46613 ZIP Code — South Bend, IN

St Joseph County, Indiana

ZIP code 46613 is located in South Bend, Indiana, within St Joseph County. It covers approximately 3.22 square miles and serves a population of 11,864 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46613

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 $63,400. Owner-occupancy sits near the national average at 57%.

Median household income is $43,585. Poverty affects 33% of residents, above the national average. SNAP benefit usage at 23% of households reflects economic stress in the area.

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.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (28%) compared to national benchmarks.

Overall, ZIP code 46613 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and elevated reliance on food assistance.

11,864

population

3.22

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46613 ZIP code map

Cities in ZIP code 46613

Below are the cities the US Postal Service accepts for ZIP code 46613. Using any city not on this list may result in mail delivery delays.

City	Status
South Bend	Preferred

Nearby ZIP codes

46601 South Bend (1.3 mi) 46699 South Bend (2 mi) 46626 South Bend (2 mi) 46617 South Bend (2.2 mi) 46615 South Bend (2.7 mi) 46616 South Bend (2.9 mi) 46614 South Bend (3.8 mi) 46619 South Bend (4.5 mi) 46637 South Bend (5.1 mi) 46635 South Bend (5.3 mi) 46628 South Bend (6 mi) 46545 Mishawaka (6.6 mi)

Demographics updated 05/2026

Population
Total population	11,864
Population density	3,684 / sq mi
State FIPS	18
County FIPS	141

Geography
Land area	3.22 sq mi
Water area	0.03 sq mi
Latitude	41.6549
Longitude	-86.2602
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	63.7%	46.1%	42.9%
$50k – $100k	25.9%	31.7%	32.7%
$100k – $200k	8.8%	18.0%	19.8%
Over $200k	1.6%	4.2%	4.5%

Demographics & statistics

11,864

Population

3,684

People per sq mi

28.5

Median age

$43,585

Median household income

$18,522

Per capita income

$63,400

Median home value

$951

Median monthly rent

57.1%

Home ownership

32.5%

Poverty rate

6.1%

Unemployment

2,900

Housing units

13.4%

Bachelor's or higher

Age distribution

Male Female

477

Under 5

506

575

5–9

611

498

10–14

529

570

15–19

605

488

20–24

518

848

25–34

900

699

35–44

743

641

45–54

681

286

55–59

304

210

60–64

223

249

65–74

265

166

75–84

177

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	3,822	32.2%
18 and over	8,042	67.8%
65 and over	952	8.0%
Median age	28.5 years

Race & ethnicity

White 47.3%

Black or African American 18.2%

Two or more races 12.6%

Hispanic or Latino 12.5%

Other race 6.9%

American Indian / Alaska Native 1.4%

Asian 1.1%

Group	Count	%
White	6,414	47.3%
Black or African American	2,473	18.2%
Two or more races	1,704	12.6%
Hispanic or Latino	1,690	12.5%
Other race	938	6.9%
American Indian / Alaska Native	183	1.4%
Asian	152	1.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	63.7%	46.1%	42.9%
$50k – $100k	25.9%	31.7%	32.7%
$100k – $200k	8.8%	18.0%	19.8%
Over $200k	1.6%	4.2%	4.5%

Under $10k 9.4%

$10k–$15k 7.1%

$15k–$25k 10.6%

$25k–$35k 14.1%

$35k–$50k 21.0%

$50k–$75k 17.2%

$75k–$100k 10.1%

$100k–$150k 6.4%

$150k–$200k 2.3%

$200k+ 1.9%

Range	% of households
Under $10k	9.4%
$10k–$15k	7.1%
$15k–$25k	10.6%
$25k–$35k	14.1%
$35k–$50k	21.0%
$50k–$75k	17.2%
$75k–$100k	10.1%
$100k–$150k	6.4%
$150k–$200k	2.3%
$200k+	1.9%
Median income	$43,585

Housing

Home values

Under $50k 31.5%

$50k–$100k 46.1%

$100k–$150k 16.8%

$150k–$200k 1.9%

$200k–$300k 0.9%

$300k–$500k 2.3%

$500k–$1M 0.5%

Housing overview

Metric	Value
Median home value	$63,400
Median rent / month	$951
Owner occupied	57.1%
Renter occupied	42.9%
Vacant	14.2%
Single-family detached	89.4%
Large apartment buildings	0.4%
Mobile homes	1.1%
Median rooms	5.6
Avg household size (owned)	2.64

Year built

Era	%
2020 or later	0.0%
2010–2019	1.6%
2000–2009	3.4%
1990–1999	4.3%
1980–1989	0.7%
1970–1979	4.5%
1960–1969	5.9%
1950–1959	19.1%
1940–1949	14.3%
1939 or earlier	46.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.0%
1 bedroom	5.0%
2 bedrooms	38.8%
3 bedrooms	37.0%
4 bedrooms	13.5%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	7.9%
1 vehicle	40.1%
2 vehicles	34.4%
3 or more	17.6%

