46628 ZIP Code — South Bend, IN

St Joseph County, Indiana

ZIP code 46628 is located in South Bend, Indiana, within St Joseph County. It covers approximately 34.18 square miles and serves a population of 27,344 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46628

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 $152,000. Owner-occupancy sits near the national average at 67%.

Median household income is $52,882. Poverty affects 21% of residents, above the national average. 32% 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 21 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Overall, ZIP code 46628 reflects a community defined by economic challenges above the national average and a significant Social Security-dependent population.

27,344

population

34.18

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46628 ZIP code map

Cities in ZIP code 46628

Below are the cities the US Postal Service accepts for ZIP code 46628. Using any city not on this list may result in mail delivery delays.

City	Status
South Bend	Acceptable
South Bend	Preferred

Nearby ZIP codes

46616 South Bend (4.1 mi) 46619 South Bend (4.2 mi) 46637 South Bend (5 mi) 46626 South Bend (5.2 mi) 46699 South Bend (5.2 mi) 46601 South Bend (5.4 mi) 46617 South Bend (5.7 mi) 46613 South Bend (6 mi) 46615 South Bend (7 mi) 46635 South Bend (7 mi) 46552 New Carlisle (7.7 mi) 46614 South Bend (8.6 mi)

Demographics updated 06/2026

Population
Total population	27,344
Population density	800 / sq mi
State FIPS	18
County FIPS	141

Geography
Land area	34.18 sq mi
Water area	0.66 sq mi
Latitude	41.7169
Longitude	-86.3405
Timezone	Eastern (ET)
Area code	574

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.9%	46.1%	42.9%
$50k – $100k	27.3%	31.7%	32.7%
$100k – $200k	17.3%	18.0%	19.8%
Over $200k	2.5%	4.2%	4.5%

Demographics & statistics

27,344

Population

800

People per sq mi

36.6

Median age

$52,882

Median household income

$28,355

Per capita income

$152,000

Median home value

$989

Median monthly rent

67.0%

Home ownership

21.0%

Poverty rate

4.0%

Unemployment

8,562

Housing units

25.3%

Bachelor's or higher

Age distribution

Male Female

905

Under 5

1,080

833

5–9

993

979

10–14

1,168

769

15–19

917

719

20–24

858

1,785

25–34

2,130

1,369

35–44

1,634

1,676

45–54

2,000

736

55–59

878

851

60–64

1,016

1,053

65–74

1,256

561

75–84

670

232

85+

276

← Male

Female →

Age summary

Group	Count	%
Under 18	7,131	26.1%
18 and over	20,213	73.9%
65 and over	4,048	14.8%
Median age	36.6 years

Race & ethnicity

White 54.7%

Black or African American 28.6%

Hispanic or Latino 6.1%

Two or more races 5.9%

Other race 3.1%

Asian 1.3%

Native Hawaiian / Pacific Islander 0.3%

Group	Count	%
White	15,923	54.7%
Black or African American	8,335	28.6%
Hispanic or Latino	1,764	6.1%
Two or more races	1,722	5.9%
Other race	894	3.1%
Asian	385	1.3%
Native Hawaiian / Pacific Islander	77	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.9%	46.1%	42.9%
$50k – $100k	27.3%	31.7%	32.7%
$100k – $200k	17.3%	18.0%	19.8%
Over $200k	2.5%	4.2%	4.5%

Under $10k 7.6%

$10k–$15k 7.1%

$15k–$25k 7.2%

$25k–$35k 11.1%

$35k–$50k 15.2%

$50k–$75k 18.2%

$75k–$100k 9.2%

$100k–$150k 15.4%

$150k–$200k 6.2%

$200k+ 2.8%

Range	% of households
Under $10k	7.6%
$10k–$15k	7.1%
$15k–$25k	7.2%
$25k–$35k	11.1%
$35k–$50k	15.2%
$50k–$75k	18.2%
$75k–$100k	9.2%
$100k–$150k	15.4%
$150k–$200k	6.2%
$200k+	2.8%
Median income	$52,882

Housing

Home values

Under $50k 15.3%

$50k–$100k 20.5%

$100k–$150k 13.5%

$150k–$200k 17.7%

$200k–$300k 20.6%

$300k–$500k 8.9%

$500k–$1M 2.8%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$152,000
Median rent / month	$989
Owner occupied	67.0%
Renter occupied	33.0%
Vacant	11.0%
Single-family detached	80.5%
Large apartment buildings	3.5%
Mobile homes	1.1%
Median rooms	5.7
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.0%
2010–2019	3.3%
2000–2009	12.9%
1990–1999	14.5%
1980–1989	6.2%
1970–1979	12.0%
1960–1969	6.9%
1950–1959	17.4%
1940–1949	10.5%
1939 or earlier	16.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	5.7%
2 bedrooms	30.2%
3 bedrooms	46.4%
4 bedrooms	11.6%
5+ bedrooms	5.0%

Vehicles per household

Vehicles	% of households
No vehicle	11.4%
1 vehicle	35.6%
2 vehicles	38.6%
3 or more	14.5%

