ZIP Code Tabulation Area

46628

South Bend, IN · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
27,685
Median household income
$61,759
People below poverty
19.3%
Median home value
$182,200

Income

The median income of households in 46628 was $61,759. An estimated 7.4% of households had income below $10,000 a year and 4% had income of $200,000 or more.

Household Income in 46628 in 2020-2024

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Percent
Less than $10,000 7.4
$10,000 to $14,999 4.7
$15,000 to $24,999 6.5
$25,000 to $34,999 10.2
$35,000 to $49,999 12.9
$50,000 to $74,999 17.3
$75,000 to $99,999 13.9
$100,000 to $149,999 15
$150,000 to $199,999 8
$200,000 or more 4

Median Earnings for Full-Time Year-Round Workers by Sex in 46628 in 2020-2024

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Dollars
Male 60274
Female 45083

An estimated 74.7% of households received earnings. An estimated 33.7% of households received Social Security and an estimated 24.2 % of households received retirement income other than Social Security. The average income from Social Security was $24,140. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 46628 in 2020-2024

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Percent
Earnings 74.7
Social Security 33.7
Retirement income 24.2
Supplemental Security Income (SSI) 3.8
Cash public assistance income 3

Poverty and Participation in Government Programs

In 2020-2024, 19.3 % of people were in poverty. An estimated 29.9% of children under 18 were below the poverty level, compared with 10% of people 65 years old and over. An estimated 17.1% of people 18 to 64 years were below the poverty level.

Poverty Rates in 46628 in 2020-2024

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Percent
People in poverty 19.3
Children under 18 years below poverty 29.9
People 65 years old and over below poverty 10
People 18 to 64 years below poverty 17.1

In 2020-2024, 14.6 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 57.3% of households that received SNAP had children under 18, and 22.7% of households that received SNAP had one or more people 60 years and over. An estimated 51% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 46628 in 2020-2024, 91.4% had health insurance coverage and 8.6% did not have health insurance coverage. Private coverage was 58.5% and public coverage was 44.5%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 3.1%.


In 2020-2024, 46628 had a total population of 27,685 - 14,646 (52.9%) females and 13,039 (47.1%) males. The median age was 37.4 years. An estimated 25.7% of the population was under 18 years, 31.6% was 19 to 44 years, 25.7% was 45 to 64 years, and 15.1 % was 65 years and older.

Population by Age and Sex for 46628 in 2020-2024

Male Female
Under 5 776 988
5 to 9 883 1094
10 to 14 1145 961
15 to 19 914 892
20 to 24 588 731
25 to 29 1123 1186
30 to 34 998 862
35 to 39 841 871
40 to 44 768 750
45 to 49 839 697
50 to 54 906 1309
55 to 59 733 1019
60 to 64 647 975
65 to 69 728 838
70 to 74 544 497
75 to 79 271 351
80 to 84 196 387
85 and over 139 238

Hispanic Origin and Race

For people reporting one race alone, 57% were White; 26.4% were Black or African American; 3.9% were American Indian and Alaska Native; 1.1% were Asian; 13.1% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 9.9% reported Two or More Races. An estimated 12.2% of the people in 46628 were Hispanic or Latino. An estimated 55.3% of the people in 46628 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 10,787 households in 46628. The average household size was 2.55 people.

Married-couple households made up 41.4% of the households in 46628 while cohabiting couple households made up 6% of households. Female householders with no spouse or partner present were 34.3% of all households, while 18.3% of households had male householders with no spouse or partner present. Some households had one person, as 12.1% of households were male householders living alone, and 17% were female householders living alone, for a total of 29.1% of all households.

In 46628, 27.9% of all households had one or more people under the age of 18; 30.3% of all households had one or more people 65 years and over.

Types of Households in 46628 in 2020-2024

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Percent
Married-couple households 41.4
Cohabiting Couples 6
Male Householder
No spouse/partner present
18.3
Female Householder
No spouse/partner present
34.3

Marital Status

Among persons 15 and older, 46.6% of males and 40.9% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 41.6 33.4
Now married, except separated 46.6 40.9
Separated 1 2.1
Widowed 2.3 8.8
Divorced 8.4 14.8

Grandparents and Grandchildren

In 46628, 437 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 50.8% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 93.9% of the people living in 46628 were U.S. natives. 64.6% of the 46628 population were living in the state where they were born.

Approximately 6.1% of 46628 residents in 2020-2024 were foreign-born. 39.7% of foreign-born were naturalized U.S. citizens and an estimated 52.3 % entered the country before the year 2010.

Foreign-born residents of 46628 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 46628.

