.4 mi) 46543 Millersburg (10.2 mi) 49130 Union (10.8 mi) 46571 Topeka (10.9 mi) 46526 Goshen (11.5 mi) 49042 Constantine (12.2 mi) 46516 Elkhart (13.5 mi) 46514 Elkhart (14.1 mi) 46517 Elkhart (14.9 mi)

Demographics updated 05/2026

Population
Total population	13,131
Population density	221 / sq mi
State FIPS	18
County FIPS	039

Geography
Land area	59.38 sq mi
Water area	0.52 sq mi
Latitude	41.6775
Longitude	-85.7051
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	22.6%	42.0%	42.9%
$50k – $100k	40.9%	34.8%	32.7%
$100k – $200k	27.9%	19.5%	19.8%
Over $200k	8.6%	3.6%	4.5%

Demographics & statistics

13,131

Population

221

People per sq mi

33.8

Median age

$99,328

Median household income

$39,567

Per capita income

$300,400

Median home value

$1,048

Median monthly rent

87.6%

Home ownership

4.2%

Poverty rate

3.4%

Unemployment

3,730

Housing units

20.6%

Bachelor's or higher

Age distribution

Male Female

619

Under 5

542

538

5–9

472

603

10–14

528

652

15–19

570

524

20–24

459

625

25–34

547

929

35–44

814

821

45–54

718

536

55–59

469

303

60–64

266

628

65–74

549

152

75–84

134

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	4,102	31.2%
18 and over	9,029	68.8%
65 and over	1,596	12.2%
Median age	33.8 years

Race & ethnicity

White 93.1%

Two or more races 2.9%

Hispanic or Latino 1.6%

Black or African American 1.3%

Asian 0.6%

Other race 0.4%

American Indian / Alaska Native 0.1%

Group	Count	%
White	12,420	93.1%
Two or more races	387	2.9%
Hispanic or Latino	209	1.6%
Black or African American	172	1.3%
Asian	85	0.6%
Other race	59	0.4%
American Indian / Alaska Native	8	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.6%	42.0%	42.9%
$50k – $100k	40.9%	34.8%	32.7%
$100k – $200k	27.9%	19.5%	19.8%
Over $200k	8.6%	3.6%	4.5%

Under $10k 1.3%

$10k–$15k 2.9%

$15k–$25k 1.8%

$25k–$35k 6.8%

$35k–$50k 9.7%

$50k–$75k 13.6%

$75k–$100k 14.3%

$100k–$150k 24.4%

$150k–$200k 9.2%

$200k+ 16.0%

Range	% of households
Under $10k	1.3%
$10k–$15k	2.9%
$15k–$25k	1.8%
$25k–$35k	6.8%
$35k–$50k	9.7%
$50k–$75k	13.6%
$75k–$100k	14.3%
$100k–$150k	24.4%
$150k–$200k	9.2%
$200k+	16.0%
Median income	$99,328

Housing

Home values

Under $50k 2.9%

$50k–$100k 3.7%

$100k–$150k 4.3%

$150k–$200k 14.8%

$200k–$300k 24.3%

$300k–$500k 31.3%

$500k–$1M 13.9%

$1M+ 4.8%

Housing overview

Metric	Value
Median home value	$300,400
Median rent / month	$1,048
Owner occupied	87.6%
Renter occupied	12.4%
Vacant	4.3%
Single-family detached	84.8%
Large apartment buildings	0.3%
Mobile homes	7.3%
Median rooms	7.1
Avg household size (owned)	3.18

Year built

Era	%
2020 or later	0.9%
2010–2019	11.1%
2000–2009	18.9%
1990–1999	16.7%
1980–1989	12.3%
1970–1979	16.3%
1960–1969	6.7%
1950–1959	5.6%
1940–1949	1.5%
1939 or earlier	10.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	3.3%
2 bedrooms	13.4%
3 bedrooms	41.5%
4 bedrooms	23.4%
5+ bedrooms	18.1%

Vehicles per household

Vehicles	% of households
No vehicle	18.2%
1 vehicle	13.1%
2 vehicles	35.8%
3 or more	32.9%

Heating fuel

Fuel type	%
Utility gas	79.1%
Electricity	8.2%
Propane / LP gas	5.6%
Wood	6.6%

Households & families

Household type	Count	%
Married-couple family	2,867	70.8%
Cohabiting couple	151	3.7%
Male householder, no spouse	498	12.3%
Female householder, no spouse	534	13.2%
Households with children under 18	1,642	40.5%
Households with seniors (65+)	1,148	28.3%
Average household size	3.24

