The 46545 ZIP Code is associated with the city of Mishawaka in Indiana in St. Joseph County in the United States. The current population estimate is 24,685. The median household income is approximately $42,250, and an estimated 12% of the population is living below the poverty line. The ZIP Code 46545 has a median age of approximately 37.4 years, with 21.0% of residents aged 62 years and older. An estimated 88.2% in this Indiana region have a high school degree or higher, while the per capita income comes in at approximately $26,486.
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The median household income in ZIP Code 46545 is $42,250, while the region's mean household income is $55,190. Breaking income down further, per capita income in the region is $26,486. The per capita income in ZIP Code 46545 of $26,486 is approximately 11.05% less than the per capita income in the U.S. overall of $29,777. An estimated 12.0% of the population is living below the poverty line in this region. This rate is approximately26.32% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 18.5% of the population in 46545 earn $50,000 to $74,999 per year, while an estimated 16.6% earn $35,000 to $49,999 per year, and 1.5% of 46545 residents earn $150,000 to $199,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 8.1% |
| $10,000 to $14,999 per year | 6.2% |
| $15,000 to $24,999 per year | 13.2% |
| $25,000 to $34,999 per year | 15.1% |
| $35,000 to $49,999 per year | 16.6% |
| $50,000 to $74,999 per year | 18.5% |
| $75,000 to $99,999 per year | 10.0% |
| $100,000 to $149,999 per year | 9.0% |
| $150,000 to $199,999 per year | 1.5% |
| $200,000 or more per year | 2.0% |
Looking at race in the population that makes up ZIP Code 46545, 95.2% is one race, while 4.8% are two or more races. Approximately 5.6% of 46545 residents are hispanic or Latino (of any race). The most common race in 46545 (race alone or in combination with one or more other races), is White (85.9%), followed by Black or African American (11.1%) .
| Industry | Percent |
|---|---|
| White | 85.9% |
| Black or African American | 11.1% |
| American Indian and Alaska Native | 2.2% |
| Asian | 3.4% |
| Native Hawaiian and Other Pacific Islander | 0.1% |
| Some other race | 2.2% |
Residents of ZIP Code 46545 are younger than average. The median age of 37.4 years in ZIP Code 46545 is approximately 1.84% lower than the overall median age in the U.S. of 38.1 years. About 81.6% of residents are aged 18 years and older, and 21.0% of residents are 62 years and over. Approximately 17.1% of the population in 46545 falls in the age group 25 to 34 years, while an estimated 11.6% are aged 35 to 44 years. On the low end of the scale, 2.7% of 46545 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 4.9% |
| 5 to 9 years | 3.9% |
| 10 to 14 years | 5.7% |
| 15 to 19 years | 7.2% |
| 20 to 24 years | 8.3% |
| 25 to 34 years | 17.1% |
| 35 to 44 years | 11.6% |
| 45 to 54 years | 11.6% |
| 55 to 59 years | 5.1% |
| 60 to 64 years | 6.6% |
| 65 to 74 years | 10.2% |
| 75 to 84 years | 4.8% |
| 85 years and over | 2.7% |
In ZIP Code 46545, 92.2% of the population lists "English only" as the language spoken in home, while 1.7% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.9% of homes, and other Indo-European languages are spoken in 3.1% of homes. Lastly, 1.2% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this St. Joseph County region.
