46365 ZIP Code — Mill Creek, IN

La Porte County, Indiana

ZIP code 46365 is located in Mill Creek, Indiana, within La Porte County. It covers approximately 22.66 square miles and serves a population of 838 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 219/574.

About ZIP code 46365

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $202,700. Owner-occupancy is high at 82%, well above the national average.

Median household income is $98,095. The poverty rate of 3% is below the national average. 63% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with professional and management as the leading industry. The average commute of 34 minutes is near the national average.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

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

Notable community characteristics include disability rates above the national average at 27%.

Overall, ZIP code 46365 reflects a community defined by high homeownership and a significant Social Security-dependent population.

838

population

22.66

sq mi land

Standard

ZIP type

Central (CT)

timezone

46365 ZIP code map

Cities in ZIP code 46365

Below are the cities the US Postal Service accepts for ZIP code 46365. Using any city not on this list may result in mail delivery delays.

City	Status
Mill Creek	Preferred

Nearby ZIP codes

46371 Rolling Prairie (6 mi) 46554 North Liberty (6.7 mi) 46552 New Carlisle (7 mi) 46574 Walkerton (9.2 mi) 46350 La Porte (10.2 mi) 46619 South Bend (10.7 mi) 46628 South Bend (13 mi) 46532 Hamlet (13.1 mi) 46614 South Bend (13.8 mi) 49113 Galien (14.3 mi) 46382 Union Mills (14.6 mi) 46613 South Bend (15 mi)

Demographics updated 05/2026

Population
Total population	838
Population density	37 / sq mi
State FIPS	18
County FIPS	091

Geography
Land area	22.66 sq mi
Water area	0.33 sq mi
Latitude	41.6059
Longitude	-86.5437
Timezone	Central (CT)
Area code	219/574

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.7%	44.5%	42.9%
$50k – $100k	53.7%	32.6%	32.7%
$100k – $200k	32.6%	20.0%	19.8%
Over $200k	0.0%	2.9%	4.5%

Demographics & statistics

838

Population

People per sq mi

50.7

Median age

$98,095

Median household income

$39,532

Per capita income

$202,700

Median home value

Median monthly rent

81.6%

Home ownership

2.5%

Poverty rate

0.0%

Unemployment

261

Housing units

23.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

113

65–74

156

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	167	19.9%
18 and over	671	80.1%
65 and over	316	37.7%
Median age	50.7 years

Race & ethnicity

White 100%

Group	Count	%
White	838	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	13.7%	44.5%	42.9%
$50k – $100k	53.7%	32.6%	32.7%
$100k – $200k	32.6%	20.0%	19.8%
Over $200k	0.0%	2.9%	4.5%

Under $10k 6.6%

$25k–$35k 5.0%

$35k–$50k 3.4%

$50k–$75k 25.3%

$75k–$100k 14.7%

$100k–$150k 9.4%

$150k–$200k 32.5%

$200k+ 3.1%

Range	% of households
Under $10k	6.6%
$25k–$35k	5.0%
$35k–$50k	3.4%
$50k–$75k	25.3%
$75k–$100k	14.7%
$100k–$150k	9.4%
$150k–$200k	32.5%
$200k+	3.1%
Median income	$98,095

Housing

Home values

$50k–$100k 3.4%

$100k–$150k 18.0%

$150k–$200k 28.0%

$200k–$300k 10.7%

$300k–$500k 33.0%

$1M+ 6.9%

Housing overview

Metric	Value
Median home value	$202,700
Median rent / month	$0
Owner occupied	81.6%
Renter occupied	18.4%
Vacant	0.0%
Single-family detached	90.6%
Large apartment buildings	0.0%
Mobile homes	5.9%
Median rooms	6.7
Avg household size (owned)	2.22

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	13.8%
1990–1999	20.6%
1980–1989	3.8%
1970–1979	20.9%
1960–1969	0.0%
1950–1959	18.1%
1940–1949	5.3%
1939 or earlier	17.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	7.5%
3 bedrooms	82.8%
4 bedrooms	9.7%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	29.1%
2 vehicles	34.7%
3 or more	36.3%