Marital status

Status	Male	Female
Never married	32.7%	24.9%
Married	57.4%	61.5%
Separated	1.5%	3.0%
Widowed	0.6%	4.8%
Divorced	7.8%	5.9%

Education

Less than 9th grade 23.7%

Some HS, no diploma 4.5%

HS graduate 28.7%

Some college, no degree 16.9%

Associate's degree 5.6%

Bachelor's degree 12.9%

Graduate / professional 7.7%

Metric	%
HS diploma or higher	71.8%
Bachelor's or higher	20.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	92	3.3%
Kindergarten	161	5.9%
Elementary school	1,573	57.3%
High school	780	28.4%
College / grad school	141	5.1%

Employment

Industry of employment

Manufacturing 43.2%

Education & healthcare 14.3%

Retail trade 12.4%

Construction 5.1%

Arts, food & hospitality 4.9%

Professional & management 3.6%

Other services 3.3%

Finance & real estate 3.2%

Public administration 3.1%

Transportation & utilities 2.8%

Wholesale trade 2.0%

Agriculture & mining 1.8%

Information 0.4%

Occupation

Category	%
Management, business & arts	26.7%
Service	11.5%
Sales & office	23.7%
Natural resources & construction	7.3%
Production & transportation	30.8%

Employment type

Type	%
Private sector	85.3%
Government	9.2%
Self-employed	5.3%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	63.8%
Carpool	18.0%
Public transit	0.0%
Walk	0.9%
Work from home	7.5%
Other means	9.9%
Avg commute (minutes)	17.7

Poverty

All people 4.2%

Under 18 years 1.9%

18 and over 5.2%

Married-couple families 2.2%

Female-led households 1.6%

Income support

Source	% of households
Social Security	27.0%
Retirement income	16.1%
Supplemental Security	1.6%
Cash public assistance	1.6%
Food stamps / SNAP	1.5%

Health indicators

Condition	%
Obesity	34.6%
High blood pressure	30.6%
High cholesterol	33.0%
Diabetes	9.4%
Heart disease	5.9%
Stroke	2.8%
Asthma	10.1%
Arthritis	22.7%
Kidney disease	2.6%
Pulmonary disease	8.0%
Cancer	6.2%

Behavior / access	%
Smoking	22.1%
Binge drinking	17.4%
No physical activity	25.2%
Less than 7 hrs sleep	33.7%
Depression	23.9%
Fair or poor health	15.6%
Poor mental health	16.5%
Poor physical health	10.9%
No health insurance	15.5%
Visited doctor (checkup)	71.8%
Visited dentist	63.5%
Cholesterol screening	86.5%
Teeth loss	18.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	471	5.2%

Disability	%
Any disability	8.3%
Under 18	2.3%
18–64 years	7.4%
65 and over	28.1%

Health insurance coverage

Type	%
Private insurance	57.4%
Public insurance	19.1%
No insurance	30.9%
Uninsured under 19	39.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,970	91.2%
Spanish	1,267	10.6%
Other Indo-European	0	0.0%
Asian & Pacific Islander	1,267	10.6%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,925	98.4%
Born in same state	12,864	98.0%
Born in different state	10,042	76.5%
Foreign born	61	0.5%
Naturalized citizen	206	1.6%
Not a US citizen	95	46.1%

Ancestry

Ancestry	Count	%
Arab	1,667	12.7%
French	1,092	8.3%
Italian	547	4.2%
English	326	2.5%

Ancestry	Count	%
Polish	64	0.5%
German	24	0.2%
Irish	23	0.2%
Norwegian	9	0.1%

Technology access

Metric	% of households
Computer access	30.8%
Internet access	81.7%

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

Frequently asked questions about ZIP code 46540

What city is ZIP code 46540 in?

ZIP code 46540 is primarily assigned to Middlebury, Indiana.

What county is ZIP code 46540 in?

ZIP code 46540 falls within Elkhart County, Indiana.

Is ZIP code 46540 family-oriented?

31% of residents in ZIP code 46540 are under 18, reflecting a younger, family-oriented community.

Is ZIP code 46540 mostly owner-occupied?

88% of occupied units in ZIP code 46540 are owner-occupied, well above the national average.

What is the population of ZIP code 46540?

ZIP code 46540 has an estimated population of 13,131 residents, with a density of 221 people per square mile.

What is the median household income in ZIP code 46540?

The median household income in ZIP code 46540 is $99,328, above the national median of ~$75,000.

What timezone is ZIP code 46540 in?

ZIP code 46540 observes the EST timezone.