Interactive charts load automatically as you scroll. Hover for data, click to explore trends, and use the menu to export.

Population & Demographics

ZIP Code 46540 has 12,552 residents and 4,086 households (average 3.07 persons per household). The median age is 32.6 years, younger than the state (38.2) and younger than the nation (38.8). The gender split is 50.4% male and 49.6% female, which is slightly higher than the national male share (49.1%). Largest groups are White (93.9%, much higher than the state average of 77.2% and well above the national average of 61.6%) and Hispanic or Latino (2.9%); Hispanic or Latino residents make up 2.9%, which is much lower than the national average (18.7%).

Explore More:Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship

Source: U.S. Census 2020 Demographics & Housing Characteristics (DHC) and U.S. Census 2011-2023 American Community Survey (ACS) 5-Year Estimates.

2020 Population:	12,552Source: Census DHC
2023 ACS Population Estimate:	13,239Source: Census ACS
2025 ZC Population Estimate:	12,983Source: ZIP-Codes.com
Population Density:	211.4 people per sq mile
Average Income:	$99,664Source: Census ACS

Households:	4,086Source: Census DHC
Average House Value:	$297,800Source: Census ACS
Persons Per Household:	3.07Source: Census DHC
Average Family Size:	2.71Source: Census ACS

Population Over Time (with 2010 & 2020 Census Benchmarks)

Line chart of ZIP 46540 population estimates from 2011-2023, with markers for the 2010 and 2020 Decennial Census counts to show growth or decline over time. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2010	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Census ACS Population Estimate	--	11,365	11,501	11,559	11,579	11,837	11,484	11,459	11,789	11,881	12,477	12,825	13,131	13,239
Decennial Census	11,702	--	--	--	--	--	--	--	--	--	12,552	--	--	--

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP05. DEMOGRAPHIC AND HOUSING ESTIMATES

Population by Age & Gender (Total, Male, Female)

Median Age: 32.6

Male Median Age: 31.1

Female Median Age: 34.2

Line chart for ZIP 46540 showing total, male, and female population by age group. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	< 5	5-9	10-14	15-19	20-24	25-29	30-34	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74	75-79	80-84	85+
Male	530	549	573	587	454	379	388	343	352	373	360	357	305	256	214	163	86	63
Female	496	563	520	540	362	306	380	338	400	346	356	383	303	313	252	180	97	85
Total	1,026	1,112	1,093	1,127	816	685	768	681	752	719	716	740	608	569	466	343	183	148

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Pie Chart & Table Comparison Chart

Population by Race

Pie chart of the racial and ethnic makeup of ZIP 46540. Table below includes counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

White:	11,788	94.56%
Black:	51	0.41%
Hispanic:*	365	2.93%
Asian:	76	0.61%
American Indian:	24	0.19%
Hawaiian:	7	0.06%
Other:	155	1.24%
Total:	12,466	100%

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

* NOTE: Hispanic or Latino is an ethnicity, not a race. This means individuals who identify as Hispanic will also be included in one of the race categories (such as White or Black). As a result, the totals shown here may exceed 100% when Hispanic is displayed alongside racial groups.

Pie Chart & Table Comparison Chart

Gender Breakdown

Simple chart showing male vs female share of the population in ZIP Code 46540. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	%	Median Age
Males:	6,332	50.45%	31.1 years
Females:	6,220	49.55%	34.2 years
Total:	12,552	100%	32.6 years

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Nativity & Citizenship

Pie chart showing nativity in ZIP 46540. Categories include native residents (born in the United States, Puerto Rico, U.S. Island Areas, or abroad to American parents) and foreign-born residents. A table below lists counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Native, born in the United States:	12,921	97.60%
Native, born in PR, Island Areas, or abroad:	39	0.29%
Foreign born, naturalized U.S. citizen:	138	1.04%
Foreign born, not a U.S. citizen:	141	2.11%
Total Population:	13,239	100%
Total Native Population:	12,960	97.89%
Total Foreign-born Population:	279	2.11%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Note: Nativity and Citizenship derived from American Community Survey (ACS) 5-year estimates. Total Population listed here will not match official ZIP Code population totals, which are based on the Decennial Census.

