Zip Code 46628
South Bend, Indiana — St. Joseph County
📍 ZIP code 46628 is in South Bend, St. Joseph County, Indiana.
ZIP code 46628 is located in South Bend, St. Joseph County, Indiana. It is a zip code in the Eastern (EST/EDT) Time Zone with an estimated population of 27,929. The area code for ZIP code 46628 is 765.
Quick Answer
Zip code 46628 is in South Bend, Indiana (St. Joseph County). It has a population of 27,929, median household income of $56,889, and median home value of $164,500.
Population
27,929
Income
$56,889
Home Value
$164,500
Climate
83°F / 17°F
About Zip Code 46628
Zip code 46628 is located in South Bend, Indiana, within St. Joseph County. Home to approximately 27,929 residents, this area sits at an elevation of 799 ft and falls within the Eastern (EST/EDT) timezone. The local area code is 765.
The median household income is $56,889 per year, which is below the national median of $70,784. Homes in this zip code have a median value of $164,500, and the cost of living index is 61 (39% below the national average of 100).
Summers average a high of 83°F while winters drop to 17°F. The area receives about 39 in of rain and 65 in of snow annually. The zip code covers 35 square miles of land area and 0.7 square miles of water.
Key Statistics
27,929
$56,889
$164,500
Eastern (EST/EDT)
765
799 ft
35 sq mi
36.3
12,266
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Compare With Nearby Zip Codes
| Metric | 46628 | 46616 | 46556 | 46637 | 46619 | 46601 |
|---|---|---|---|---|---|---|
| City | South Bend, IN | South Bend, IN | Notre Dame, IN | South Bend, IN | South Bend, IN | South Bend, IN |
| Population | 27,929 | 6,219 | 8,159 | 16,079 | 21,179 | 4,933 |
| Median Income | $56,889 | $56,293 | $0 | $72,401 | $46,679 | $27,080 |
| Home Value | $164,500 | $136,400 | $0 | $192,000 | $98,400 | $131,600 |
| Cost of Living | 61 | 60 | 100 | 75 | 60 | 60 |
| Median Age | 36.3 | 34.4 | 20.3 | 39 | 38.3 | 39 |
Cost of Living
100 = National Average. South Bend's cost of living is 39% below the national average.
vs. State Avg
Below
Affordability
Very Affordable
Income-to-Home
2.9x
Demographics
Zip code 46628 has a population of 27,929 people with a median age of 36.3. There are 12,266 housing units in this area.
Racial & Ethnic Composition
Source: U.S. Census Bureau American Community Survey estimates.
Population History
South Bend (46628) population trend from 2010 to 2024
↓ -37.1%Source: U.S. Census Bureau estimates and American Community Survey data.
Climate & Weather
83°F
17°F
39 in
65 in
South Bend experiences warm summers with average highs around 83°F. Winters are cold with lows averaging 17°F. With 65 in of annual snowfall, residents should be prepared for significant winter weather.
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Housing & Economy
Median Home Value
$164,500
Median Household Income
$56,889
With 12,266 housing units across 35 square miles, 46628 has a housing density of 350 units per square mile. The home price-to-income ratio is 2.9x.
Location & Geography
Latitude
41.7202°
Longitude
-86.3202°
Land Area
35 sq mi
Water Area
0.7 sq mi
Nearby Zip Codes
Zip codes closest to 46628 (South Bend, IN) with distances:
All Zip Codes in South Bend, IN
Other zip codes serving South Bend:
ZIP Codes with Similar Income Nationwide
The five U.S. ZIP codes whose median household income is closest to 46628's $56,889. A way to compare South Bend to economically similar communities elsewhere in the country.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
ZIP Codes with Similar Demographics
The five U.S. ZIP codes whose racial and ethnic composition most closely matches 46628 (South Bend, IN). Similarity is measured by cosine distance on the five-category ACS demographic vector.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
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People Also Ask
What zip code is South Bend, Indiana?
South Bend, Indiana uses zip code 46628 along with 11 other zip codes.
What county is zip code 46628 in?
Zip code 46628 is located in St. Joseph County, Indiana.
What is the population of zip code 46628?
The population of zip code 46628 is 27,929 with a median age of 36.3.
Is 46628 in South Bend, Indiana?
Yes, zip code 46628 is in South Bend, St. Joseph County, Indiana. The area code is 765.
Frequently Asked Questions
What city is zip code 46628 in?
Zip code 46628 is in South Bend, Indiana. It is part of St. Joseph County and uses the Eastern (EST/EDT) timezone.
What is zip code 46628?
Zip code 46628 is a U.S. postal code in South Bend, Indiana (St. Joseph County). It has a population of 27,929 and covers 35 square miles.
What is the population of zip code 46628?
The population of zip code 46628 (South Bend, IN) is 27,929 with a median age of 36.3. There are approximately 12,266 housing units in this area.
What is the median income in zip code 46628?
The median household income in zip code 46628 (South Bend, IN) is $56,889 per year. The cost of living index is 61 (100 = national average).
What is the average home price in zip code 46628?
The median home value in zip code 46628 (South Bend, IN) is $164,500. The cost of living index is 61 compared to the national average of 100.
What county is zip code 46628 in?
Zip code 46628 is located in St. Joseph County, Indiana. The primary city is South Bend.
What is the area code for zip code 46628?
Zip code 46628 in South Bend, IN uses area code 765. It is located in the Eastern (EST/EDT) timezone.
Is zip code 46628 a good place to live?
Zip code 46628 (South Bend, IN) has a cost of living index of 61 (100 = national average), a median household income of $56,889, and median home values of $164,500. The median age is 36.3. Visit the full page for demographics, climate, and nearby zip code comparisons.
What is the cost of living in zip code 46628?
The cost of living index for zip code 46628 (South Bend, IN) is 61, where 100 represents the national average. This area is below the national average. Median home value: $164,500.
What schools serve zip code 46628?
Zip code 46628 in South Bend, Indiana is served by the local school district of St. Joseph County. For specific school information, check your state's department of education or GreatSchools.org.
All demographic data on this page is sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code boundary and delivery data is sourced from the United States Postal Service (USPS). Data is updated periodically and may not reflect the most current figures. Census Bureau ZIP Code Tabulation Areas (ZCTAs) may differ slightly from USPS ZIP code boundaries.
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Data Sources
- Population, income, housing, age, and demographics
- U.S. Census Bureau, American Community Survey 5-Year Estimates, 2019-2023 vintage.
- ZIP to city and county mapping
- USPS and HUD-USPS ZIP-County Crosswalk.
- Time zones and area codes
- IANA tz database and NANPA.
- Elevation
- U.S. Geological Survey National Elevation Dataset (NED), via the USGS Elevation Point Query Service. Mapped to each ZCTA centroid coordinates. Last refreshed 2026-05-19.
- Last refreshed
- 2026-05-18.