46540 ZIP Code
Middlebury, Indiana
January 12, 2026
| ZIP Code: | 46540 |
| City/Town: | Middlebury |
| County: | Elkhart |
| State: | Indiana |
| ZIP Type: | Standard |
| Population: | 13,131 |
| Median Household Income: | $99,328 |
| Per Capita Income: | $44,377 |
| Total Housing Units: | 4,231 |
| Median Home Value: | $300,400 |
| Land Area: | 59.4 sq miles
153.8 sq km |
| Water Area: | 0.5 sq miles
1.3 sq km |
| Coordinates: | 41.6715, -85.6967 |
Population Information (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 13,131 | -- | -- |
| Male: | 7,000 | 53.3% | 49.6% |
| Female: | 6,131 | 46.7% | 50.4% |
| Median Age: | 33.8 yrs | -- | 38.5 yrs |
| Under 5 years: | 1,161 | 8.8% | 5.7% |
| 5 to 9 years: | 1,010 | 7.7% | 6.0% |
| 10 to 14 years: | 1,131 | 8.6% | 6.5% |
| 15 to 19 years: | 1,222 | 9.3% | 6.6% |
| 20 to 24 years: | 983 | 7.5% | 6.7% |
| 25 to 34 years: | 1,172 | 8.9% | 13.7% |
| 35 to 44 years: | 1,743 | 13.3% | 12.9% |
| 45 to 54 years: | 1,539 | 11.7% | 12.4% |
| 55 to 59 years: | 1,005 | 7.7% | 6.5% |
| 60 to 64 years: | 569 | 4.3% | 6.4% |
| 65 to 74 years: | 1,177 | 9.0% | 9.7% |
| 75 to 84 years: | 286 | 2.2% | 4.8% |
| 85 years and over: | 133 | 1.0% | 2.0% |
Housing Information (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $300,400 | -- | $281,900 |
| Median rooms: | 7.1 | -- | 5.5 |
| Median rent: | $1,048 / mo. | -- | $1,268 / mo. |
| Total housing units: | 4,231 | -- | -- |
| Occupied housing units: | 4,050 | 95.7% | 38.0% |
| Vacant housing units: | 181 | 4.3% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 3,549 | 87.6% | 64.8% |
| Renter-occupied: | 501 | 12.4% | 35.2% |
Educational Attainment (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 7,624 | -- | -- |
| Less than 9th grade: | 1,805 | 23.7% | 4.7% |
| 9th to 12th grade, no diploma: | 342 | 4.5% | 6.1% |
| High school graduate: | 2,190 | 28.7% | 26.4% |
| Some college, no degree: | 1,289 | 16.9% | 19.7% |
| Associate degree: | 429 | 5.6% | 8.7% |
| Bachelor's degree: | 981 | 12.9% | 20.9% |
| Graduate or professional degree: | 588 | 7.7% | 13.7% |
| Percent high school graduate or higher: | -- | 71.8% | 89.1% |
| Percent bachelor's degree or higher: | -- | 20.6% | 34.3% |
Income Information (46540 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $99,328 / yr. | $75,149 / yr. |
| Mean household income: | $123,664 / yr. | $105,833 / yr. |
| Median family income: | $102,806 / yr. | $92,646 / yr. |
| Per capita income: | $44,377 / yr. | $41,261 / yr. |
Employment (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 6,404 | -- | 63.5% |
| Employed: | 6,185 | 96.6% | 96.4% |
| Unemployed: | 219 | 3.4% | 5.3% |
| Not in labor force: | 3,184 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 5,278 | 85.3% | 79.7% |
| Government workers: | 567 | 9.2% | 14.2% |
| Self-employed: | 330 | 5.3% | 5.9% |
| Unpaid family workers: | 10 | 0.2% | 0.1% |
Race & Ethnicity (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 12,420 | 94.6% | 61.6% |
| Black or African American: | 172 | 1.3% | 12.4% |
| American Indian/Alaska Native: | 8 | 0.1% | 1.1% |
| Asian: | 85 | 0.6% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 59 | 0.4% | 8.4% |
| Two or more races: | 387 | 2.9% | 10.2% |
| Hispanic or Latino (any race): | 209 | 1.6% | 18.7% |
| Mexican: | 224 | 1.7% | 11.2% |
| Puerto Rican: | 77 | 0.6% | 1.8% |
| Cuban: | 29 | 0.2% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 118 | 0.9% | 81.1% |
Income Distribution (46540 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 54 | 1.3% | 4.9% |
| $10,000 to $14,999: | 119 | 2.9% | 3.8% |
| $15,000 to $24,999: | 71 | 1.8% | 7.0% |
| $25,000 to $34,999: | 275 | 6.8% | 7.4% |