Income & Employment

In 2023, the Median household income is $99,664, which is much higher than the state median ($70,051), is up $40,662 (68.9%) since 2011 and above its 2019 pre-pandemic level by $20,205. Family households earn a median of $106,111 versus $61,508 for nonfamily households (a difference of $44,603). By gender, male median income is $72,660 and female is $41,617, which is much lower than the national female median ($53,445), with a current gap of $31,043 that has widened from 2011 to 2023. The labor-force participation rate is 65.5%, which is modestly greater than the national rate (63.5%). The unemployment rate is 2.3%, which is considerably lower than the national rate (5.2%). The largest occupation group is Production (31.8%).

Explore More:Income Over Time Household Income Employment Status By Occupation

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02, DP03, DP04 and DP05.

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Line chart showing median income in ZIP 46540 from 2011-2023 for five series: household, family, nonfamily, male, and female. The table below lists the yearly values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Income Type	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Household Income	$59,002	$55,163	$55,424	$56,521	$58,266	$62,634	$70,660	$76,986	$79,459	$87,910	$92,011	$99,328	$99,664
Median Family Income	$62,711	$59,804	$58,648	$59,557	$61,006	$65,746	$73,975	$80,526	$85,534	$88,722	$93,431	$102,806	$106,111
Median NonFamily Income	$31,367	$30,850	$27,684	$31,831	$41,406	$43,796	$43,789	$46,392	$33,933	$35,625	$58,281	$62,946	$61,508
Median Male Income	$46,037	$47,381	$48,088	$51,402	$51,036	$51,641	$52,207	$57,813	$63,381	$69,588	$73,621	$75,417	$72,660
Median Female Income	$31,392	$31,703	$31,595	$31,176	$31,105	$33,563	$35,913	$37,788	$40,103	$39,643	$37,992	$40,491	$41,617

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Average Household Income

Bar chart showing average household income comparing ZIP 46540, city of Middlebury, Elkhart County, state of Indiana, and United States national values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Pie Chart & Table Comparison Chart

Employment Status

Pie chart of employment status for ZIP 46540, showing the shares who are employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Employed:	6,051	63.96%
Unemployed:	144	1.52%
Not In Labor Force:	3,265	34.51%
Total:	9,460	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Employment by Occupation (Civilian Employed Population, 16 and Over)

Donut Chart showing the distribution of employed civilians aged 16 and over by occupation category: management, service, sales and office, natural resources and construction, and production and transportation. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Management, business, science, and arts:	1,561	25.80%
Service:	706	11.67%
Sales and Office:	1,258	20.79%
Natural resources, construction, and maintenance:	599	9.90%
Production, transportation, and material moving:	1,927	31.85%
Total Civilian Employed Population:	6,051	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS.

Housing & Affordability

In 2023, the median home value is $297,800, which is markedly greater than the state median ($201,600), is up $137,600 (85.89%) since 2011 and above its 2019 pre-pandemic level by $73,800. The median gross rent is $1,074, which is considerably lower than the national median ($1,348), is up $249 (30.18%) since 2011 and above its 2019 pre-pandemic level by $147. Of occupied housing, owners make up 87.73% (67.82% with a mortgage, 32.18% free-and-clear) and renters 12.27% - making this ZIP Code more home ownership than the state and under national rental averages. The vacancy rate is 7.04%, which is much lower than the national rate (10.43%).

