46561 ZIP Code — Osceola, IN
St Joseph County, Indiana
ZIP code 46561 is located in Osceola, Indiana, within St Joseph County. It covers approximately 13.57 square miles and serves a population of 14,658 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.
About ZIP code 46561
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $194,100. Owner-occupancy is high at 86%, well above the national average.
Median household income is $80,853.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.
Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.
14,658
population
13.57
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46561 ZIP code map
Cities in ZIP code 46561
Below are the cities the US Postal Service accepts for ZIP code 46561. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Osceola | Preferred |
Nearby ZIP codes
46545 Mishawaka (3.9 mi)
46544 Mishawaka (4.6 mi)
46530 Granger (5.2 mi)
46516 Elkhart (5.7 mi)
46517 Elkhart (5.9 mi)
46514 Elkhart (6.4 mi)
46615 South Bend (7.3 mi)
46635 South Bend (7.6 mi)
46617 South Bend (8.5 mi)
46573 Wakarusa (8.8 mi)
46699 South Bend (9.1 mi)
46626 South Bend (9.1 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 14,658 |
| Population density | 1,080 / sq mi |
| State FIPS | 18 |
| County FIPS | 141 |
| Geography | |
|---|---|
| Land area | 13.57 sq mi |
| Water area | 0.47 sq mi |
| Latitude | 41.6664 |
| Longitude | -86.0760 |
| 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 | 30.4% | 46.1% | 42.9% |
| $50k – $100k | 36.6% | 31.7% | 32.7% |
| $100k – $200k | 31.4% | 18.0% | 19.8% |
| Over $200k | 1.6% | 4.2% | 4.5% |
Demographics & statistics
14,658
Population
1,080
People per sq mi
40.5
Median age
$80,853
Median household income
$33,745
Per capita income
$194,100
Median home value
$1,105
Median monthly rent
86.2%
Home ownership
11.6%
Poverty rate
3.2%
Unemployment
4,861
Housing units
22.9%
Bachelor's or higher
Age distribution
Male
Female
395
Under 5
364
519
5–9
478
540
10–14
497
720
15–19
663
396
20–24
365
615
25–34
565
1,096
35–44
1,009
1,310
45–54
1,206
619
55–59
569
283
60–64
261
647
65–74
595
372
75–84
342
121
85+
111
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 3,770 | 25.7% |
| 18 and over | 10,888 | 74.3% |
| 65 and over | 2,188 | 14.9% |
| Median age | 40.5 years | |
Race & ethnicity
White
83.1%
Two or more races
7.6%
Hispanic or Latino
5.1%
Black or African American
2.5%
Other race
0.9%
Asian
0.6%
American Indian / Alaska Native
0.2%
| Group | Count | % |
|---|---|---|
| White | 12,833 | 83.1% |
| Two or more races | 1,178 | 7.6% |
| Hispanic or Latino | 787 | 5.1% |
| Black or African American | 379 | 2.5% |
| Other race | 138 | 0.9% |
| Asian | 96 | 0.6% |
| American Indian / Alaska Native | 34 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 30.4% | 46.1% | 42.9% |
| $50k – $100k | 36.6% | 31.7% | 32.7% |
| $100k – $200k | 31.4% | 18.0% | 19.8% |
| Over $200k | 1.6% | 4.2% | 4.5% |
Under $10k
4.4%
$10k–$15k
2.3%
$15k–$25k
3.3%
$25k–$35k
8.6%
$35k–$50k
9.5%
$50k–$75k
19.1%
$75k–$100k
12.8%
$100k–$150k
23.3%
$150k–$200k
14.9%
$200k+
1.9%
| Range | % of households |
|---|---|
| Under $10k | 4.4% |
| $10k–$15k | 2.3% |
| $15k–$25k | 3.3% |
| $25k–$35k | 8.6% |
| $35k–$50k | 9.5% |
| $50k–$75k | 19.1% |
| $75k–$100k | 12.8% |
| $100k–$150k | 23.3% |
| $150k–$200k | 14.9% |
| $200k+ | 1.9% |
| Median income | $80,853 |
Housing
Home values
Under $50k
5.3%
$50k–$100k
9.8%
$100k–$150k
19.6%
$150k–$200k
17.6%
$200k–$300k
35.3%
$300k–$500k
9.7%
$500k–$1M
2.6%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $194,100 |
| Median rent / month | $1,105 |
| Owner occupied | 86.2% |
| Renter occupied | 13.8% |
| Vacant | 3.3% |
| Single-family detached | 86.9% |
| Large apartment buildings | 0.0% |
| Mobile homes | 8.0% |
| Median rooms | 6.3 |
| Avg household size (owned) | 2.60 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.8% |
| 2010–2019 | 10.1% |
| 2000–2009 | 14.3% |
| 1990–1999 | 19.2% |
| 1980–1989 | 8.5% |
| 1970–1979 | 10.8% |
| 1960–1969 | 8.9% |
| 1950–1959 | 16.5% |
| 1940–1949 | 6.3% |
| 1939 or earlier | 4.5% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.5% |
| 1 bedroom | 1.6% |
| 2 bedrooms | 18.8% |
| 3 bedrooms | 57.4% |
| 4 bedrooms | 19.7% |
| 5+ bedrooms | 2.1% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 3.4% |
| 1 vehicle | 20.2% |
| 2 vehicles | 45.0% |
| 3 or more | 31.5% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 88.6% |
| Electricity | 8.0% |
| Propane / LP gas | 3.1% |
| Wood | 0.2% |
| No fuel used | 0.1% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 2,924 | 53.9% |
| Cohabiting couple | 417 | 7.7% |
| Male householder, no spouse | 748 | 13.8% |