Heating fuel

Fuel type	%
Utility gas	85.2%
Electricity	11.5%
Propane / LP gas	1.6%
Fuel oil	0.5%
Wood	0.7%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	4,339	40.2%
Cohabiting couple	615	5.7%
Male householder, no spouse	1,964	18.2%
Female householder, no spouse	3,876	35.9%
Households with children under 18	3,252	30.1%
Households with seniors (65+)	3,105	28.8%
Average household size	2.52

Marital status

Status	Male	Female
Never married	37.1%	35.0%
Married	48.9%	40.1%
Separated	1.1%	1.4%
Widowed	3.6%	9.3%
Divorced	9.3%	14.2%

Education

Less than 9th grade 2.6%

Some HS, no diploma 8.1%

HS graduate 34.2%

Some college, no degree 20.3%

Associate's degree 9.5%

Bachelor's degree 17.5%

Graduate / professional 7.9%

Metric	%
HS diploma or higher	89.3%
Bachelor's or higher	25.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	416	6.2%
Kindergarten	325	4.9%
Elementary school	3,358	50.2%
High school	1,337	20.0%
College / grad school	1,249	18.7%

Employment

Industry of employment

Education & healthcare 26.6%

Manufacturing 18.9%

Retail trade 10.4%

Arts, food & hospitality 8.8%

Professional & management 6.4%

Transportation & utilities 6.2%

Construction 5.5%

Other services 5.2%

Finance & real estate 4.9%

Wholesale trade 2.9%

Public administration 2.3%

Information 2.0%

Occupation

Category	%
Management, business & arts	30.1%
Service	18.5%
Sales & office	23.6%
Natural resources & construction	7.5%
Production & transportation	20.3%

Employment type

Type	%
Private sector	84.7%
Government	12.1%
Self-employed	3.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.0%
Carpool	10.5%
Public transit	1.8%
Walk	1.9%
Work from home	8.4%
Other means	2.3%
Avg commute (minutes)	20.9

Poverty

All people 21.0%

Under 18 years 33.1%

18 and over 16.7%

Married-couple families 4.6%

Female-led households 39.0%

Income support

Source	% of households
Social Security	32.3%
Retirement income	20.2%
Supplemental Security	5.0%
Cash public assistance	4.1%
Food stamps / SNAP	17.0%

Health indicators

Condition	%
Obesity	41.0%
High blood pressure	38.8%
High cholesterol	32.3%
Diabetes	13.7%
Heart disease	7.4%
Stroke	4.2%
Asthma	10.7%
Arthritis	26.2%
Kidney disease	3.6%
Pulmonary disease	9.2%
Cancer	6.3%

Behavior / access	%
Smoking	23.5%
Binge drinking	13.8%
No physical activity	30.3%
Less than 7 hrs sleep	35.4%
Depression	21.7%
Fair or poor health	20.9%
Poor mental health	16.9%
Poor physical health	13.1%
No health insurance	17.3%
Visited doctor (checkup)	78.0%
Visited dentist	52.4%
Cholesterol screening	88.0%
Teeth loss	21.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,313	6.5%

Disability	%
Any disability	15.7%
Under 18	7.2%
18–64 years	14.3%
65 and over	36.1%

Health insurance coverage

Type	%
Private insurance	57.4%
Public insurance	45.0%
No insurance	7.1%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	25,359	92.7%
Spanish	1,062	4.2%
Other Indo-European	612	2.4%
Asian & Pacific Islander	168	0.7%
Other languages	208	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	25,767	94.2%
Born in same state	25,577	93.5%
Born in different state	17,848	65.3%
Foreign born	190	0.7%
Naturalized citizen	1,577	5.8%
Not a US citizen	717	45.5%

Ancestry

Ancestry	Count	%
Italian	2,402	8.8%
French	1,714	6.3%
Arab	1,390	5.1%
Irish	699	2.6%
English	231	0.8%

Ancestry	Count	%
Polish	116	0.4%
Dutch	74	0.3%
German	50	0.2%
Norwegian	15	0.1%

Technology access

Metric	% of households
Computer access	39.5%
Internet access	89.9%

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

Frequently asked questions about ZIP code 46628

What city is ZIP code 46628 in?

ZIP code 46628 is primarily assigned to South Bend, Indiana.

What county is ZIP code 46628 in?

ZIP code 46628 falls within St Joseph County, Indiana.

What is the poverty rate in ZIP code 46628?

21% of residents in ZIP code 46628 live below the poverty line, above the national average.

What is the typical home value in ZIP code 46628?

The median home value in ZIP code 46628 is $152,000.

What is the population of ZIP code 46628?

ZIP code 46628 has an estimated population of 27,344 residents, with a density of 800 people per square mile.

What is the median household income in ZIP code 46628?

The median household income in ZIP code 46628 is $52,882, below the national median of ~$75,000.

What timezone is ZIP code 46628 in?

ZIP code 46628 observes the EST timezone.