| $35,000 to $49,999: | 393 | 9.7% | 10.7% |
| $50,000 to $74,999: | 550 | 13.6% | 16.1% |
| $75,000 to $99,999: | 581 | 14.3% | 12.8% |
| $100,000 to $149,999: | 988 | 24.4% | 17.1% |
| $150,000 to $199,999: | 371 | 9.2% | 8.8% |
| $200,000 or more: | 648 | 16.0% | 11.4% |
Commute to Work (46540 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 3,884 | 62.8% | 67.8% |
| Carpooled: | 1,095 | 17.7% | 8.7% |
| Public transportation: | 0 | 0.0% | 4.2% |
| Walked: | 52 | 0.8% | 2.5% |
| Other means: | 606 | 9.8% | 0.9% |
| Worked from home: | 455 | 7.4% | 13.8% |
| Mean travel time to work: | 17.7 min | -- | 26.7 min |
Industry (46540 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 111 | 1.8% | 1.6% |
| Construction: | 318 | 5.1% | 6.9% |
| Manufacturing: | 2,673 | 43.2% | 10.0% |
| Wholesale trade: | 122 | 2.0% | 2.4% |
| Retail trade: | 765 | 12.4% | 11.0% |
| Transportation, warehousing, utilities: | 173 | 2.8% | 5.8% |
| Information: | 22 | 0.4% | 1.9% |
| Finance, insurance, real estate: | 198 | 3.2% | 6.7% |
| Professional, scientific, management: | 222 | 3.6% | 12.1% |
| Education, health care, social services: | 883 | 14.3% | 23.3% |
| Arts, entertainment, food services: | 300 | 4.9% | 9.0% |
| Other services: | 206 | 3.3% | 4.7% |
| Public administration: | 192 | 3.1% | 4.7% |
Poverty Status (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 4.2% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 9,080 | 69.1% | 91.3% |
| Private health insurance: | 7,538 | 57.4% | 67.6% |
| Public health coverage: | 2,510 | 19.1% | 35.9% |
| Without health insurance: | 4,051 | 30.9% | 8.7% |
Benefits & Assistance (46540 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 3,393 | 83.8% | 77.4% |
| Social Security income: | 1,092 | 27.0% | 31.0% |
| Retirement income: | 651 | 16.1% | 21.8% |
| Supplemental Security Income (SSI): | 64 | 1.6% | 4.5% |
| Cash public assistance income: | 64 | 1.6% | 1.8% |
| SNAP (food stamps) benefits: | 62 | 1.5% | 11.4% |
Housing Types (46540 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 3,586 | 84.8% | 61.4% |
| 1-unit, attached: | 205 | 4.8% | 6.1% |
| 2 units: | 79 | 1.9% | 3.4% |
| 3 or 4 units: | 17 | 0.4% | 4.3% |
| 5 to 9 units: | 22 | 0.5% | 4.6% |
| 10 to 19 units: | 0 | 0.0% | 4.3% |
| 20 or more units: | 14 | 0.3% | 9.9% |
| Mobile home: | 308 | 7.3% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (46540 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 36 | 0.9% | 0.6% |
| Built 2010 to 2019: | 469 | 11.1% | 8.2% |
| Built 2000 to 2009: | 801 | 18.9% | 13.5% |
| Built 1990 to 1999: | 705 | 16.7% | 13.2% |
| Built 1980 to 1989: | 520 | 12.3% | 13.2% |
| Built 1970 to 1979: | 689 | 16.3% | 14.6% |
| Built 1960 to 1969: | 284 | 6.7% | 10.2% |
| Built 1950 to 1959: | 236 | 5.6% | 9.9% |
| Built 1940 to 1949: | 65 | 1.5% | 4.6% |
| Built 1939 or earlier: | 426 | 10.1% | 12.0% |
Bedrooms (46540 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 16 | 0.4% | 2.4% |
| 1 bedroom: | 138 | 3.3% | 3.0% |
| 2 bedrooms: | 567 | 13.4% | 9.1% |
| 3 bedrooms: | 1,756 | 41.5% | 15.9% |
| 4 bedrooms: | 988 | 23.4% | 18.8% |
| 5 or more bedrooms: | 766 | 18.1% | 17.6% |
Heating Fuel (46540 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 3,205 | 79.1% | 47.1% |
| Bottled, tank, or LP gas: | 228 | 5.6% | 4.9% |
| Electricity: | 334 | 8.2% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 11 | 0.3% | 0.1% |
| Wood: | 269 | 6.6% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 3 | 0.1% | 0.5% |
| No fuel used: | 0 | 0.0% | 0.2% |
Vehicles Available (46540 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 736 | 18.2% | 8.3% |
| 1 vehicle available: | 531 | 13.1% | 32.6% |