Heating fuel

Fuel type	%
Utility gas	55.0%
Electricity	17.2%
Propane / LP gas	24.1%
Wood	3.8%

Households & families

Household type	Count	%
Married-couple family	230	71.9%
Cohabiting couple	0	0.0%
Male householder, no spouse	16	5.0%
Female householder, no spouse	74	23.1%
Households with children under 18	78	24.4%
Households with seniors (65+)	189	59.1%
Average household size	2.62

Marital status

Status	Male	Female
Never married	4.3%	14.7%
Married	89.9%	66.6%
Separated	0.0%	0.0%
Widowed	0.0%	5.3%
Divorced	5.8%	13.4%

Education

Less than 9th grade 4.1%

Some HS, no diploma 13.7%

HS graduate 42.5%

Some college, no degree 11.6%

Associate's degree 4.4%

Bachelor's degree 19.8%

Graduate / professional 3.9%

Metric	%
HS diploma or higher	82.3%
Bachelor's or higher	23.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	20	11.6%
Kindergarten	17	9.9%
Elementary school	103	59.9%
High school	12	7.0%
College / grad school	20	11.6%

Employment

Industry of employment

Professional & management 31.7%

Manufacturing 23.5%

Education & healthcare 22.3%

Public administration 6.6%

Arts, food & hospitality 5.2%

Construction 4.5%

Agriculture & mining 3.5%

Retail trade 2.8%

Occupation

Category	%
Management, business & arts	30.3%
Service	35.4%
Sales & office	4.5%
Natural resources & construction	7.7%
Production & transportation	22.1%

Employment type

Type	%
Private sector	77.2%
Government	9.6%
Self-employed	13.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	84.3%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	15.7%
Other means	0.0%
Avg commute (minutes)	34.4

Poverty

All people 2.5%

Under 18 years 0.0%

18 and over 3.1%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	62.5%
Retirement income	46.9%
Supplemental Security	7.2%
Cash public assistance	5.9%
Food stamps / SNAP	9.4%

Health indicators

Condition	%
Obesity	36.8%
High blood pressure	35.4%
High cholesterol	35.6%
Diabetes	10.6%
Heart disease	6.4%
Stroke	2.9%
Asthma	10.0%
Arthritis	26.5%
Kidney disease	2.7%
Pulmonary disease	8.0%
Cancer	6.5%

Behavior / access	%
Smoking	23.5%
Binge drinking	16.3%
No physical activity	25.4%
Less than 7 hrs sleep	36.7%
Depression	23.0%
Fair or poor health	15.2%
Poor mental health	15.4%
Poor physical health	11.2%
No health insurance	12.7%
Visited doctor (checkup)	73.8%
Visited dentist	64.6%
Cholesterol screening	89.5%
Teeth loss	15.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	68	10.1%

Disability	%
Any disability	26.6%
Under 18	0.0%
18–64 years	6.5%
65 and over	63.3%

Health insurance coverage

Type	%
Private insurance	80.0%
Public insurance	49.6%
No insurance	3.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	811	96.8%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	838	100.0%
Born in same state	820	97.9%
Born in different state	690	82.3%
Foreign born	18	2.1%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	130	15.5%
French	85	10.1%

Ancestry	Count	%
Arab	30	3.6%
Norwegian	15	1.8%

Technology access

Metric	% of households
Computer access	38.2%
Internet access	87.8%

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

Frequently asked questions about ZIP code 46365

What city is ZIP code 46365 in?

ZIP code 46365 is primarily assigned to Mill Creek, Indiana.

What county is ZIP code 46365 in?

ZIP code 46365 falls within La Porte County, Indiana.

Does ZIP code 46365 have an older population?

38% of residents in ZIP code 46365 are 65 or older, above the national average of ~17%.

Does ZIP code 46365 have a large retiree population?

63% of households in ZIP code 46365 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 46365 mostly owner-occupied?

82% of occupied units in ZIP code 46365 are owner-occupied, well above the national average.

Does ZIP code 46365 have a large veteran population?

10% of civilians in ZIP code 46365 are veterans, above the national average of ~7%.

What timezone is ZIP code 46365 in?

ZIP code 46365 observes the CST timezone.