46544 ZIP Code — Mishawaka, IN
St Joseph County, Indiana
ZIP code 46544 is located in Mishawaka, Indiana, within St Joseph County. It covers approximately 39.79 square miles and serves a population of 30,817 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.
About ZIP code 46544
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 $138,600. Owner-occupancy sits near the national average at 66%.
Median household income is $59,024. 33% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 22 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 (22%) compared to national benchmarks.
30,817
population
39.79
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46544 ZIP code map
Cities in ZIP code 46544
Below are the cities the US Postal Service accepts for ZIP code 46544. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Mishawaka | Preferred |
Nearby ZIP codes
46561 Osceola (4.6 mi)
46545 Mishawaka (5 mi)
46615 South Bend (5.7 mi)
46613 South Bend (6.8 mi)
46617 South Bend (6.8 mi)
46601 South Bend (7 mi)
46573 Wakarusa (7.1 mi)
46614 South Bend (7.2 mi)
46699 South Bend (7.3 mi)
46626 South Bend (7.3 mi)
46635 South Bend (7.7 mi)
46530 Granger (7.9 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 30,817 |
| Population density | 774 / sq mi |
| State FIPS | 18 |
| County FIPS | 141 |
| Geography | |
|---|---|
| Land area | 39.79 sq mi |
| Water area | 0.30 sq mi |
| Latitude | 41.6196 |
| Longitude | -86.1382 |
| 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 | 49.3% | 46.1% | 42.9% |
| $50k – $100k | 32.6% | 31.7% | 32.7% |
| $100k – $200k | 14.6% | 18.0% | 19.8% |
| Over $200k | 3.5% | 4.2% | 4.5% |
Demographics & statistics
30,817
Population
774
People per sq mi
35.6
Median age
$59,024
Median household income
$31,280
Per capita income
$138,600
Median home value
$954
Median monthly rent
65.9%
Home ownership
16.8%
Poverty rate
8.1%
Unemployment
9,509
Housing units
24.3%
Bachelor's or higher
Age distribution
Male
Female
1,298
Under 5
1,174
1,035
5–9
936
917
10–14
830
864
15–19
782
898
20–24
812
2,983
25–34
2,697
1,828
35–44
1,652
1,524
45–54
1,377
1,183
55–59
1,069
1,115
60–64
1,009
1,574
65–74
1,423
687
75–84
621
278
85+
251
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 7,139 | 23.2% |
| 18 and over | 23,678 | 76.8% |
| 65 and over | 4,834 | 15.7% |
| Median age | 35.6 years | |
Race & ethnicity
White
81.2%
Black or African American
8.5%
Two or more races
6.3%
Hispanic or Latino
2.1%
Other race
1%
Asian
0.7%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 25,571 | 81.2% |
| Black or African American | 2,677 | 8.5% |
| Two or more races | 1,988 | 6.3% |
| Hispanic or Latino | 662 | 2.1% |
| Other race | 329 | 1% |
| Asian | 235 | 0.7% |
| American Indian / Alaska Native | 17 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 49.3% | 46.1% | 42.9% |
| $50k – $100k | 32.6% | 31.7% | 32.7% |
| $100k – $200k | 14.6% | 18.0% | 19.8% |
| Over $200k | 3.5% | 4.2% | 4.5% |
Under $10k
4.3%
$10k–$15k
6.1%
$15k–$25k
8.7%
$25k–$35k
9.3%
$35k–$50k
14.8%
$50k–$75k
20.6%
$75k–$100k
13.5%
$100k–$150k
14.3%
$150k–$200k
5.0%
$200k+
3.4%
| Range | % of households |
|---|---|
| Under $10k | 4.3% |
| $10k–$15k | 6.1% |
| $15k–$25k | 8.7% |
| $25k–$35k | 9.3% |
| $35k–$50k | 14.8% |
| $50k–$75k | 20.6% |
| $75k–$100k | 13.5% |
| $100k–$150k | 14.3% |
| $150k–$200k | 5.0% |
| $200k+ | 3.4% |
| Median income | $59,024 |
Housing
Home values
Under $50k
5.2%
$50k–$100k
23.7%
$100k–$150k
25.6%
$150k–$200k
20.2%
$200k–$300k
16.5%
$300k–$500k
7.0%
$500k–$1M
1.4%
$1M+
0.5%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $138,600 |
| Median rent / month | $954 |
| Owner occupied | 65.9% |
| Renter occupied | 34.1% |
| Vacant | 6.4% |
| Single-family detached | 66.9% |
| Large apartment buildings | 9.4% |
| Mobile homes | 3.7% |
| Median rooms | 5.6 |
| Avg household size (owned) | 2.44 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 7.4% |
| 2000–2009 | 7.3% |
| 1990–1999 | 8.0% |
| 1980–1989 | 11.3% |
| 1970–1979 | 14.8% |
| 1960–1969 | 11.6% |
| 1950–1959 | 12.1% |
| 1940–1949 | 6.8% |
| 1939 or earlier | 20.6% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.9% |
| 1 bedroom | 15.6% |
| 2 bedrooms | 28.9% |
| 3 bedrooms | 37.2% |
| 4 bedrooms | 14.5% |
| 5+ bedrooms | 3.0% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 6.5% |
| 1 vehicle | 42.4% |
| 2 vehicles | 35.0% |
| 3 or more | 16.2% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 81.2% |
| Electricity | 16.5% |
| Propane / LP gas | 1.0% |
| Wood | 0.1% |
| No fuel used | 1.0% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 4,953 | 37.9% |
| Cohabiting couple | 1,023 | 7.8% |
| Male householder, no spouse | 3,060 | 23.4% |
| Female householder, no spouse | 4,030 | 30.8% |