| Female householder, no spouse | 1,335 | 24.6% |
| Households with children under 18 | 2,023 | 37.3% |
| Households with seniors (65+) | 1,491 | 27.5% |
| Average household size | 2.70 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 34.3% | 23.6% |
| Married | 51.0% | 51.6% |
| Separated | 0.2% | 2.1% |
| Widowed | 1.8% | 8.6% |
| Divorced | 12.8% | 14.1% |
Education
Less than 9th grade
2.4%
Some HS, no diploma
7.1%
HS graduate
38.4%
Some college, no degree
20.5%
Associate's degree
8.8%
Bachelor's degree
15.1%
Graduate / professional
7.8%
| Metric | % |
|---|---|
| HS diploma or higher | 90.5% |
| Bachelor's or higher | 22.9% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 218 | 5.6% |
| Kindergarten | 225 | 5.8% |
| Elementary school | 1,552 | 40.1% |
| High school | 1,281 | 33.1% |
| College / grad school | 599 | 15.5% |
Employment
Industry of employment
Education & healthcare
26.1%
Manufacturing
19.4%
Retail trade
11.5%
Professional & management
7.0%
Transportation & utilities
6.5%
Other services
5.7%
Finance & real estate
5.5%
Arts, food & hospitality
5.0%
Construction
4.6%
Public administration
4.0%
Wholesale trade
3.2%
Information
1.2%
Agriculture & mining
0.1%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 36.2% |
| Service | 17.2% |
| Sales & office | 21.1% |
| Natural resources & construction | 9.3% |
| Production & transportation | 16.1% |
Employment type
| Type | % |
|---|---|
| Private sector | 83.4% |
| Government | 13.5% |
| Self-employed | 3.1% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 80.4% |
| Carpool | 10.1% |
| Public transit | 0.2% |
| Walk | 1.6% |
| Work from home | 7.0% |
| Other means | 0.6% |
| Avg commute (minutes) | 23.3 |
Poverty
All people
11.6%
Under 18 years
16.8%
18 and over
9.7%
Married-couple families
2.6%
Female-led households
23.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 29.4% |
| Retirement income | 23.8% |
| Supplemental Security | 5.0% |
| Cash public assistance | 1.0% |
| Food stamps / SNAP | 3.3% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 34.8% |
| High blood pressure | 30.4% |
| High cholesterol | 31.2% |
| Diabetes | 8.8% |
| Heart disease | 5.5% |
| Stroke | 2.5% |
| Asthma | 9.3% |
| Arthritis | 21.9% |
| Kidney disease | 2.4% |
| Pulmonary disease | 6.6% |
| Cancer | 6.0% |
| Behavior / access | % |
|---|---|
| Smoking | 19.7% |
| Binge drinking | 17.3% |
| No physical activity | 22.0% |
| Less than 7 hrs sleep | 31.7% |
| Depression | 22.5% |
| Fair or poor health | 12.8% |
| Poor mental health | 15.6% |
| Poor physical health | 9.6% |
| No health insurance | 12.6% |
| Visited doctor (checkup) | 74.4% |
| Visited dentist | 63.5% |
| Cholesterol screening | 88.6% |
| Teeth loss | 13.3% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 854 | 7.8% |
| Disability | % |
|---|---|
| Any disability | 11.9% |
| Under 18 | 4.8% |
| 18–64 years | 9.6% |
| 65 and over | 33.2% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 71.9% |
| Public insurance | 29.8% |
| No insurance | 8.7% |
| Uninsured under 19 | 9.2% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 13,899 | 94.8% |
| Spanish | 61 | 0.4% |
| Other Indo-European | 55 | 0.4% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 6 | 0.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 14,391 | 98.2% |
| Born in same state | 14,357 | 97.9% |
| Born in different state | 11,006 | 75.1% |
| Foreign born | 34 | 0.2% |
| Naturalized citizen | 267 | 1.8% |
| Not a US citizen | 191 | 71.5% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 2,073 | 14.1% |
| French | 1,501 | 10.2% |
| Arab | 522 | 3.6% |
| Irish | 251 | 1.7% |
| Ancestry | Count | % |
|---|---|---|
| English | 198 | 1.4% |
| Dutch | 37 | 0.3% |
| Polish | 25 | 0.2% |
| German | 6 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 37.0% |
| Internet access | 94.7% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 46561
What city is ZIP code 46561 in?
ZIP code 46561 is primarily assigned to Osceola, Indiana.
What county is ZIP code 46561 in?
ZIP code 46561 falls within St Joseph County, Indiana.
Is ZIP code 46561 mostly owner-occupied?
86% of occupied units in ZIP code 46561 are owner-occupied, well above the national average.
What is the typical home value in ZIP code 46561?
The median home value in ZIP code 46561 is $194,100.
What is the population of ZIP code 46561?
ZIP code 46561 has an estimated population of 14,658 residents, with a density of 1,080 people per square mile.
What is the median household income in ZIP code 46561?
The median household income in ZIP code 46561 is $80,853, above the national median of ~$75,000.
What timezone is ZIP code 46561 in?
ZIP code 46561 observes the EST timezone.