46628 ZIP Code
South Bend, Indiana
January 12, 2026
| ZIP Code: | 46628 |
| City/Town: | South Bend |
| County: | St. Joseph |
| State: | Indiana |
| ZIP Type: | Standard |
| Population: | 27,344 |
| Median Household Income: | $52,882 |
| Per Capita Income: | $37,234 |
| Total Housing Units: | 12,122 |
| Median Home Value: | $152,000 |
| Land Area: | 34.2 sq miles
88.5 sq km |
| Water Area: | 0.7 sq miles
1.7 sq km |
| Coordinates: | 41.7202, -86.3202 |
Population Information (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 27,344 | -- | -- |
| Male: | 12,470 | 45.6% | 49.6% |
| Female: | 14,874 | 54.4% | 50.4% |
| Median Age: | 36.6 yrs | -- | 38.5 yrs |
| Under 5 years: | 1,985 | 7.3% | 5.7% |
| 5 to 9 years: | 1,826 | 6.7% | 6.0% |
| 10 to 14 years: | 2,147 | 7.9% | 6.5% |
| 15 to 19 years: | 1,686 | 6.2% | 6.6% |
| 20 to 24 years: | 1,577 | 5.8% | 6.7% |
| 25 to 34 years: | 3,915 | 14.3% | 13.7% |
| 35 to 44 years: | 3,003 | 11.0% | 12.9% |
| 45 to 54 years: | 3,676 | 13.4% | 12.4% |
| 55 to 59 years: | 1,614 | 5.9% | 6.5% |
| 60 to 64 years: | 1,867 | 6.8% | 6.4% |
| 65 to 74 years: | 2,309 | 8.4% | 9.7% |
| 75 to 84 years: | 1,231 | 4.5% | 4.8% |
| 85 years and over: | 508 | 1.9% | 2.0% |
Housing Information (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $152,000 | -- | $281,900 |
| Median rooms: | 5.7 | -- | 5.5 |
| Median rent: | $989 / mo. | -- | $1,268 / mo. |
| Total housing units: | 12,122 | -- | -- |
| Occupied housing units: | 10,794 | 89.0% | 38.0% |
| Vacant housing units: | 1,328 | 11.0% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 7,234 | 67.0% | 64.8% |
| Renter-occupied: | 3,560 | 33.0% | 35.2% |
Educational Attainment (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 18,123 | -- | -- |
| Less than 9th grade: | 465 | 2.6% | 4.7% |
| 9th to 12th grade, no diploma: | 1,472 | 8.1% | 6.1% |
| High school graduate: | 6,201 | 34.2% | 26.4% |
| Some college, no degree: | 3,671 | 20.3% | 19.7% |
| Associate degree: | 1,720 | 9.5% | 8.7% |
| Bachelor's degree: | 3,167 | 17.5% | 20.9% |
| Graduate or professional degree: | 1,427 | 7.9% | 13.7% |
| Percent high school graduate or higher: | -- | 89.3% | 89.1% |
| Percent bachelor's degree or higher: | -- | 25.3% | 34.3% |
Income Information (46628 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $52,882 / yr. | $75,149 / yr. |
| Mean household income: | $70,364 / yr. | $105,833 / yr. |
| Median family income: | $67,256 / yr. | $92,646 / yr. |
| Per capita income: | $37,234 / yr. | $41,261 / yr. |
Employment (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 12,697 | -- | 63.5% |
| Employed: | 12,155 | 96.0% | 96.4% |
| Unemployed: | 509 | 4.0% | 5.3% |
| Not in labor force: | 8,236 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 10,290 | 84.7% | 79.7% |
| Government workers: | 1,474 | 12.1% | 14.2% |
| Self-employed: | 391 | 3.2% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 15,923 | 58.2% | 61.6% |
| Black or African American: | 8,335 | 30.5% | 12.4% |
| American Indian/Alaska Native: | 8 | 0.0% | 1.1% |
| Asian: | 385 | 1.4% | 6.0% |
| Native Hawaiian/Pacific Islander: | 77 | 0.3% | 0.2% |
| Some other race: | 894 | 3.3% | 8.4% |
| Two or more races: | 1,722 | 6.3% | 10.2% |
| Hispanic or Latino (any race): | 1,764 | 6.5% | 18.7% |
| Mexican: | 2,279 | 8.3% | 11.2% |
| Puerto Rican: | 1,793 | 6.6% | 1.8% |
| Cuban: | 225 | 0.8% | 0.7% |
| Other Hispanic or Latino: | 17 | 0.1% | 5.0% |
| Not Hispanic or Latino: | 244 | 0.9% | 81.1% |
Income Distribution (46628 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 822 | 7.6% | 4.9% |
| $10,000 to $14,999: | 762 | 7.1% | 3.8% |
| $15,000 to $24,999: | 775 | 7.2% | 7.0% |
| $25,000 to $34,999: | 1,203 | 11.1% | 7.4% |
| $35,000 to $49,999: | 1,644 | 15.2% | 10.7% |
