46635 ZIP Code — South Bend, IN

St Joseph County, Indiana

ZIP code 46635 is located in South Bend, Indiana, within St Joseph County. It covers approximately 3.10 square miles and serves a population of 6,532 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46635

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 $168,600. Owner-occupancy is high at 76%, well above the national average.

Median household income is $72,664. The poverty rate of 6% 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 education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.

Educational attainment is near the national average, with 31% of residents holding a bachelor's degree or higher.

Overall, ZIP code 46635 reflects a community defined by high homeownership and a significant Social Security-dependent population.

6,532

population

3.10

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46635 ZIP code map

Cities in ZIP code 46635

Below are the cities the US Postal Service accepts for ZIP code 46635. Using any city not on this list may result in mail delivery delays.

City	Status
South Bend	Preferred

Nearby ZIP codes

46637 South Bend (2.1 mi) 46615 South Bend (3 mi) 46617 South Bend (3.1 mi) 46626 South Bend (3.4 mi) 46699 South Bend (3.4 mi) 46616 South Bend (3.5 mi) 46545 Mishawaka (3.8 mi) 46601 South Bend (4.1 mi) 46530 Granger (4.3 mi) 46613 South Bend (5.3 mi) 46628 South Bend (7 mi) 46561 Osceola (7.6 mi)

Demographics updated 05/2026

Population
Total population	6,532
Population density	2,107 / sq mi
State FIPS	18
County FIPS	141

Geography
Land area	3.10 sq mi
Water area	0.01 sq mi
Latitude	41.7200
Longitude	-86.2051
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	43.6%	46.1%	42.9%
$50k – $100k	39.1%	31.7%	32.7%
$100k – $200k	13.4%	18.0%	19.8%
Over $200k	3.9%	4.2%	4.5%

Demographics & statistics

6,532

Population

2,107

People per sq mi

44.8

Median age

$72,664

Median household income

$32,948

Per capita income

$168,600

Median home value

$829

Median monthly rent

75.7%

Home ownership

6.1%

Poverty rate

8.2%

Unemployment

2,325

Housing units

31.1%

Bachelor's or higher

Age distribution

Male Female

125

Under 5

152

171

5–9

207

160

10–14

193

261

15–19

317

20–24

104

303

25–34

368

378

35–44

459

345

45–54

419

165

55–59

199

218

60–64

264

385

65–74

467

205

75–84

248

151

85+

182

← Male

Female →

Age summary

Group	Count	%
Under 18	1,310	20.1%
18 and over	5,222	79.9%
65 and over	1,638	25.1%
Median age	44.8 years

Race & ethnicity

White 86.9%

Black or African American 5.7%

Two or more races 3.6%

Asian 2.7%

Hispanic or Latino 0.8%

Other race 0.2%

Group	Count	%
White	5,726	86.9%
Black or African American	375	5.7%
Two or more races	239	3.6%
Asian	181	2.7%
Hispanic or Latino	54	0.8%
Other race	11	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.6%	46.1%	42.9%
$50k – $100k	39.1%	31.7%	32.7%
$100k – $200k	13.4%	18.0%	19.8%
Over $200k	3.9%	4.2%	4.5%

Under $10k 4.7%

$10k–$15k 4.2%

$15k–$25k 5.6%

$25k–$35k 8.4%

$35k–$50k 10.7%

$50k–$75k 17.8%

$75k–$100k 20.9%

$100k–$150k 19.5%

$150k–$200k 4.6%

$200k+ 3.7%

Range	% of households
Under $10k	4.7%
$10k–$15k	4.2%
$15k–$25k	5.6%
$25k–$35k	8.4%
$35k–$50k	10.7%
$50k–$75k	17.8%
$75k–$100k	20.9%
$100k–$150k	19.5%
$150k–$200k	4.6%
$200k+	3.7%
Median income	$72,664

Housing

Home values

Under $50k 2.1%

$50k–$100k 13.0%

$100k–$150k 22.8%

$150k–$200k 28.7%

$200k–$300k 28.5%

$300k–$500k 4.9%

Housing overview

Metric	Value
Median home value	$168,600
Median rent / month	$829
Owner occupied	75.7%
Renter occupied	24.3%
Vacant	9.6%
Single-family detached	85.5%
Large apartment buildings	9.3%
Mobile homes	0.0%
Median rooms	6.3
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	0.0%
2010–2019	1.1%
2000–2009	3.3%
1990–1999	13.3%
1980–1989	7.8%
1970–1979	21.0%
1960–1969	17.6%
1950–1959	15.3%
1940–1949	10.1%
1939 or earlier	10.6%

Bedrooms

Size	% of units
No bedroom (studio)	5.5%
1 bedroom	5.4%
2 bedrooms	20.6%
3 bedrooms	38.6%
4 bedrooms	26.2%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	6.4%
1 vehicle	35.1%
2 vehicles	41.5%
3 or more	17.0%

