46554 ZIP Code — North Liberty, IN

St Joseph County, Indiana

ZIP code 46554 is located in North Liberty, Indiana, within St Joseph County. It covers approximately 67.97 square miles and serves a population of 4,077 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46554

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $171,900. Owner-occupancy is high at 90%, well above the national average.

Median household income is $72,974. The poverty rate of 7% is below the national average. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

Overall, ZIP code 46554 reflects a community defined by high homeownership and a significant Social Security-dependent population.

4,077

population

67.97

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46554 ZIP code map

Cities in ZIP code 46554

Below are the cities the US Postal Service accepts for ZIP code 46554. Using any city not on this list may result in mail delivery delays.

City	Status
North Liberty	Preferred

Nearby ZIP codes

46574 Walkerton (6 mi) 46365 Mill Creek (6.7 mi) 46619 South Bend (7.7 mi) 46614 South Bend (8.3 mi) 46536 Lakeville (8.4 mi) 46552 New Carlisle (9.8 mi) 46613 South Bend (10.8 mi) 46628 South Bend (11.6 mi) 46601 South Bend (11.8 mi) 46371 Rolling Prairie (12.2 mi) 46699 South Bend (12.4 mi) 46626 South Bend (12.4 mi)

Demographics updated 05/2026

Population
Total population	4,077
Population density	60 / sq mi
State FIPS	18
County FIPS	141

Geography
Land area	67.97 sq mi
Water area	0.65 sq mi
Latitude	41.5622
Longitude	-86.4275
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	40.3%	46.1%	42.9%
$50k – $100k	37.8%	31.7%	32.7%
$100k – $200k	20.1%	18.0%	19.8%
Over $200k	1.8%	4.2%	4.5%

Demographics & statistics

4,077

Population

People per sq mi

46.7

Median age

$72,974

Median household income

$34,886

Per capita income

$171,900

Median home value

$770

Median monthly rent

90.2%

Home ownership

6.6%

Poverty rate

5.7%

Unemployment

1,580

Housing units

28.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

139

10–14

138

148

15–19

146

20–24

289

25–34

285

195

35–44

192

249

45–54

246

214

55–59

212

226

60–64

223

215

65–74

213

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	728	17.9%
18 and over	3,349	82.1%
65 and over	720	17.7%
Median age	46.7 years

Race & ethnicity

White 97.9%

Two or more races 1.3%

Black or African American 0.3%

Hispanic or Latino 0.2%

Other race 0.2%

Asian 0.1%

Group	Count	%
White	4,001	97.9%
Two or more races	54	1.3%
Black or African American	11	0.3%
Hispanic or Latino	8	0.2%
Other race	8	0.2%
Asian	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.3%	46.1%	42.9%
$50k – $100k	37.8%	31.7%	32.7%
$100k – $200k	20.1%	18.0%	19.8%
Over $200k	1.8%	4.2%	4.5%

Under $10k 5.9%

$10k–$15k 2.1%

$15k–$25k 4.8%

$25k–$35k 8.6%

$35k–$50k 9.3%

$50k–$75k 20.6%

$75k–$100k 10.8%

$100k–$150k 27.3%

$150k–$200k 7.4%

$200k+ 3.1%

Range	% of households
Under $10k	5.9%
$10k–$15k	2.1%
$15k–$25k	4.8%
$25k–$35k	8.6%
$35k–$50k	9.3%
$50k–$75k	20.6%
$75k–$100k	10.8%
$100k–$150k	27.3%
$150k–$200k	7.4%
$200k+	3.1%
Median income	$72,974

Housing

Home values

Under $50k 1.6%

$50k–$100k 13.9%

$100k–$150k 16.3%

$150k–$200k 25.9%

$200k–$300k 22.8%

$300k–$500k 15.4%

$500k–$1M 2.3%

$1M+ 1.8%

Housing overview

Metric	Value
Median home value	$171,900
Median rent / month	$770
Owner occupied	90.2%
Renter occupied	9.8%
Vacant	4.8%
Single-family detached	94.0%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	6.3
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	0.1%
2010–2019	3.2%
2000–2009	8.0%
1990–1999	4.9%
1980–1989	6.4%
1970–1979	11.3%
1960–1969	6.6%
1950–1959	14.8%
1940–1949	5.5%
1939 or earlier	39.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	6.4%
2 bedrooms	23.4%
3 bedrooms	48.6%
4 bedrooms	15.2%
5+ bedrooms	6.0%

Vehicles per household

Vehicles	% of households
No vehicle	7.9%
1 vehicle	16.2%
2 vehicles	39.2%
3 or more	36.7%

Heating fuel

Fuel type	%
Utility gas	70.7%
Electricity	13.6%
Propane / LP gas	7.3%
Fuel oil	1.0%
Wood	7.4%