Explore More:Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)

Bar chart showing the median home value for ZIP 46540, compared with Middlebury, Elkhart County, state of Indiana, and the U.S. National Average. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Home Value Over Time

Line chart showing median home values for ZIP 46540 across years 2011-2023 using ACS 5-year estimates. The chart displays the typical dollar value of owner-occupied housing units. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Home Value	$160,200	$154,800	$153,800	$158,700	$163,700	$169,000	$180,000	$197,700	$224,000	$257,100	$268,000	$300,400	$297,800

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid

Pie chart of gross rent for renter-occupied homes in ZIP 46540, showing monthly rent brackets and the share of units in each range. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than $500:	12	2.48%
$500 to $999:	152	31.40%
$1,000 to $1,499:	228	47.11%
$1,500 to $1,999:	30	6.20%
$2,000 to $2,499:	0	0.00%
$2,500 to $2,999:	0	0.00%
$3,000 or more:	0	0.00%
No Rent:	62	12.81%
Total:	484	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Gross Rent Over Time

Line chart displaying median gross rent for ZIP 46540 over the years 2011-2023 using ACS 5-year estimates. The chart represents typical monthly housing costs for renter households. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Rent	$825	$793	$789	$768	$792	$827	$891	$844	$927	$928	$943	$1,048	$1,074

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy

Pie chart showing housing occupancy for ZIP 46540. Categories include owner-occupied units with a mortgage, owner-occupied units free and clear, and renter-occupied units. A table below lists counts and percentages. Vacant housing units are shown separately in the Vacancy chart. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Owner Occupied (with mortgage):	2,348	59.50%
Owner Occupied (free and clear, no mortgage):	1,114	28.23%
Renter Occupied:	484	12.27%
Total Occupied Housing Units:	3,946	100%

Occupied Housing Units:	3,946	92.96%
Vacant Housing Units (not graphed):	299	7.04%
Total Housing Units:	4,245	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Housing Type (Single-Family, Multi-Family, Other)

Pie chart showing housing type distribution for ZIP 46540. Categories include single-family units (detached or attached), multi-family units (from 2 units up to 50 or more units), and other structures such as mobile homes or boats/RVs. A table below lists counts and percentages for each group.Load Chart Manually (if needed)

Single-Family Units:	3,742	88.15%
Multi-Family Units:	95	2.24%
Other Units:	408	9.61%
Total Housing Units:	4,245	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Education, Health & Community

In 2023, 18.90% of adults (25+) have a bachelor's degree or higher, which is far lower than the national rate (35.00%). High school or higher is 71.10%, which is markedly below the state rate (90.20%). The uninsured rate is 30.60%, which is markedly above the state rate (7.60%). Public coverage is 20.40%, which is falls below the national rate (36.30%). The share of people in poverty is 4.00%, which is far lower than the national rate (8.70%), down 3.50 percentage points since 2011 and above its 2019 pre-pandemic level by 2.00 percentage points. This suggests a positive shift in the local economic and social landscape - higher incomes, steadier consumer demand, and a strengthening tax base. Among residents ages 3+, the largest enrollment group is elementary (62.26%). College enrollment is 5.48%, which is far lower than the national rate (26.70%), indicating the community may be more oriented toward vocational/trade or direct-to-workforce opportunities.

Explore More:Educational Attainment Health Insurance Poverty Over Time School Enrollment

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02 and DP03.

Educational Attainment of Adults (25 and Older)

Pie chart of educational attainment for adults (25+) in ZIP 46540, including each level from less than 9th grade to graduate/professional. Summary rows show high school or higher and bachelor's or higher. A table lists counts and percentages.Load Chart Manually (if needed)

Less than 9th grade:	1,874	24.71%
9th to 12th grade, no diploma:	315	4.15%
High school graduate (includes equivalency):	2,305	30.39%
Some college, no degree:	1,187	15.65%
Associate's degree:	470	6.20%
Bachelor's degree:	945	12.46%
Graduate or professional degree:	489	6.45%
Total:	7,585	100%
High school or higher:	5,396	71.14%
Bachelor's degree or higher:	1,434	18.91%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Pie Chart & Table Comparison Chart

Health Insurance Coverage by Type (Private, Public, Uninsured)