| $50,000 to $74,999: | 1,962 | 18.2% | 16.1% |
| $75,000 to $99,999: | 995 | 9.2% | 12.8% |
| $100,000 to $149,999: | 1,667 | 15.4% | 17.1% |
| $150,000 to $199,999: | 665 | 6.2% | 8.8% |
| $200,000 or more: | 299 | 2.8% | 11.4% |
Commute to Work (46628 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 8,865 | 72.9% | 67.8% |
| Carpooled: | 1,240 | 10.2% | 8.7% |
| Public transportation: | 215 | 1.8% | 4.2% |
| Walked: | 228 | 1.9% | 2.5% |
| Other means: | 275 | 2.3% | 0.9% |
| Worked from home: | 998 | 8.2% | 13.8% |
| Mean travel time to work: | 20.9 min | -- | 26.7 min |
Industry (46628 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 0 | 0.0% | 1.6% |
| Construction: | 672 | 5.5% | 6.9% |
| Manufacturing: | 2,297 | 18.9% | 10.0% |
| Wholesale trade: | 354 | 2.9% | 2.4% |
| Retail trade: | 1,265 | 10.4% | 11.0% |
| Transportation, warehousing, utilities: | 750 | 6.2% | 5.8% |
| Information: | 239 | 2.0% | 1.9% |
| Finance, insurance, real estate: | 600 | 4.9% | 6.7% |
| Professional, scientific, management: | 776 | 6.4% | 12.1% |
| Education, health care, social services: | 3,230 | 26.6% | 23.3% |
| Arts, entertainment, food services: | 1,070 | 8.8% | 9.0% |
| Other services: | 628 | 5.2% | 4.7% |
| Public administration: | 274 | 2.3% | 4.7% |
Poverty Status (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 21.0% | 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 (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 25,241 | 92.3% | 91.3% |
| Private health insurance: | 15,600 | 57.1% | 67.6% |
| Public health coverage: | 12,208 | 44.6% | 35.9% |
| Without health insurance: | 1,917 | 7.0% | 8.7% |
Benefits & Assistance (46628 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 8,211 | 76.1% | 77.4% |
| Social Security income: | 3,484 | 32.3% | 31.0% |
| Retirement income: | 2,184 | 20.2% | 21.8% |
| Supplemental Security Income (SSI): | 539 | 5.0% | 4.5% |
| Cash public assistance income: | 444 | 4.1% | 1.8% |
| SNAP (food stamps) benefits: | 1,839 | 17.0% | 11.4% |
Housing Types (46628 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 9,760 | 80.5% | 61.4% |
| 1-unit, attached: | 231 | 1.9% | 6.1% |
| 2 units: | 137 | 1.1% | 3.4% |
| 3 or 4 units: | 629 | 5.2% | 4.3% |
| 5 to 9 units: | 438 | 3.6% | 4.6% |
| 10 to 19 units: | 372 | 3.1% | 4.3% |
| 20 or more units: | 426 | 3.5% | 9.9% |
| Mobile home: | 129 | 1.1% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (46628 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 4 | 0.0% | 0.6% |
| Built 2010 to 2019: | 395 | 3.3% | 8.2% |
| Built 2000 to 2009: | 1,566 | 12.9% | 13.5% |
| Built 1990 to 1999: | 1,755 | 14.5% | 13.2% |
| Built 1980 to 1989: | 755 | 6.2% | 13.2% |
| Built 1970 to 1979: | 1,451 | 12.0% | 14.6% |
| Built 1960 to 1969: | 832 | 6.9% | 10.2% |
| Built 1950 to 1959: | 2,114 | 17.4% | 9.9% |
| Built 1940 to 1949: | 1,267 | 10.5% | 4.6% |
| Built 1939 or earlier: | 1,983 | 16.4% | 12.0% |
Bedrooms (46628 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 128 | 1.1% | 2.4% |
| 1 bedroom: | 693 | 5.7% | 3.0% |
| 2 bedrooms: | 3,661 | 30.2% | 9.1% |
| 3 bedrooms: | 5,622 | 46.4% | 15.9% |
| 4 bedrooms: | 1,412 | 11.6% | 18.8% |
| 5 or more bedrooms: | 606 | 5.0% | 17.6% |
Heating Fuel (46628 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 9,193 | 85.2% | 47.1% |
| Bottled, tank, or LP gas: | 173 | 1.6% | 4.9% |
| Electricity: | 1,242 | 11.5% | 40.2% |
| Fuel oil, kerosene, etc.: | 52 | 0.5% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 80 | 0.7% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 16 | 0.1% | 0.5% |
| No fuel used: | 38 | 0.4% | 0.2% |
Vehicles Available (46628 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 1,227 | 11.4% | 8.3% |
| 1 vehicle available: | 3,842 | 35.6% | 32.6% |
| 2 vehicles available: | 4,164 | 38.6% | 37.0% |
