The 46561 ZIP Code is associated with the city of Osceola in Indiana in St. Joseph County in the United States. The current population estimate is 13,615. The median household income is $72,201, while about 5% of the population is living below the poverty line. The ZIP Code 46561 has a median age of approximately 36.3 years, with 14.8% of residents aged 62 years and older. An estimated 91.1% in this Indiana region have a high school degree or higher, while the per capita income comes in at approximately $27,864.
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The median household income in ZIP Code 46561 is $72,201, while the region's mean household income is $81,258. Breaking income down further, per capita income in the region is $27,864. The per capita income in ZIP Code 46561 of $27,864 is approximately 6.42% less than the per capita income in the U.S. overall of $29,777. An estimated 5.1% of the population is living below the poverty line in this region. This rate is approximately 46.32% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 25.7% of the population in 46561 earn $100,000 to $149,999 per year, while an estimated 19.7% earn $50,000 to $74,999 per year, and 2.4% of 46561 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 3.9% |
| $10,000 to $14,999 per year | 3.8% |
| $15,000 to $24,999 per year | 4.8% |
| $25,000 to $34,999 per year | 5.3% |
| $35,000 to $49,999 per year | 13.7% |
| $50,000 to $74,999 per year | 19.7% |
| $75,000 to $99,999 per year | 15.9% |
| $100,000 to $149,999 per year | 25.7% |
| $150,000 to $199,999 per year | 4.8% |
| $200,000 or more per year | 2.4% |
Looking at race in the population that makes up ZIP Code 46561, 96.2% is one race, while 3.8% are two or more races. Approximately 2.9% of 46561 residents are hispanic or Latino (of any race). The most common race in 46561 (race alone or in combination with one or more other races), is White (96.1%), followed by Black or African American (4.6%) .
| Industry | Percent |
|---|---|
| White | 96.1% |
| Black or African American | 4.6% |
| American Indian and Alaska Native | 0.5% |
| Asian | 2.1% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.7% |
Residents of ZIP Code 46561 are younger than average. The median age of 36.3 years in ZIP Code 46561 is approximately 4.72% lower than the overall median age in the U.S. of 38.1 years. About 71.7% of residents are aged 18 years and older, and 14.8% of residents are 62 years and over. Approximately 14.1% of the population in 46561 falls in the age group 35 to 44 years, while an estimated 14.1% are aged 45 to 54 years. On the low end of the scale, 1.2% of 46561 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 6.5% |
| 5 to 9 years | 8.3% |
| 10 to 14 years | 8.9% |
| 15 to 19 years | 6.2% |
| 20 to 24 years | 6.0% |
| 25 to 34 years | 12.2% |
| 35 to 44 years | 14.1% |
| 45 to 54 years | 14.1% |
| 55 to 59 years | 6.9% |
| 60 to 64 years | 4.7% |
| 65 to 74 years | 8.3% |
| 75 to 84 years | 2.6% |
| 85 years and over | 1.2% |
In ZIP Code 46561, 95.9% 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 2.0% of homes, and other Indo-European languages are spoken in 0.2% of homes. Lastly, 0.2% 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 | 95.9% |
| Spanish | 1.7% |
| Other Indo-European languages | 2.0% |
| Asian and Pacific Islander languages | 0.2% |
| Other languages | 0.2% |
Regarding the age of homes in ZIP Code 46561, an estimated 25.6% of homes were built between 1990 and 1999. Additionally, 17.0% of homes in the region were built between 2000 and 2009, while an estimated 2.2% of homes were built in 2014 or later in this St. Joseph County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 2.2% |
| Built between 2010 and 2013 | 3.3% |
| Built between 2000 and 2009 | 17.0% |
| Built between 1990 and 1999 | 25.6% |
| Built between 1980 and 1989 | 9.9% |
| Built between 1970 and 1979 | 10.8% |
| Built between 1960 and 1969 | 10.3% |
| Built between 1950 and 1959 | 10.6% |
| Built between 1940 and 1949 | 5.7% |
| Built in 1939 or earlier | 4.7% |
In ZIP Code 46561, 91.1% of the population graduated high school, while 23.3% have a bachelor's degree or higher. In this region, 2.5% achieved an education level less than 9th grade, while 7.1% hold a graduate or professional degree. Approximately 35.9% in this St. Joseph County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 2.5% |
| 9th to 12th grade, no diploma | 6.4% |
| High school graduate (includes equivalency) | 35.9% |
| Some college, no degree | 22.0% |
| Associate's degree | 9.9% |
| Bachelor's degree | 16.2% |
| Graduate or professional degree | 7.1% |
One of the leading chronic health issues in ZIP Code 46561 is high cholesterol, as an estimated 31.7% of adults aged 18 and older deal with this issue. Another chronic health issue of concern for residents of 46561 is high blood pressure, as approximately 29.8% of adults 18 and older in this St. Joseph County region contend with that issue.
