| City: | South Bend, Indiana |
| County: | St Joseph County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 12:38:56 AM |
| Population: | 11,427 [See All] |
| Area Code: | 574 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 41.6549, -86.2602 |
| Land Area: | 3.216 sq mi |
| Quick Link: |
ZIP Code 46613 has 11,427 residents and 3,932 households (average 2.81 persons per household). The median age is 29.6 years, significantly younger than the state (38.2) and significantly younger than the nation (38.8). The gender split is 48.7% male and 51.3% female, which is about the same as the state male share (49.3%), making this a female-majority area. Largest groups are White (44.6%, much lower than the state average of 77.2% and well below the national average of 61.6%) and Hispanic or Latino (26.5%); Hispanic or Latino residents make up 26.5%, which is much higher than the state average (8.2%), and Black or African American share is much higher than both the state (9.6%) and national averages (12.4%) and Other / Two or More Races share is much higher than the state average (3.9%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 11,427Source: Census DHC |
| 2023 ACS Population Estimate: | 11,726Source: Census ACS |
| 2025 ZC Population Estimate: | 11,776Source: ZIP-Codes.com |
| Population Density: | 3,553.2 people per sq mile |
| Average Income: | $41,625Source: Census ACS |
| Households: | 3,932Source: Census DHC |
| Average House Value: | $71,000Source: Census ACS |
| Persons Per Household: | 2.81Source: Census DHC |
| Average Family Size: | 3.84Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 11,536 | 11,193 | 11,196 | 11,110 | 11,336 | 10,872 | 10,874 | 10,980 | 11,327 | 11,595 | 11,931 | 11,864 | 11,726 |
| Decennial Census | 10,893 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 11,427 | -- | -- | -- |
Median Age: 29.6
Male Median Age: 29.4
Female Median Age: 29.9
| 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 | 495 | 462 | 518 | 526 | 461 | 379 | 410 | 315 | 344 | 263 | 325 | 350 | 273 | 196 | 102 | 74 | 49 | 23 |
| Female | 463 | 468 | 510 | 558 | 477 | 469 | 401 | 367 | 390 | 335 | 335 | 313 | 284 | 177 | 126 | 85 | 39 | 65 |
| Total | 958 | 930 | 1,028 | 1,084 | 938 | 848 | 811 | 682 | 734 | 598 | 660 | 663 | 557 | 373 | 228 | 159 | 88 | 88 |
| White: | 5,095 | 39.76% |
| Black: | 2,895 | 22.59% |
| Hispanic:* | 3,028 | 23.63% |
| Asian: | 78 | 0.61% |
| American Indian: | 124 | 0.97% |
| Hawaiian: | 10 | 0.08% |
| Other: | 1,584 | 12.36% |
| Total: | 12,814 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 5,565 | 48.70% | 29.4 years |
| Females: | 5,862 | 51.30% | 29.9 years |
| Total: | 11,427 | 100% | 29.6 years |
| Native, born in the United States: | 10,619 | 90.56% |
| Native, born in PR, Island Areas, or abroad: | 58 | 0.49% |
| Foreign born, naturalized U.S. citizen: | 296 | 2.52% |
| Foreign born, not a U.S. citizen: | 753 | 8.95% |
| Total Population: | 11,726 | 100% |
| Total Native Population: | 10,677 | 91.05% |
| Total Foreign-born Population: | 1,049 | 8.95% |
In 2023, the Median household income is $41,625, which is well under the national median ($78,538), is up $6,777 (19.4%) since 2011 and above its 2019 pre-pandemic level by $1,917. Family households earn a median of $40,815 versus $29,336 for nonfamily households (a difference of $11,479). By gender, male median income is $39,359 and female is $33,393, which is considerably lower than the national female median ($53,445), with a current gap of $5,966 that has narrowed from 2011 to 2023. The labor-force participation rate is 59.6%, which is lower than the state rate (64.0%). The unemployment rate is 6.4%, which is much higher than the state rate (4.3%). The largest occupation group is Management (27.2%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $34,848 | $30,044 | $28,777 | $29,250 | $29,855 | $31,279 | $36,758 | $38,828 | $39,708 | $40,602 | $41,445 | $43,585 | $41,625 |
| Median Family Income | $34,219 | $30,313 | $30,783 | $29,444 | $31,952 | $36,257 | $39,371 | $41,000 | $41,474 | $39,834 | $39,019 | $41,250 | $40,815 |
| Median NonFamily Income | $26,941 | $26,427 | $23,474 | $20,052 | $21,339 | $20,167 | $23,529 | $25,076 | $30,000 | $33,778 | $37,083 | $32,138 | $29,336 |
| Median Male Income | $35,828 | $35,422 | $32,969 | $34,390 | $32,112 | $33,003 | $33,259 | $35,597 | $38,955 | $36,496 | $40,846 | $39,311 | $39,359 |
| Median Female Income | $25,706 | $25,347 | $26,667 | $26,557 | $26,001 | $26,491 | $28,432 | $28,673 | $30,793 | $30,566 | $30,862 | $33,085 | $33,393 |
| Employed: | 4,657 | 55.81% |
| Unemployed: | 319 | 3.82% |
| Not In Labor Force: | 3,369 | 40.37% |
| Total: | 8,345 | 100% |
| Management, business, science, and arts: | 1,266 | 27.18% |
| Service: | 911 | 19.56% |
| Sales and Office: | 1,082 | 23.23% |
| Natural resources, construction, and maintenance: | 344 | 7.39% |
| Production, transportation, and material moving: | 1,054 | 22.63% |
| Total Civilian Employed Population: | 4,657 | 100% |