Households & families

Household type	Count	%
Married-couple family	842	50.8%
Cohabiting couple	152	9.2%
Male householder, no spouse	241	14.5%
Female householder, no spouse	424	25.6%
Households with children under 18	360	21.7%
Households with seniors (65+)	553	33.3%
Average household size	2.46

Marital status

Status	Male	Female
Never married	37.4%	24.2%
Married	48.5%	49.1%
Separated	0.6%	1.1%
Widowed	0.7%	14.2%
Divorced	12.8%	11.5%

Education

Less than 9th grade 1.0%

Some HS, no diploma 4.0%

HS graduate 40.2%

Some college, no degree 17.1%

Associate's degree 9.5%

Bachelor's degree 21.1%

Graduate / professional 7.1%

Metric	%
HS diploma or higher	95.1%
Bachelor's or higher	28.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	32	3.8%
Kindergarten	26	3.1%
Elementary school	263	31.5%
High school	276	33.1%
College / grad school	238	28.5%

Employment

Industry of employment

Manufacturing 20.3%

Education & healthcare 18.5%

Transportation & utilities 11.3%

Retail trade 8.3%

Professional & management 8.2%

Construction 8.1%

Finance & real estate 7.8%

Other services 5.2%

Agriculture & mining 4.7%

Arts, food & hospitality 3.7%

Public administration 1.8%

Wholesale trade 1.1%

Information 1.0%

Occupation

Category	%
Management, business & arts	45.6%
Service	11.3%
Sales & office	15.1%
Natural resources & construction	17.0%
Production & transportation	11.0%

Employment type

Type	%
Private sector	82.6%
Government	9.6%
Self-employed	3.6%
Unpaid family workers	4.2%

Commute

Method	%
Drive alone	85.8%
Carpool	3.5%
Public transit	0.0%
Walk	2.7%
Work from home	8.0%
Other means	0.0%
Avg commute (minutes)	26.1

Poverty

All people 6.6%

Under 18 years 6.7%

18 and over 6.6%

Married-couple families 1.8%

Female-led households 29.9%

Income support

Source	% of households
Social Security	42.6%
Retirement income	30.2%
Supplemental Security	3.2%
Cash public assistance	1.2%
Food stamps / SNAP	6.4%

Health indicators

Condition	%
Obesity	35.5%
High blood pressure	33.9%
High cholesterol	32.7%
Diabetes	10.3%
Heart disease	6.8%
Stroke	3.0%
Asthma	9.4%
Arthritis	25.0%
Kidney disease	2.9%
Pulmonary disease	7.9%
Cancer	6.8%

Behavior / access	%
Smoking	20.2%
Binge drinking	16.0%
No physical activity	23.8%
Less than 7 hrs sleep	31.1%
Depression	22.4%
Fair or poor health	14.6%
Poor mental health	15.5%
Poor physical health	10.8%
No health insurance	12.4%
Visited doctor (checkup)	75.9%
Visited dentist	61.2%
Cholesterol screening	89.1%
Teeth loss	15.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	276	8.2%

Disability	%
Any disability	11.3%
Under 18	5.1%
18–64 years	9.5%
65 and over	24.2%

Health insurance coverage

Type	%
Private insurance	71.7%
Public insurance	35.8%
No insurance	4.9%
Uninsured under 19	1.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,919	96.1%
Spanish	1	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	1	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,056	99.5%
Born in same state	4,019	98.6%
Born in different state	3,227	79.2%
Foreign born	37	0.9%
Naturalized citizen	21	0.5%
Not a US citizen	21	100.0%

Ancestry

Ancestry	Count	%
French	563	13.8%
Italian	478	11.7%
Arab	298	7.3%
English	61	1.5%

Ancestry	Count	%
Irish	43	1.1%
Norwegian	30	0.7%
German	29	0.7%
Polish	25	0.6%

Technology access

Metric	% of households
Computer access	40.7%
Internet access	93.0%

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

Frequently asked questions about ZIP code 46554

What city is ZIP code 46554 in?

ZIP code 46554 is primarily assigned to North Liberty, Indiana.

What county is ZIP code 46554 in?

ZIP code 46554 falls within St Joseph County, Indiana.

Is ZIP code 46554 mostly owner-occupied?

90% of occupied units in ZIP code 46554 are owner-occupied, well above the national average.

Does ZIP code 46554 have a large retiree population?

43% of households in ZIP code 46554 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 46554?

The median home value in ZIP code 46554 is $171,900.

What is the population of ZIP code 46554?

ZIP code 46554 has an estimated population of 4,077 residents, with a density of 60 people per square mile.

What timezone is ZIP code 46554 in?

ZIP code 46554 observes the EST timezone.