| 2 vehicles available: | 1,450 | 35.8% | 37.0% |
| 3 or more vehicles available: | 1,333 | 32.9% | 22.1% |
Home Value Distribution (46540 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 102 | 2.9% | 5.7% |
| $50,000 to $99,999: | 131 | 3.7% | 7.8% |
| $100,000 to $149,999: | 152 | 4.3% | 9.2% |
| $150,000 to $199,999: | 524 | 14.8% | 10.8% |
| $200,000 to $299,999: | 863 | 24.3% | 19.9% |
| $300,000 to $499,999: | 1,112 | 31.3% | 24.1% |
| $500,000 to $999,999: | 494 | 13.9% | 17.0% |
| $1,000,000 or more: | 171 | 4.8% | 5.6% |
Housing Costs (46540 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,558 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $587 / mo. | $584 / mo. |
| Median gross rent: | $1,048 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 3.18 | 2.53 |
| Average household size (renter-occupied): | 3.65 | 2.38 |
Households (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 4,050 | -- | -- |
| Married-couple households: | 2,867 | 70.8% | 47.5% |
| Cohabiting couple households: | 1,219 | 30.1% | 7.0% |
| Male householder, no spouse: | 498 | 12.3% | 5.4% |
| Female householder, no spouse: | 534 | 13.2% | 12.7% |
| Householder living alone: | 1,642 | 40.5% | 28.6% |
| 65 years and over living alone: | 1,148 | 28.3% | 11.8% |
| Average household size: | 3.24 | -- | 2.53 |
| Average family size: | 3.63 | -- | -- |
Marital Status (46540 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 5,137 | -- | -- |
| Never married: | 1,678 | 32.7% | 37.0% |
| Now married: | 2,947 | 57.4% | 49.5% |
| Separated: | 31 | 0.6% | 1.5% |
| Widowed: | 402 | 7.8% | 2.6% |
| Divorced: | 1,167 | 22.7% | 9.3% |
School Enrollment (46540 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,747 | -- | -- |
| Nursery school, preschool: | 92 | 3.3% | 5.8% |
| Kindergarten: | 161 | 5.9% | 5.0% |
| Elementary school (grades 1-8): | 1,573 | 57.3% | 40.5% |
| High school (grades 9-12): | 780 | 28.4% | 21.4% |
| College or graduate school: | 141 | 5.1% | 27.3% |
Veterans & Disability (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 9,029 | -- | -- |
| Veterans: | 471 | 5.2% | 6.3% |
| Civilian noninstitutionalized population: | 13,131 | -- | -- |
| With a disability: | 1,094 | 8.3% | 13.4% |
| Under 18 with disability: | 96 | 8.8% | 5.8% |
| 18 to 64 with disability: | 549 | 50.2% | 10.4% |
| 65 and over with disability: | 449 | 41.0% | 33.4% |
Mobility (Residence 1 Year Ago) (46540 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 11,875 | 90.4% | 86.9% |
| Different house: | 932 | 7.1% | 13.1% |
| Same county: | 492 | 52.8% | 7.0% |
| Different county: | 397 | 42.6% | 3.2% |
| Different state: | 269 | 28.9% | 2.5% |
| Abroad: | 43 | 4.6% | 0.4% |
Place of Birth (46540 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 12,925 | 98.4% | 86.2% |
| Foreign born: | 61 | 0.5% | 13.9% |
| Naturalized citizen: | 206 | 337.7% | 52.7% |
| Not a citizen: | 206 | 337.7% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 206 | 337.7% | 10.5% |
| Asia: | 53 | 86.9% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 94 | 154.1% | 50.0% |
| Northern America: | 0 | 0.0% | 2.2% |
Language Spoken at Home (46540 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 11,970 | -- | -- |
| English only: | 7,608 | 63.6% | 78.3% |
| Language other than English: | 4,362 | 36.4% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 146 | 1.2% | 13.3% |
| Other Indo-European languages: | 4,166 | 34.8% | 3.5% |
| Asian/Pacific Island languages: | 50 | 0.4% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (46540 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 4,050 | 100.0% | 93.1% |
| Households with broadband internet: | 3,308 | 81.7% | 89.4% |
Middlebury, IN46540