| Language Spoken | Percent |
|---|---|
| English only | 92.2% |
| Spanish | 1.7% |
| Other Indo-European languages | 1.9% |
| Asian and Pacific Islander languages | 3.1% |
| Other languages | 1.2% |
Regarding the age of homes in ZIP Code 46545, an estimated 18.5% of homes were built between 1990 and 1999. Additionally, 18.1% of homes in the region were built between 1970 and 1979, while an estimated 0.5% of homes were built between 2010 and 2013 in this St. Joseph County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.2% |
| Built between 2010 and 2013 | 0.5% |
| Built between 2000 and 2009 | 8.4% |
| Built between 1990 and 1999 | 18.5% |
| Built between 1980 and 1989 | 14.0% |
| Built between 1970 and 1979 | 18.1% |
| Built between 1960 and 1969 | 13.2% |
| Built between 1950 and 1959 | 9.8% |
| Built between 1940 and 1949 | 6.1% |
| Built in 1939 or earlier | 10.2% |
In ZIP Code 46545, 88.2% of the population graduated high school, while 27.6% have a bachelor's degree or higher. In this region, 3.2% achieved an education level less than 9th grade, while 10.7% hold a graduate or professional degree. Approximately 32.2% in this St. Joseph County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 3.2% |
| 9th to 12th grade, no diploma | 8.6% |
| High school graduate (includes equivalency) | 32.2% |
| Some college, no degree | 19.8% |
| Associate's degree | 8.6% |
| Bachelor's degree | 16.9% |
| Graduate or professional degree | 10.7% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 46545 is current access to health insurance, as an estimated 91.4% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 46545 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 91.4% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 46545 has an average daily solar radiation level of 4.65 kWh/m2/day. This is approximately 12.86% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 29.44% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 46545 | 8.5¢/kWh | 7.21¢/kWh | 5.43¢/kWh |
| Indiana | 14.87¢/kWh | 12.39¢/kWh | 8.05¢/kWh |
| United States | 16.63¢/kWh | 13.39¢/kWh | 8.72¢/kWh |
| Month | ZIP Code 46545 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 2.73 | 1.9 | 5.84 |
| Feb | 3.66 | 3 | 6.31 |
| Mar | 4.9 | 3.65 | 7.02 |
| Apr | 5.43 | 5.13 | 7.3 |
| May | 5.54 | 5.17 | 7.13 |
| Jun | 5.86 | 5.72 | 6.95 |
| Jul | 5.9 | 6.22 | 6.51 |
| Aug | 5.89 | 6.08 | 6.65 |
| Sep | 5.61 | 5.15 | 7.02 |
| Oct | 4.37 | 3.32 | 6.92 |
| Nov | 3.33 | 2.33 | 5.99 |
| Dec | 2.54 | 1.78 | 5.46 |
Regarding consumer complaints about financial products in ZIP Code 46545, credit reporting or other personal consumer reports have received the most complaints in 46545 in the past 12 months. Credit reporting or credit repair services received the second most complaints. The most frequent complaint overall in this St. Joseph County region was improper use of a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or other personal consumer reports | 39 |
| Credit reporting or credit repair services | 34 |
| Debt collection | 14 |
| Checking or savings account | 7 |
| Money transfer, virtual currency, or money service | 3 |
| Other | 11 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Improper use of your report | 30 |
| Incorrect information on your report | 24 |
| Problem with a credit reporting company's investigation | 9 |
| Problem with a company's investigation into an existing problem | 8 |
| Attempts to collect debt not owed | 5 |
| Other | 32 |
In 46545, 65.1% of the population is in the labor force. Recent estimates place 1.9% as working from home, while the total labor force in the region has a mean travel to time to work of 19.6 minutes. Approximately 27.0% of the employed population 16 years and over in 46545 work in educational services, and health care and social assistance, while an estimated 17.9% work in manufacturing. On the lower end of the scale, just 0.2% of 46545 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.2% |
| Construction | 3.0% |
| Manufacturing | 17.9% |
| Wholesale trade | 2.8% |
| Retail trade | 15.7% |
| Transportation and warehousing, and utilities | 5.3% |
| Information | 1.5% |
| Finance and insurance, and real estate and rental and leasing | 4.3% |
| Professional, scientific, management, and administrative | 7.1% |
| Educational services, and health care and social assistance | 27.0% |
| Arts, entertainment, and recreation, and accommodation and food services | 9.2% |
| Other services, except public administration | 4.1% |
| Public administration | 2.0% |