Region of Birth for the Foreign-Born Population in 46628 in 2020-2024

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Percent
Latin America 60.4
Asia 17.3
Europe 10.3
Africa 10.8
Northern America 1.1
Oceania 0

Language

Among people at least five years old living in 46628 in 2020-2024, 10.8 % spoke a language other than English at home. Spanish was spoken by 8.1% of people at least five years old; 4.7% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 46628 in 2020-2024

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Percent
Spanish 8.1
Other Indo-European languages 0.9
Asian and Pacific Islander languages 1.2
Other languages 0.6

Geographic Mobility

In 2020-2024, 90.7 % of the people at least one year old living in 46628 were living in the same house one year earlier.

Geographic Mobility of Residents of 46628 in 2020-2024

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Percent
Same house 90.7
Different house, same county 4.6
Different county, same state 1
Different state 3.5
Abroad 0.3

Education

In 2020-2024, 91.1 % of people 25 years and over had at least graduated from high school and 25.4% had a bachelor's degree or higher. An estimated 8.9% did not complete high school.

The total school enrollment in 46628 was 7,095 in 2020-2024. Nursery school enrollment was 519 and kindergarten through 12th grade enrollment was 5,257. College or graduate school enrollment was 1,319.

Educational Attainment of People in 46628 in 2020-2024

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Percent
Less than high school diploma 8.9
High school diploma or equivalency 33.5
Some college, no degree 22.3
Associate's degree 9.8
Bachelor's degree 16.2
Graduate or professional degree 9.2

Disability

In 46628, among the civilian noninstitutionalized population in 2020-2024, 14.5 % reported a disability. The likelihood of having a disability varied by age - from 6.7% of people under 18 years old, to 13.3% of people 18 to 64 years old, and to 32.2% of those 65 and over.


Employment Status and Type of Employer

In 46628, 58.2 % of the population 16 and over were employed; 38.5% were not currently in the labor force.

An estimated 84.9% of the people employed were private wage and salary workers; 11.4% were federal, state, or local government workers; and 3.7 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 10,562 84.9
Federal, state, or local government workers 1,417 11.4
Self-employed workers in own not incorporated business 466 3.7

Industries

In 2020-2024, the civilian employed population 16 years and older in 46628 worked in the following industries:

Percent by Industry in 46628 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.2
Construction 6
Manufacturing 19.3
Wholesale trade 4.1
Retail trade 10.9
Transportation and warehousing, and utilities 7.1
Information 1.7
Finance and insurance, and real estate and rental and leasing 3.6
Professional, scientific, and management, and administrative and waste management services 7.1
Educational services, and health care and social assistance 26.1
Arts, entertainment, and recreation, and accommodation, and food services 7.9
Other Services, except public administration 3.6
Public administration 2.2

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 46628 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 3,939 31.7
Service occupations 2,214 17.8
Sales and office occupations 2,628 21.1
Natural resources, construction, and maintenance occupations 1,023 8.2
Production, transportation, and material moving occupations 2,641 21.2

Commuting to Work

An estimated 72.3% of 46628 workers drove to work alone in 2020-2024, and 12.4% carpooled. Among those who commuted to work, it took them on average 20.4 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 46628 in 2020-2024

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Percent
Car, truck, van -- drove alone 72.3
Car, truck, van -- carpooled 12.4
Public transportation (excluding taxicab) 1.9
Walked 2.2
Other means 1.6
Worked from home 9.6

In 2020-2024, 46628 had a total of 12,156 housing units. Of these housing units, 85.9% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 13.1% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 0.8% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 46628 in 2020-2024

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Percent
Single-family houses 85.9
Apartments in multi-unit structures 13.1
Mobile homes 0.8
Boat, RV, van, etc 0

4.7% of the housing inventory was comprised of houses built since 2010, while 18.7% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 46628 was 5.7 rooms, and of these housing units 65.2% had three or more bedrooms.


In 2020-2024, 46628 had 10,787 housing units that were occupied or had people living in them, while the remaining 1,369 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 68.4% while renters occupied 31.6%. The average household size of owner-occupied houses was 2.44 and in renter-occupied houses it was 2.78.

3% of householders of these occupied houses had moved into their house since 2021, while 9.3% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 9.4% and another 15.7% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 46628:

House Heating Fuel Used in 46628 in 2020-2024

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Percent
Gas 88
Electricity 10.2
Fuel oil, kerosene, etc 0.8
All other fuels 0.6
No fuel used 0.3

In 2020-2024, the median property value for owner-occupied houses in 46628 was $182,200.

Of the owner-occupied households, 60.9 % had a mortgage. 39.1% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,254 and for owners without a mortgage it was $437.

For renter-occupied houses, the median gross rent for 46628 was $1,104. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.