46614 ZIP Code — South Bend, IN

St Joseph County, Indiana

ZIP code 46614 is located in South Bend, Indiana, within St Joseph County. It covers approximately 53.25 square miles and serves a population of 29,545 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46614

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $158,700. Owner-occupancy is high at 77%, well above the national average.

Median household income is $65,395. 36% 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 23 minutes is near the national average.

Educational attainment is near the national average, with 33% of residents holding a bachelor's degree or higher.

Overall, ZIP code 46614 reflects a community defined by high homeownership and a significant Social Security-dependent population.

29,545

population

53.25

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46614 ZIP code map

Cities in ZIP code 46614

Below are the cities the US Postal Service accepts for ZIP code 46614. Using any city not on this list may result in mail delivery delays.

City	Status
South Bend	Preferred

Nearby ZIP codes

46613 South Bend (3.8 mi) 46601 South Bend (5 mi) 46619 South Bend (5.3 mi) 46699 South Bend (5.8 mi) 46626 South Bend (5.8 mi) 46617 South Bend (6 mi) 46615 South Bend (6 mi) 46536 Lakeville (6.1 mi) 46616 South Bend (6.6 mi) 46544 Mishawaka (7.2 mi) 46554 North Liberty (8.3 mi) 46628 South Bend (8.6 mi)

Demographics updated 05/2026

Population
Total population	29,545
Population density	555 / sq mi
State FIPS	18
County FIPS	141

Geography
Land area	53.25 sq mi
Water area	0.06 sq mi
Latitude	41.6016
Longitude	-86.2760
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	43.5%	46.1%	42.9%
$50k – $100k	34.0%	31.7%	32.7%
$100k – $200k	18.7%	18.0%	19.8%
Over $200k	3.8%	4.2%	4.5%

Demographics & statistics

29,545

Population

555

People per sq mi

39.9

Median age

$65,395

Median household income

$36,601

Per capita income

$158,700

Median home value

$852

Median monthly rent

76.9%

Home ownership

9.4%

Poverty rate

3.2%

Unemployment

9,986

Housing units

32.8%

Bachelor's or higher

Age distribution

Male Female

819

Under 5

892

840

5–9

915

1,279

10–14

1,394

668

15–19

728

808

20–24

881

1,820

25–34

1,982

1,591

35–44

1,734

1,719

45–54

1,872

716

55–59

779

921

60–64

1,003

1,730

65–74

1,884

772

75–84

842

458

85+

498

← Male

Female →

Age summary

Group	Count	%
Under 18	6,896	23.3%
18 and over	22,649	76.7%
65 and over	6,184	20.9%
Median age	39.9 years

Race & ethnicity

White 70.4%

Black or African American 12.7%

Two or more races 7.9%

Hispanic or Latino 5.8%

Asian 1.6%

Other race 1.1%

American Indian / Alaska Native 0.4%

Group	Count	%
White	22,090	70.4%
Black or African American	3,989	12.7%
Two or more races	2,491	7.9%
Hispanic or Latino	1,820	5.8%
Asian	502	1.6%
Other race	344	1.1%
American Indian / Alaska Native	129	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.5%	46.1%	42.9%
$50k – $100k	34.0%	31.7%	32.7%
$100k – $200k	18.7%	18.0%	19.8%
Over $200k	3.8%	4.2%	4.5%

Under $10k 6.0%

$10k–$15k 3.4%

$15k–$25k 9.1%

$25k–$35k 9.3%

$35k–$50k 10.2%

$50k–$75k 18.6%

$75k–$100k 13.6%

$100k–$150k 18.1%

$150k–$200k 6.1%

$200k+ 5.4%

Range	% of households
Under $10k	6.0%
$10k–$15k	3.4%
$15k–$25k	9.1%
$25k–$35k	9.3%
$35k–$50k	10.2%
$50k–$75k	18.6%
$75k–$100k	13.6%
$100k–$150k	18.1%
$150k–$200k	6.1%
$200k+	5.4%
Median income	$65,395

Housing

Home values

Under $50k 4.2%

$50k–$100k 15.5%

$100k–$150k 25.7%

$150k–$200k 22.3%

$200k–$300k 18.4%

$300k–$500k 10.1%

$500k–$1M 3.0%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$158,700
Median rent / month	$852
Owner occupied	76.9%
Renter occupied	23.1%
Vacant	4.1%
Single-family detached	80.0%
Large apartment buildings	5.1%
Mobile homes	1.7%
Median rooms	6.1
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.2%
2010–2019	3.3%
2000–2009	7.7%
1990–1999	12.1%
1980–1989	8.0%
1970–1979	12.0%
1960–1969	17.6%
1950–1959	18.3%
1940–1949	11.2%
1939 or earlier	9.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	6.9%
2 bedrooms	22.2%
3 bedrooms	46.5%
4 bedrooms	17.8%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.7%
1 vehicle	36.1%
2 vehicles	42.7%
3 or more	16.5%

