What to know about ZIP 46581
ZIP code 46581 covers ZIP 46581 with a population of about 2,645.
At a glance, the area shows median age of 38.2 (near the U.S. median).
It sits in the SOUTH BEND - ELKHART media market.
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ZIP Code 46581 — undefined, undefined Demographics & Data
Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
Working Class
At a glance
Population
2,645
Density
N/A
Median income
$57,240
-24% vs US avg
Home value
$123,300
-65% vs US avg
Median rent
$681
-41% vs US avg
Timezone
N/A
Overview of ZIP Code 46581
Income and economy in ZIP 46581
Median household income in ZIP 46581 is about $57,240 — about 24% below the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 11.1%; unemployment rate near 2.4%; 17.9% of adults with a bachelor’s degree or higher (about 15.8 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Manufacturing, Food services, and Other services; about 7.2% of workers reporting work-from-home (about 8.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).
Housing and affordability in ZIP 46581
Median home value is about $123,300 — about 65% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $681 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 54.3% (about 11.1 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 46581, a household would need roughly $34,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $792. That sits below the local median household income ($57,240), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.