| 3 or more vehicles available: | 1,561 | 14.5% | 22.1% |
Home Value Distribution (46628 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 1,108 | 15.3% | 5.7% |
| $50,000 to $99,999: | 1,485 | 20.5% | 7.8% |
| $100,000 to $149,999: | 978 | 13.5% | 9.2% |
| $150,000 to $199,999: | 1,283 | 17.7% | 10.8% |
| $200,000 to $299,999: | 1,491 | 20.6% | 19.9% |
| $300,000 to $499,999: | 645 | 8.9% | 24.1% |
| $500,000 to $999,999: | 200 | 2.8% | 17.0% |
| $1,000,000 or more: | 44 | 0.6% | 5.6% |
Housing Costs (46628 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,186 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $397 / mo. | $584 / mo. |
| Median gross rent: | $989 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.47 | 2.53 |
| Average household size (renter-occupied): | 2.60 | 2.38 |
Households (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 10,794 | -- | -- |
| Married-couple households: | 4,339 | 40.2% | 47.5% |
| Cohabiting couple households: | 1,443 | 13.4% | 7.0% |
| Male householder, no spouse: | 1,964 | 18.2% | 5.4% |
| Female householder, no spouse: | 3,876 | 35.9% | 12.7% |
| Householder living alone: | 3,252 | 30.1% | 28.6% |
| 65 years and over living alone: | 3,105 | 28.8% | 11.8% |
| Average household size: | 2.52 | -- | 2.53 |
| Average family size: | 3.16 | -- | -- |
Marital Status (46628 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 9,837 | -- | -- |
| Never married: | 3,651 | 37.1% | 37.0% |
| Now married: | 4,811 | 48.9% | 49.5% |
| Separated: | 356 | 3.6% | 1.5% |
| Widowed: | 915 | 9.3% | 2.6% |
| Divorced: | 4,045 | 41.1% | 9.3% |
School Enrollment (46628 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 6,685 | -- | -- |
| Nursery school, preschool: | 416 | 6.2% | 5.8% |
| Kindergarten: | 325 | 4.9% | 5.0% |
| Elementary school (grades 1-8): | 3,358 | 50.2% | 40.5% |
| High school (grades 9-12): | 1,337 | 20.0% | 21.4% |
| College or graduate school: | 1,249 | 18.7% | 27.3% |
Veterans & Disability (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 20,180 | -- | -- |
| Veterans: | 1,313 | 6.5% | 6.3% |
| Civilian noninstitutionalized population: | 27,158 | -- | -- |
| With a disability: | 4,259 | 15.7% | 13.4% |
| Under 18 with disability: | 510 | 12.0% | 5.8% |
| 18 to 64 with disability: | 2,292 | 53.8% | 10.4% |
| 65 and over with disability: | 1,457 | 34.2% | 33.4% |
Mobility (Residence 1 Year Ago) (46628 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 23,807 | 87.1% | 86.9% |
| Different house: | 3,078 | 11.3% | 13.1% |
| Same county: | 1,485 | 48.2% | 7.0% |
| Different county: | 1,414 | 45.9% | 3.2% |
| Different state: | 883 | 28.7% | 2.5% |
| Abroad: | 179 | 5.8% | 0.4% |
Place of Birth (46628 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 25,767 | 94.2% | 86.2% |
| Foreign born: | 190 | 0.7% | 13.9% |
| Naturalized citizen: | 1,577 | 830.0% | 52.7% |
| Not a citizen: | 1,577 | 830.0% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 1,577 | 830.0% | 10.5% |
| Asia: | 343 | 180.5% | 31.3% |
| Africa: | 182 | 95.8% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 724 | 381.1% | 50.0% |
| Northern America: | 19 | 10.0% | 2.2% |
Language Spoken at Home (46628 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 25,359 | -- | -- |
| English only: | 22,939 | 90.5% | 78.3% |
| Language other than English: | 2,420 | 9.5% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 1,329 | 5.2% | 13.3% |
| Other Indo-European languages: | 550 | 2.2% | 3.5% |
| Asian/Pacific Island languages: | 344 | 1.4% | 3.5% |
| Other languages: | 197 | 0.8% | 1.0% |
Computers & Internet (46628 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 10,794 | 100.0% | 93.1% |
| Households with broadband internet: | 9,705 | 89.9% | 89.4% |
South Bend, IN46628