Heating fuel

Fuel type	%
Utility gas	85.8%
Electricity	11.4%
Propane / LP gas	2.0%
Solar	0.8%

Households & families

Household type	Count	%
Married-couple family	1,130	28.7%
Cohabiting couple	573	14.6%
Male householder, no spouse	929	23.6%
Female householder, no spouse	1,302	33.1%
Households with children under 18	1,742	44.3%
Households with seniors (65+)	787	20.0%
Average household size	2.85

Marital status

Status	Male	Female
Never married	51.5%	48.0%
Married	30.8%	29.1%
Separated	2.5%	4.0%
Widowed	0.9%	5.1%
Divorced	14.3%	13.9%

Education

Less than 9th grade 6.2%

Some HS, no diploma 11.1%

HS graduate 39.3%

Some college, no degree 20.2%

Associate's degree 9.7%

Bachelor's degree 9.0%

Graduate / professional 4.4%

Metric	%
HS diploma or higher	82.7%
Bachelor's or higher	13.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	156	3.9%
Kindergarten	261	6.5%
Elementary school	1,724	43.0%
High school	766	19.1%
College / grad school	1,098	27.4%

Employment

Industry of employment

Education & healthcare 21.5%

Manufacturing 20.7%

Retail trade 15.1%

Arts, food & hospitality 11.7%

Professional & management 9.2%

Other services 6.4%

Finance & real estate 5.2%

Construction 3.5%

Transportation & utilities 2.6%

Information 1.4%

Agriculture & mining 0.8%

Wholesale trade 0.8%

Public administration 0.8%

Occupation

Category	%
Management, business & arts	28.7%
Service	19.2%
Sales & office	19.2%
Natural resources & construction	7.4%
Production & transportation	25.5%

Employment type

Type	%
Private sector	88.1%
Government	8.0%
Self-employed	3.6%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	68.5%
Carpool	13.7%
Public transit	2.8%
Walk	3.5%
Work from home	10.2%
Other means	1.3%
Avg commute (minutes)	21.7

Poverty

All people 32.5%

Under 18 years 43.3%

18 and over 27.0%

Married-couple families 13.2%

Female-led households 52.5%

Income support

Source	% of households
Social Security	24.7%
Retirement income	13.4%
Supplemental Security	6.3%
Cash public assistance	5.6%
Food stamps / SNAP	23.3%

Health indicators

Condition	%
Obesity	43.6%
High blood pressure	36.0%
High cholesterol	28.8%
Diabetes	13.2%
Heart disease	6.8%
Stroke	3.9%
Asthma	11.2%
Arthritis	23.7%
Kidney disease	3.4%
Pulmonary disease	9.5%
Cancer	4.8%

Behavior / access	%
Smoking	27.7%
Binge drinking	15.0%
No physical activity	33.7%
Less than 7 hrs sleep	37.1%
Depression	23.7%
Fair or poor health	23.3%
Poor mental health	19.3%
Poor physical health	14.2%
No health insurance	21.6%
Visited doctor (checkup)	75.6%
Visited dentist	44.8%
Cholesterol screening	83.8%
Teeth loss	27.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	406	5.0%

Disability	%
Any disability	16.0%
Under 18	13.1%
18–64 years	14.6%
65 and over	38.0%

Health insurance coverage

Type	%
Private insurance	46.5%
Public insurance	48.5%
No insurance	12.0%
Uninsured under 19	5.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,881	91.7%
Spanish	652	6.0%
Other Indo-European	576	5.3%
Asian & Pacific Islander	0	0.0%
Other languages	76	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,880	91.7%
Born in same state	10,847	91.4%
Born in different state	7,737	65.2%
Foreign born	33	0.3%
Naturalized citizen	984	8.3%
Not a US citizen	264	26.8%

Ancestry

Ancestry	Count	%
Italian	1,089	9.2%
French	712	6%
Arab	449	3.8%
Irish	283	2.4%

Ancestry	Count	%
Norwegian	56	0.5%
Polish	45	0.4%
English	31	0.3%

Technology access

Metric	% of households
Computer access	33.2%
Internet access	90.1%

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

Frequently asked questions about ZIP code 46613

What city is ZIP code 46613 in?

ZIP code 46613 is primarily assigned to South Bend, Indiana.

What county is ZIP code 46613 in?

ZIP code 46613 falls within St Joseph County, Indiana.

What is the poverty rate in ZIP code 46613?

33% of residents in ZIP code 46613 live below the poverty line, above the national average.

Is ZIP code 46613 family-oriented?

32% of residents in ZIP code 46613 are under 18, reflecting a younger, family-oriented community.

How educated is the population of ZIP code 46613?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 46613?

The median home value in ZIP code 46613 is $63,400.

What timezone is ZIP code 46613 in?

ZIP code 46613 observes the EST timezone.