Pie chart illustrating health insurance coverage by type for ZIP Code 46540. Categories include private insurance, public coverage such as Medicare and Medicaid, and individuals with no health insurance. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Private Insurance:	7,379	52.22%
Public Insurance:	2,703	19.13%
No Insurance:	4,049	28.65%
Total:	14,131	100%
Has Health Insurance:	10,082	71.35%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Percentage of People in Poverty Over Time (2011-2023)

Line chart displaying the share of families and people in ZIP 46540 whose income falls below the federal poverty threshold, using ACS 5-year estimates from 2011 through 2023. The chart shows year-to-year changes in the percentage of people in poverty. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
% of People in Poverty	7.5%	8.9%	7.8%	8.2%	7.8%	6.4%	2.4%	2.7%	2.0%	1.8%	2.2%	2.7%	4.0%

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.

School Enrollment by Education Level (Ages 3 and Older)

Pie Chart showing enrollment of residents ages 3 and older in Nursery School or Preschool, Kindergarten, Elementary (grades 1-8), High School (grades 9-12), and College or Graduate School. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Nursery School, Preschool:	97	3.52%
Kindergarten:	115	4.17%
Elementary school (grades 1-8):	1,716	62.26%
High school (grades 9-12):	677	24.56%
College or graduate school:	151	5.48%
Total:	2,756	100%
Early Childhood:	212	7.69%
K-12 (Primary & Secondary School):	2,508	91.00%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

City:	Middlebury, Indiana
Counties:	Elkhart County[Primary] Lagrange County
Timezone:	Eastern (GMT -05:00)
Local Time:	12:38:15 AM
Population:	12,552 [See All]
Area Code:	574
Classification:	Standard [Normal Street Delivery]
Coordinates:	41.6775, -85.7051
Land Area:	59.384 sq mi
Quick Link:	https://www.zip-codes.com/zip-code/46540/zip-code-46540.asp

# Residential Mailboxes:	4,229Source: USPS
# Business Mailboxes:	283Source: USPS
Total Delivery Receptacles:	4,975Source: USPS
Single Family Delivery Units:	3,980Source: USPS
Multi Family Delivery Units:	40Source: USPS

# of Businesses:	425Source: CBP
1st Quarter Payroll:	$227,944,000Source: CBP
Annual Payroll:	$862,273,000Source: CBP
# of Employees:	14,575Source: CBP

CBSA Name:	Elkhart-Goshen, INSource: Census
CBSA Number:	21140Source: Census
CBSA Type:	MetroSource: Census
CBSA Division:	--Source: Census
CBSA Population:	206,868Source: Census
MSA:	Elkhart-Goshen, IN MSASource: Census
Land Area:	59.384 sq miSource: Census
Water Area:	0.517 sq miSource: Census

Congressional District:	02,03Source: USPS
Congressional Land Area:	3958.58, 4180.37 sq miSource: Census
PMSA:	--Source: Census
Intro Date:	< 2004-10Source: ZIP-Codes.com
Place FIPS Code:	1848924Source: Census
Place Name:	Middlebury town; IndianaSource: Census

ZIP Code 46540 in Middlebury, IN

Population & Demographics

Population Over Time (with 2010 & 2020 Census Benchmarks)

Population by Age & Gender (Total, Male, Female)

Population by Race

Gender Breakdown

Nativity & Citizenship

Income & Employment

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Average Household Income

Employment Status

Employment by Occupation (Civilian Employed Population, 16 and Over)

Housing & Affordability

Median Home Value (Comparison)

Median Home Value Over Time

Gross Rent Paid

Median Gross Rent Over Time

Housing Occupancy

Housing Type (Single-Family, Multi-Family, Other)

Education, Health & Community

Educational Attainment of Adults (25 and Older)

Health Insurance Coverage by Type (Private, Public, Uninsured)

Percentage of People in Poverty Over Time (2011-2023)

School Enrollment by Education Level (Ages 3 and Older)

Business & Employment Statistics

Geography, Land Area, & Statistical Classifications

Adjacent & Nearby ZIP Codes

Schools in ZIP Code 46540

Colleges & Post Secondary Schools near ZIP Code 46540

Sources & References