| Health Issue | Percent of adults* |
|---|---|
| Arthritis | 26.0% |
| High blood pressure | 29.8% |
| Cancer (excluding skin cancer) | 6.4% |
| Current asthma | 10.2% |
| Coronary heart disease | 5.0% |
| Diagnosed diabetes | 9.3% |
| High cholesterol | 31.7% |
| Chronic kidney disease | 2.6% |
| Stroke | 2.6% |
One of the top preventative health measures in ZIP Code 46561 is current access to health insurance, as an estimated 92.3% of adults 18 and older take part in this preventive measure. Additionally, 83.6% of those 18 and above in 46561 list cholesterol screening, as a preventive measure. Common health risk behaviors in 46561 include obesity (34.5% of adults aged 18 and above) and sleeping less than 7 hours (31.7% of those 18 and older).
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 92.3% |
| Taking medicine for high blood pressure control | 76.9% |
| Visits to doctor for routine checkup | 73.8% |
| Cholesterol screening | 83.6% |
| Visits to dentist or dental clinic | 63.5% |
| Risk Behavior | Percent of adults* |
|---|---|
| Binge drinking | 17.7% |
| Current smoking | 17.8% |
| No leisure-time physical activity | 24.3% |
| Obesity | 34.5% |
| Sleeping less than 7 hours | 31.7% |
Regarding solar power potential, ZIP Code 46561 has an average daily solar radiation level of 4.55 kWh/m2/day. This is approximately 10.44% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 30.96% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 46561 | 8.5¢/kWh | 7.21¢/kWh | 5.43¢/kWh |
| Indiana | 15.33¢/kWh | 12.7¢/kWh | 8.03¢/kWh |
| United States | 16.88¢/kWh | 12.66¢/kWh | 7.82¢/kWh |
| Month | ZIP Code 46561 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 2.73 | 1.9 | 5.84 |
| Feb | 3.41 | 3 | 6.31 |
| Mar | 4.92 | 3.65 | 7.02 |
| Apr | 5.19 | 5.13 | 7.3 |
| May | 5.53 | 5.17 | 7.13 |
| Jun | 5.8 | 5.72 | 6.95 |
| Jul | 6.06 | 6.22 | 6.51 |
| Aug | 5.75 | 6.08 | 6.65 |
| Sep | 5.51 | 5.15 | 7.02 |
| Oct | 4.06 | 3.32 | 6.92 |
| Nov | 3.21 | 2.33 | 5.99 |
| Dec | 2.43 | 1.78 | 5.46 |
Regarding consumer complaints about financial products in ZIP Code 46561, credit reporting or other personal consumer reports have received the most complaints in 46561 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 | 20 |
| Credit reporting or credit repair services | 8 |
| Debt collection | 3 |
| Mortgage | 3 |
| Vehicle loan or lease | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Improper use of your report | 22 |
| Incorrect information on your report | 3 |
| Problem with a company's investigation into an existing problem | 3 |
| False statements or representation | 2 |
| Struggling to pay mortgage | 2 |
| Other | 3 |
In 46561, 70.8% of the population is in the labor force. Recent estimates place 5.0% as working from home, while the total labor force in the region has a mean travel to time to work of 23.0 minutes. Approximately 24.4% of the employed population 16 years and over in 46561 work in educational services, and health care and social assistance, while an estimated 18.9% work in manufacturing. On the lower end of the scale, just 0.1% of 46561 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.1% |
| Construction | 7.0% |
| Manufacturing | 18.9% |
| Wholesale trade | 3.7% |
| Retail trade | 13.1% |
| Transportation and warehousing, and utilities | 5.2% |
| Information | 1.5% |
| Finance and insurance, and real estate and rental and leasing | 5.9% |
| Professional, scientific, management, and administrative | 6.6% |
| Educational services, and health care and social assistance | 24.4% |
| Arts, entertainment, and recreation, and accommodation and food services | 6.3% |
| Other services, except public administration | 3.3% |
| Public administration | 4.1% |