In 2023, the median home value is $71,000, which is much lower than the national median ($303,400), is up $11,100 (18.53%) since 2011 and above its 2019 pre-pandemic level by $15,700. The median gross rent is $991, which is well under the national median ($1,348), is up $171 (20.85%) since 2011 and above its 2019 pre-pandemic level by $182. Of occupied housing, owners make up 54.78% (48.22% with a mortgage, 51.78% free-and-clear) and renters 45.22% - making this ZIP Code less home ownership than the state and higher than national rental averages. The vacancy rate is 14.94%, which is markedly above the state rate (9.20%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $59,900 | $56,900 | $54,000 | $50,100 | $44,900 | $47,500 | $50,800 | $52,500 | $55,300 | $55,400 | $57,300 | $63,400 | $71,000 |
| Less than $500: | 55 | 3.01% |
| $500 to $999: | 810 | 44.26% |
| $1,000 to $1,499: | 801 | 43.77% |
| $1,500 to $1,999: | 49 | 2.68% |
| $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: | 115 | 6.28% |
| Total: | 1,830 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $820 | $818 | $802 | $785 | $749 | $742 | $756 | $800 | $809 | $881 | $925 | $951 | $991 |
| Owner Occupied (with mortgage): | 1,069 | 26.41% |
| Owner Occupied (free and clear, no mortgage): | 1,148 | 28.37% |
| Renter Occupied: | 1,830 | 45.22% |
| Total Occupied Housing Units: | 4,047 | 100% |
| Occupied Housing Units: | 4,047 | 85.06% |
| Vacant Housing Units (not graphed): | 711 | 14.94% |
| Total Housing Units: | 4,758 | 100% |
| Single-Family Units: | 4,360 | 91.64% |
| Multi-Family Units: | 388 | 8.15% |
| Other Units: | 10 | 0.21% |
| Total Housing Units: | 4,758 | 100% |
In 2023, 13.10% 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 81.80%, which is markedly below the state rate (90.20%). The uninsured rate is 11.00%, which is notably higher than the state rate (7.60%). Private coverage is 42.10%, which is generally lower than the state rate (69.00%). Public coverage is 53.20%, which is markedly above the state rate (35.40%). The share of people in poverty is 31.80%, which is markedly above the state rate (8.40%), up 4.40 percentage points since 2011 and above its 2019 pre-pandemic level by 10.10 percentage points. This signals a sharp increase in hardship - a shrinking consumer base, heavy pressure on public services, and job-market contraction risks. Among residents ages 3+, the largest enrollment group is elementary (42.80%). College enrollment is 23.26%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 414 | 6.51% |
| 9th to 12th grade, no diploma: | 743 | 11.68% |
| High school graduate (includes equivalency): | 2,604 | 40.92% |
| Some college, no degree: | 1,225 | 19.25% |
| Associate's degree: | 545 | 8.57% |
| Bachelor's degree: | 606 | 9.52% |
| Graduate or professional degree: | 226 | 3.55% |
| Total: | 6,363 | 100% |
| High school or higher: | 5,206 | 81.82% |
| Bachelor's degree or higher: | 832 | 13.08% |
| Private Insurance: | 4,942 | 39.64% |
| Public Insurance: | 6,241 | 50.06% |
| No Insurance: | 1,285 | 10.31% |
| Total: | 12,468 | 100% |
| Has Health Insurance: | 11,183 | 89.69% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 27.4% | 31.4% | 32.6% | 33.7% | 31.1% | 27.3% | 22.8% | 19.1% | 21.7% | 25.7% | 30.3% | 32.0% | 31.8% |
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.
| Nursery School, Preschool: | 102 | 2.60% |
| Kindergarten: | 260 | 6.62% |
| Elementary school (grades 1-8): | 1,680 | 42.80% |
| High school (grades 9-12): | 970 | 24.71% |
| College or graduate school: | 913 | 23.26% |
| Total: | 3,925 | 100% |
| Early Childhood: | 362 | 9.22% |
| K-12 (Primary & Secondary School): | 2,910 | 74.14% |
ZIP Code 46613 supports both business and residential activity. According to the Business Census (2023), there are 158 business establishments, employing about 1,843 people with an annual payroll of $84,372,000. USPS data shows 4,191 residential mailboxes and 257 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 4,191Source: USPS |
| # Business Mailboxes: | 257Source: USPS |
| Total Delivery Receptacles: | 4,770Source: USPS |
| Single Family Delivery Units: | 4,047Source: USPS |
| Multi Family Delivery Units: | 144Source: USPS |
| # of Businesses: | 158Source: CBP |
| 1st Quarter Payroll: | $20,371,000Source: CBP |
| Annual Payroll: | $84,372,000Source: CBP |
| # of Employees: | 1,843Source: CBP |
ZIP Code 46613 is located in St Joseph County, Indiana, within the South Bend-Mishawaka, IN-MI Metropolitan Statistical Area (CBSA 43780) and Indiana's 2nd Congressional District. This Metro area has a population of 324,180 people, about 3.52% of whom live in ZIP Code 46613. It covers 3.216 sq mi of land and a water area of 0.026 sq mi.
| CBSA Name: | South Bend-Mishawaka, IN-MISource: Census |
| CBSA Number: | 43780Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 324,180Source: Census |
| MSA: | South Bend, IN MSASource: Census |
| Land Area: | 3.216 sq miSource: Census |
| Water Area: | 0.026 sq miSource: Census |
| Congressional District: | 02Source: USPS |
| Congressional Land Area: | 3958.58 sq miSource: Census |
| PMSA: | --Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 1871000Source: Census |
| Place Name: | South Bend city; IndianaSource: Census |
ZIP Code 46613 is in the South Bend Community School Corporation, which serves grades Pre-Kindergarten thru 12th. There are 3 public schools and 2 private school(s) in this ZIP Code. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on November 1, 2025.