46545 ZIP Code — Mishawaka, IN
St Joseph County, Indiana
ZIP code 46545 is located in Mishawaka, Indiana, within St Joseph County. It covers approximately 18.32 square miles and serves a population of 27,000 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.
About ZIP code 46545
The housing stock consists of a mix of housing types. Most homes were built in the 1960s, giving the area an established character. Median home value is $160,600. Owner-occupancy sits near the national average at 47%.
Median household income is $52,621. 32% 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 20 minutes is near the national average.
Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.
27,000
population
18.32
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46545 ZIP code map
Cities in ZIP code 46545
Below are the cities the US Postal Service accepts for ZIP code 46545. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Mishawaka | Preferred |
Nearby ZIP codes
46530 Granger (3 mi)
46635 South Bend (3.8 mi)
46561 Osceola (3.9 mi)
46615 South Bend (4 mi)
46544 Mishawaka (5 mi)
46617 South Bend (5.1 mi)
46699 South Bend (5.6 mi)
46626 South Bend (5.6 mi)
46637 South Bend (5.8 mi)
46601 South Bend (5.9 mi)
46616 South Bend (6.4 mi)
46613 South Bend (6.6 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 27,000 |
| Population density | 1,474 / sq mi |
| State FIPS | 18 |
| County FIPS | 141 |
| Geography | |
|---|---|
| Land area | 18.32 sq mi |
| Water area | 0.29 sq mi |
| Latitude | 41.6926 |
| Longitude | -86.1422 |
| 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 | 55.6% | 46.1% | 42.9% |
| $50k – $100k | 31.5% | 31.7% | 32.7% |
| $100k – $200k | 10.5% | 18.0% | 19.8% |
| Over $200k | 2.4% | 4.2% | 4.5% |
Demographics & statistics
27,000
Population
1,474
People per sq mi
37.0
Median age
$52,621
Median household income
$31,973
Per capita income
$160,600
Median home value
$944
Median monthly rent
46.5%
Home ownership
11.5%
Poverty rate
4.9%
Unemployment
6,871
Housing units
30.3%
Bachelor's or higher
Age distribution
Male
Female
577
Under 5
609
770
5–9
812
804
10–14
849
1,002
15–19
1,057
1,170
20–24
1,234
1,907
25–34
2,011
1,735
35–44
1,830
1,514
45–54
1,597
599
55–59
631
614
60–64
648
1,395
65–74
1,472
803
75–84
848
249
85+
263
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 5,551 | 20.6% |
| 18 and over | 21,449 | 79.4% |
| 65 and over | 5,030 | 18.6% |
| Median age | 37.0 years | |
Race & ethnicity
White
76.6%
Two or more races
7.6%
Black or African American
5.8%
Hispanic or Latino
4.7%
Asian
3%
Other race
1.9%
American Indian / Alaska Native
0.3%
Native Hawaiian / Pacific Islander
0.2%
| Group | Count | % |
|---|---|---|
| White | 21,704 | 76.6% |
| Two or more races | 2,147 | 7.6% |
| Black or African American | 1,631 | 5.8% |
| Hispanic or Latino | 1,332 | 4.7% |
| Asian | 852 | 3% |
| Other race | 527 | 1.9% |
| American Indian / Alaska Native | 92 | 0.3% |
| Native Hawaiian / Pacific Islander | 47 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 55.6% | 46.1% | 42.9% |
| $50k – $100k | 31.5% | 31.7% | 32.7% |
| $100k – $200k | 10.5% | 18.0% | 19.8% |
| Over $200k | 2.4% | 4.2% | 4.5% |
Under $10k
4.6%
$10k–$15k
3.8%
$15k–$25k
13.5%
$25k–$35k
11.2%
$35k–$50k
15.2%
$50k–$75k
20.5%
$75k–$100k
12.3%
$100k–$150k
10.4%
$150k–$200k
4.9%
$200k+
3.4%
| Range | % of households |
|---|---|
| Under $10k | 4.6% |
| $10k–$15k | 3.8% |
| $15k–$25k | 13.5% |
| $25k–$35k | 11.2% |
| $35k–$50k | 15.2% |
| $50k–$75k | 20.5% |
| $75k–$100k | 12.3% |
| $100k–$150k | 10.4% |
| $150k–$200k | 4.9% |
| $200k+ | 3.4% |
| Median income | $52,621 |
Housing
Home values
Under $50k
3.7%
$50k–$100k
18.5%
$100k–$150k
23.9%
$150k–$200k
20.0%
$200k–$300k
19.9%
$300k–$500k
7.5%
$500k–$1M
6.5%
$1M+
0.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $160,600 |
| Median rent / month | $944 |
| Owner occupied | 46.5% |
| Renter occupied | 53.5% |
| Vacant | 9.0% |
| Single-family detached | 49.1% |
| Large apartment buildings | 11.7% |
| Mobile homes | 3.2% |
| Median rooms | 4.9 |
| Avg household size (owned) | 2.52 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.3% |
| 2010–2019 | 4.2% |
| 2000–2009 | 6.7% |
| 1990–1999 | 15.4% |
| 1980–1989 | 15.1% |
| 1970–1979 | 15.9% |
| 1960–1969 | 16.5% |
| 1950–1959 | 7.6% |
| 1940–1949 | 5.8% |
| 1939 or earlier | 12.6% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.9% |
| 1 bedroom | 18.6% |
| 2 bedrooms | 35.9% |
| 3 bedrooms | 29.1% |
| 4 bedrooms | 10.0% |
| 5+ bedrooms | 3.5% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 7.2% |
| 1 vehicle | 44.7% |
| 2 vehicles | 34.9% |
| 3 or more | 13.1% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 78.6% |
| Electricity | 18.0% |
| Propane / LP gas | 2.3% |
| Wood | 0.1% |