Heating fuel

Fuel type	%
Utility gas	90.2%
Electricity	9.8%

Households & families

Household type	Count	%
Married-couple family	1,176	43.7%
Cohabiting couple	228	8.5%
Male householder, no spouse	450	16.7%
Female householder, no spouse	837	31.1%
Households with children under 18	670	24.9%
Households with seniors (65+)	1,106	41.1%
Average household size	2.38

Marital status

Status	Male	Female
Never married	28.1%	27.3%
Married	48.4%	39.4%
Separated	1.0%	0.0%
Widowed	6.7%	13.8%
Divorced	15.8%	19.5%

Education

Less than 9th grade 3.8%

Some HS, no diploma 8.0%

HS graduate 26.1%

Some college, no degree 23.1%

Associate's degree 8.0%

Bachelor's degree 20.4%

Graduate / professional 10.6%

Metric	%
HS diploma or higher	88.2%
Bachelor's or higher	31.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	49	3.2%
Kindergarten	111	7.2%
Elementary school	528	34.4%
High school	616	40.1%
College / grad school	232	15.1%

Employment

Industry of employment

Education & healthcare 22.3%

Manufacturing 13.7%

Retail trade 12.0%

Professional & management 8.9%

Other services 7.6%

Finance & real estate 7.5%

Wholesale trade 7.0%

Construction 6.0%

Arts, food & hospitality 5.3%

Transportation & utilities 5.2%

Public administration 3.3%

Information 1.4%

Occupation

Category	%
Management, business & arts	34.8%
Service	17.3%
Sales & office	24.2%
Natural resources & construction	10.9%
Production & transportation	12.8%

Employment type

Type	%
Private sector	85.6%
Government	8.2%
Self-employed	6.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.2%
Carpool	9.6%
Public transit	0.0%
Walk	2.2%
Work from home	4.6%
Other means	1.4%
Avg commute (minutes)	19.0

Poverty

All people 6.1%

Under 18 years 1.9%

18 and over 7.2%

Married-couple families 1.7%

Female-led households 4.7%

Income support

Source	% of households
Social Security	43.0%
Retirement income	21.3%
Supplemental Security	6.0%
Cash public assistance	2.9%
Food stamps / SNAP	7.8%

Health indicators

Condition	%
Obesity	33.5%
High blood pressure	36.9%
High cholesterol	34.1%
Diabetes	11.4%
Heart disease	7.6%
Stroke	3.5%
Asthma	9.0%
Arthritis	27.3%
Kidney disease	3.4%
Pulmonary disease	7.5%
Cancer	8.4%

Behavior / access	%
Smoking	15.0%
Binge drinking	13.5%
No physical activity	22.9%
Less than 7 hrs sleep	29.0%
Depression	19.7%
Fair or poor health	14.3%
Poor mental health	13.3%
Poor physical health	10.2%
No health insurance	11.3%
Visited doctor (checkup)	79.2%
Visited dentist	64.9%
Cholesterol screening	91.4%
Teeth loss	13.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	350	6.7%

Disability	%
Any disability	14.2%
Under 18	4.5%
18–64 years	10.4%
65 and over	31.4%

Health insurance coverage

Type	%
Private insurance	71.0%
Public insurance	36.4%
No insurance	8.0%
Uninsured under 19	6.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,255	95.8%
Spanish	57	0.9%
Other Indo-European	15	0.2%
Asian & Pacific Islander	11	0.2%
Other languages	22	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,386	97.8%
Born in same state	6,367	97.5%
Born in different state	4,777	73.1%
Foreign born	19	0.3%
Naturalized citizen	146	2.2%
Not a US citizen	126	86.3%

Ancestry

Ancestry	Count	%
Italian	687	10.5%
French	581	8.9%
Arab	481	7.4%
Irish	139	2.1%

Ancestry	Count	%
English	92	1.4%
Polish	86	1.3%
Dutch	47	0.7%

Technology access

Metric	% of households
Computer access	41.2%
Internet access	96.2%

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

Frequently asked questions about ZIP code 46635

What city is ZIP code 46635 in?

ZIP code 46635 is primarily assigned to South Bend, Indiana.

What county is ZIP code 46635 in?

ZIP code 46635 falls within St Joseph County, Indiana.

Does ZIP code 46635 have an older population?

25% of residents in ZIP code 46635 are 65 or older, above the national average of ~17%.

Does ZIP code 46635 have a large retiree population?

43% of households in ZIP code 46635 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 46635?

The median home value in ZIP code 46635 is $168,600.

What is the population of ZIP code 46635?

ZIP code 46635 has an estimated population of 6,532 residents, with a density of 2,106 people per square mile.

What timezone is ZIP code 46635 in?

ZIP code 46635 observes the EST timezone.