Heating fuel

Fuel type	%
Utility gas	86.0%
Electricity	10.8%
Propane / LP gas	1.5%
Fuel oil	0.5%
Wood	0.9%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	5,382	43.8%
Cohabiting couple	661	5.4%
Male householder, no spouse	2,655	21.6%
Female householder, no spouse	3,600	29.3%
Households with children under 18	3,202	26.0%
Households with seniors (65+)	4,466	36.3%
Average household size	2.36

Marital status

Status	Male	Female
Never married	32.4%	29.7%
Married	50.7%	46.1%
Separated	1.7%	1.4%
Widowed	3.6%	12.0%
Divorced	11.5%	10.8%

Education

Less than 9th grade 1.8%

Some HS, no diploma 5.0%

HS graduate 29.2%

Some college, no degree 21.1%

Associate's degree 10.1%

Bachelor's degree 19.2%

Graduate / professional 13.6%

Metric	%
HS diploma or higher	93.2%
Bachelor's or higher	32.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	519	7.1%
Kindergarten	398	5.5%
Elementary school	3,557	48.9%
High school	1,106	15.2%
College / grad school	1,688	23.2%

Employment

Industry of employment

Education & healthcare 26.6%

Manufacturing 15.4%

Retail trade 10.6%

Professional & management 9.4%

Construction 6.9%

Arts, food & hospitality 6.8%

Other services 5.5%

Finance & real estate 5.3%

Transportation & utilities 5.1%

Wholesale trade 3.2%

Public administration 2.9%

Information 1.9%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	41.0%
Service	13.1%
Sales & office	21.3%
Natural resources & construction	9.4%
Production & transportation	15.2%

Employment type

Type	%
Private sector	86.2%
Government	8.9%
Self-employed	4.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.6%
Carpool	7.7%
Public transit	0.1%
Walk	1.2%
Work from home	10.8%
Other means	0.7%
Avg commute (minutes)	23.1

Poverty

All people 9.4%

Under 18 years 9.7%

18 and over 9.2%

Married-couple families 2.7%

Female-led households 23.7%

Income support

Source	% of households
Social Security	36.3%
Retirement income	24.5%
Supplemental Security	5.7%
Cash public assistance	2.1%
Food stamps / SNAP	7.8%

Health indicators

Condition	%
Obesity	35.6%
High blood pressure	36.2%
High cholesterol	33.8%
Diabetes	11.2%
Heart disease	7.4%
Stroke	3.5%
Asthma	9.4%
Arthritis	26.5%
Kidney disease	3.2%
Pulmonary disease	8.1%
Cancer	7.6%

Behavior / access	%
Smoking	18.9%
Binge drinking	14.6%
No physical activity	25.0%
Less than 7 hrs sleep	31.1%
Depression	21.2%
Fair or poor health	15.7%
Poor mental health	14.9%
Poor physical health	11.1%
No health insurance	13.3%
Visited doctor (checkup)	77.6%
Visited dentist	60.6%
Cholesterol screening	89.6%
Teeth loss	15.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,454	6.4%

Disability	%
Any disability	13.6%
Under 18	4.1%
18–64 years	11.4%
65 and over	30.7%

Health insurance coverage

Type	%
Private insurance	73.4%
Public insurance	36.5%
No insurance	4.4%
Uninsured under 19	4.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	27,834	94.2%
Spanish	533	1.9%
Other Indo-European	268	1.0%
Asian & Pacific Islander	64	0.2%
Other languages	89	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	27,913	94.5%
Born in same state	27,505	93.1%
Born in different state	20,520	69.5%
Foreign born	408	1.4%
Naturalized citizen	1,632	5.5%
Not a US citizen	682	41.8%

Ancestry

Ancestry	Count	%
Italian	2,832	9.6%
French	1,985	6.7%
Arab	1,790	6.1%
Irish	1,107	3.7%
English	416	1.4%

Ancestry	Count	%
Polish	212	0.7%
Norwegian	62	0.2%
German	61	0.2%
Dutch	36	0.1%

Technology access

Metric	% of households
Computer access	41.6%
Internet access	91.7%

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

Frequently asked questions about ZIP code 46614

What city is ZIP code 46614 in?

ZIP code 46614 is primarily assigned to South Bend, Indiana.

What county is ZIP code 46614 in?

ZIP code 46614 falls within St Joseph County, Indiana.

Does ZIP code 46614 have a large retiree population?

36% of households in ZIP code 46614 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 46614?

The median home value in ZIP code 46614 is $158,700.

What is the population of ZIP code 46614?

ZIP code 46614 has an estimated population of 29,545 residents, with a density of 555 people per square mile.

What is the median household income in ZIP code 46614?

The median household income in ZIP code 46614 is $65,395, below the national median of ~$75,000.

What timezone is ZIP code 46614 in?

ZIP code 46614 observes the EST timezone.