| Households with children under 18 | 3,572 | 27.3% |
| Households with seniors (65+) | 3,783 | 29.0% |
| Average household size | 2.34 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 41.7% | 29.2% |
| Married | 42.0% | 41.4% |
| Separated | 1.1% | 1.2% |
| Widowed | 3.3% | 8.9% |
| Divorced | 11.9% | 19.3% |
Education
Less than 9th grade
1.6%
Some HS, no diploma
9.7%
HS graduate
34.9%
Some college, no degree
20.2%
Associate's degree
9.3%
Bachelor's degree
16.3%
Graduate / professional
8.0%
| Metric | % |
|---|---|
| HS diploma or higher | 88.7% |
| Bachelor's or higher | 24.3% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 792 | 12.2% |
| Kindergarten | 424 | 6.5% |
| Elementary school | 3,003 | 46.3% |
| High school | 1,347 | 20.7% |
| College / grad school | 926 | 14.3% |
Employment
Industry of employment
Education & healthcare
25.6%
Manufacturing
19.7%
Retail trade
10.0%
Arts, food & hospitality
9.3%
Professional & management
8.3%
Finance & real estate
5.3%
Transportation & utilities
4.9%
Public administration
4.9%
Construction
4.5%
Other services
4.4%
Wholesale trade
2.3%
Information
0.7%
Agriculture & mining
0.1%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 32.5% |
| Service | 18.3% |
| Sales & office | 20.5% |
| Natural resources & construction | 6.6% |
| Production & transportation | 22.0% |
Employment type
| Type | % |
|---|---|
| Private sector | 86.0% |
| Government | 11.1% |
| Self-employed | 2.9% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 79.1% |
| Carpool | 9.9% |
| Public transit | 1.9% |
| Walk | 0.9% |
| Work from home | 7.0% |
| Other means | 1.3% |
| Avg commute (minutes) | 22.4 |
Poverty
All people
16.8%
Under 18 years
26.4%
18 and over
14.1%
Married-couple families
3.8%
Female-led households
33.8%
Income support
| Source | % of households |
|---|---|
| Social Security | 32.7% |
| Retirement income | 24.3% |
| Supplemental Security | 6.3% |
| Cash public assistance | 1.5% |
| Food stamps / SNAP | 10.8% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 36.1% |
| High blood pressure | 33.4% |
| High cholesterol | 31.3% |
| Diabetes | 10.3% |
| Heart disease | 6.7% |
| Stroke | 3.2% |
| Asthma | 9.7% |
| Arthritis | 24.5% |
| Kidney disease | 2.9% |
| Pulmonary disease | 8.2% |
| Cancer | 6.5% |
| Behavior / access | % |
|---|---|
| Smoking | 21.5% |
| Binge drinking | 16.0% |
| No physical activity | 25.3% |
| Less than 7 hrs sleep | 31.9% |
| Depression | 23.0% |
| Fair or poor health | 15.8% |
| Poor mental health | 16.4% |
| Poor physical health | 11.2% |
| No health insurance | 13.9% |
| Visited doctor (checkup) | 75.5% |
| Visited dentist | 58.3% |
| Cholesterol screening | 87.5% |
| Teeth loss | 17.3% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,279 | 5.4% |
| Disability | % |
|---|---|
| Any disability | 15.8% |
| Under 18 | 5.4% |
| 18–64 years | 15.4% |
| 65 and over | 33.2% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 64.3% |
| Public insurance | 38.5% |
| No insurance | 7.9% |
| Uninsured under 19 | 4.7% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 28,345 | 92.0% |
| Spanish | 372 | 1.3% |
| Other Indo-European | 237 | 0.8% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 79 | 0.3% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 29,938 | 97.1% |
| Born in same state | 29,740 | 96.5% |
| Born in different state | 22,397 | 72.7% |
| Foreign born | 198 | 0.6% |
| Naturalized citizen | 879 | 2.9% |
| Not a US citizen | 443 | 50.4% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 3,591 | 11.7% |
| French | 3,019 | 9.8% |
| Arab | 1,762 | 5.7% |
| Irish | 887 | 2.9% |
| English | 547 | 1.8% |
| Ancestry | Count | % |
|---|---|---|
| Dutch | 104 | 0.3% |
| Polish | 96 | 0.3% |
| German | 87 | 0.3% |
| Norwegian | 35 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 42.4% |
| Internet access | 93.3% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 46544
What city is ZIP code 46544 in?
ZIP code 46544 is primarily assigned to Mishawaka, Indiana.
What county is ZIP code 46544 in?
ZIP code 46544 falls within St Joseph County, Indiana.
What is the poverty rate in ZIP code 46544?
17% of residents in ZIP code 46544 live below the poverty line, above the national average.
What is the typical home value in ZIP code 46544?
The median home value in ZIP code 46544 is $138,600.
What is the population of ZIP code 46544?
ZIP code 46544 has an estimated population of 30,817 residents, with a density of 774 people per square mile.
What is the median household income in ZIP code 46544?
The median household income in ZIP code 46544 is $59,024, below the national median of ~$75,000.
What timezone is ZIP code 46544 in?
ZIP code 46544 observes the EST timezone.