Osceola ZIP Codes — St Joseph County, IN

There is one unique ZIP code in Osceola, Indiana and it is 46561. Area code: 574.

ZIP codes

13.57

sq mi land

0.47

sq mi water

574

area code

Osceola, IN ZIP code map

About Osceola, IN

Osceola is a charming town located in the state of Indiana, within St Joseph County. Known for its tight-knit community and small-town atmosphere, it offers residents a blend of rural charm and accessibility to nearby urban amenities. The town is easily navigable and features a variety of local businesses, parks, and recreational opportunities.

Location & geography

Geographically, Osceola is situated in the northern part of Indiana, and it shares proximity to several notable cities; for example, South Bend is just about 10 miles to the northwest, while Mishawaka lies approximately 8 miles to the west. The area covers a total land area of 13.57 square miles, complemented by a water area of 0.47 square miles. The terrain of Osceola is primarily flat, typical of the northern Indiana landscape, making it accessible for outdoor activities.

Community & economy

The community in Osceola is characterized by its friendly residents and an active involvement in local events and activities. The economy is largely supported by small businesses and light industries, which serve both the local population and the broader regional market. Daily life in Osceola embodies a relaxed pace, with community gatherings, local sports events, and family-friendly activities being a mainstay for residents.

Transportation

Osceola is conveniently located near several major highways, with U.S. Route 20 running closely to the north and providing easy access to neighboring cities. The town is serviced by the 574 area code, which covers a wide region in north-central Indiana, including South Bend and Elkhart. The nearest major airport is South Bend International Airport, located about 12 miles away, offering regional and limited national flights.

History

Osceola was founded in the mid-1800s and has evolved from its agricultural roots to develop a mixed economy that features a variety of local industries. Over the years, notable events have shaped its character, particularly the growth of community-oriented projects and infrastructure development. Today, Osceola reflects a blend of its rich history and modern advancements, making it a unique place in Indiana.

Did you know?

One surprising fact about Osceola is that it hosts a variety of community events throughout the year, which foster engagement among residents. Additionally, the town features picturesque parks and recreational areas that are well-maintained, appealing to both locals and visitors alike.

ZIP codes for Osceola, IN (1)

ZIP code	City	County	Map
46561	Osceola	St Joseph	View map

Demographics & statistics

14,658

Population

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

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%
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	%
High blood pressure	30.4%
High cholesterol	31.2%
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	%
Binge drinking	17.3%
No physical activity	22.0%
Less than 7 hrs sleep	31.7%
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%
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

What ZIP codes does Osceola, IN have?

Osceola, IN has one ZIP code: 46561. Each ZIP code serves a distinct delivery area within the city and surrounding region.