| No fuel used | 1.0% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 4,509 | 37.1% |
| Cohabiting couple | 779 | 6.4% |
| Male householder, no spouse | 2,842 | 23.4% |
| Female householder, no spouse | 4,036 | 33.2% |
| Households with children under 18 | 2,930 | 24.1% |
| Households with seniors (65+) | 3,744 | 30.8% |
| Average household size | 2.16 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 38.7% | 31.7% |
| Married | 44.0% | 39.8% |
| Separated | 1.0% | 1.1% |
| Widowed | 3.2% | 8.7% |
| Divorced | 13.0% | 18.7% |
Education
Less than 9th grade
1.9%
Some HS, no diploma
6.3%
HS graduate
31.1%
Some college, no degree
22.4%
Associate's degree
8.1%
Bachelor's degree
18.3%
Graduate / professional
12.0%
| Metric | % |
|---|---|
| HS diploma or higher | 91.9% |
| Bachelor's or higher | 30.3% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 285 | 4.2% |
| Kindergarten | 202 | 3.0% |
| Elementary school | 2,576 | 38.3% |
| High school | 1,532 | 22.8% |
| College / grad school | 2,131 | 31.7% |
Employment
Industry of employment
Education & healthcare
26.5%
Manufacturing
19.2%
Retail trade
10.3%
Professional & management
8.4%
Arts, food & hospitality
8.4%
Finance & real estate
6.5%
Other services
5.0%
Transportation & utilities
4.8%
Wholesale trade
3.4%
Construction
3.0%
Information
2.4%
Public administration
1.9%
Agriculture & mining
0.2%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 38.1% |
| Service | 14.8% |
| Sales & office | 24.6% |
| Natural resources & construction | 4.3% |
| Production & transportation | 18.2% |
Employment type
| Type | % |
|---|---|
| Private sector | 88.0% |
| Government | 9.1% |
| Self-employed | 2.8% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 78.0% |
| Carpool | 8.2% |
| Public transit | 0.6% |
| Walk | 3.8% |
| Work from home | 7.2% |
| Other means | 2.3% |
| Avg commute (minutes) | 20.4 |
Poverty
All people
11.5%
Under 18 years
15.8%
18 and over
10.4%
Married-couple families
2.9%
Female-led households
22.9%
Income support
| Source | % of households |
|---|---|
| Social Security | 31.6% |
| Retirement income | 22.5% |
| Supplemental Security | 3.3% |
| Cash public assistance | 2.2% |
| Food stamps / SNAP | 7.9% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 35.6% |
| High blood pressure | 33.1% |
| High cholesterol | 30.1% |
| Diabetes | 10.4% |
| Heart disease | 6.7% |
| Stroke | 3.2% |
| Asthma | 9.9% |
| Arthritis | 23.8% |
| Kidney disease | 3.0% |
| Pulmonary disease | 7.9% |
| Cancer | 6.3% |
| Behavior / access | % |
|---|---|
| Smoking | 19.9% |
| Binge drinking | 15.5% |
| No physical activity | 25.6% |
| Less than 7 hrs sleep | 31.9% |
| Depression | 22.6% |
| Fair or poor health | 16.0% |
| Poor mental health | 16.6% |
| Poor physical health | 11.0% |
| No health insurance | 14.2% |
| Visited doctor (checkup) | 76.1% |
| Visited dentist | 57.5% |
| Cholesterol screening | 86.5% |
| Teeth loss | 17.6% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,411 | 6.6% |
| Disability | % |
|---|---|
| Any disability | 16.4% |
| Under 18 | 4.3% |
| 18–64 years | 12.5% |
| 65 and over | 43.1% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 72.1% |
| Public insurance | 33.4% |
| No insurance | 8.7% |
| Uninsured under 19 | 6.2% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 25,814 | 95.6% |
| Spanish | 1,052 | 4.1% |
| Other Indo-European | 487 | 1.9% |
| Asian & Pacific Islander | 199 | 0.8% |
| Other languages | 323 | 1.3% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 25,148 | 93.1% |
| Born in same state | 24,880 | 92.1% |
| Born in different state | 16,753 | 62.0% |
| Foreign born | 268 | 1.0% |
| Naturalized citizen | 1,852 | 6.9% |
| Not a US citizen | 665 | 35.9% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 3,607 | 13.4% |
| French | 2,566 | 9.5% |
| Arab | 886 | 3.3% |
| English | 620 | 2.3% |
| Irish | 482 | 1.8% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 119 | 0.4% |
| German | 81 | 0.3% |
| Norwegian | 15 | 0.1% |
| Dutch | 3 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 45.1% |
| Internet access | 91.6% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 46545
What city is ZIP code 46545 in?
ZIP code 46545 is primarily assigned to Mishawaka, Indiana.
What county is ZIP code 46545 in?
ZIP code 46545 falls within St Joseph County, Indiana.
What is the typical home value in ZIP code 46545?
The median home value in ZIP code 46545 is $160,600.
What is the population of ZIP code 46545?
ZIP code 46545 has an estimated population of 27,000 residents, with a density of 1,474 people per square mile.
What is the median household income in ZIP code 46545?
The median household income in ZIP code 46545 is $52,621, below the national median of ~$75,000.
What timezone is ZIP code 46545 in?
ZIP code 46545 observes the EST timezone.