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ZIP Code 46528

Elkhart, Indiana

ZCTA 46528

Juniper

ZIP Code 46528 is in the lowest 18% nationally for FEMA risk score. It also sits in the highest 12% nationally for home price growth over the past year. And it sits in the highest 36% nationally for median income.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$294,191

Lower than 61% of U.S. ZIP codes
Home Price Growth, Past Five Years

56%

Higher than 60% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

37.2

Lower than 82% of U.S. ZIP codes

The boundary of ZIP Code 46528, in Elkhart, Indiana.

The basics

Total Population

26,248

Median Age

32.2

Population Density

362.1

Home values & property tax

Median Property Tax

$2,044

Property Tax Rateyearly tax as a share of home value

0.83%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

3.04×

Near the U.S. ZIP codes median
Median Income

$81,529

Higher than 64% of U.S. ZIP codes
Median Rent

$1,051

Near the U.S. ZIP codes median

Home prices & appreciation

Home Price Growth, Past Year

10%

Higher than 88% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

43%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

11%

Climate & weather

Summer Avg High (°F)

81.5

Winter Avg Low (°F)

20.8

Avg Temperature (°F)

50.1

Hot Days/yr (>90°F)

12.4

Freezing Days/yr (<32°F)

130.1

Annual Precipitation (in)

39.6

Annual Snowfall (in)

45.2

Flood & disaster risk

FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

37.2

Lower than 82% of U.S. ZIP codes

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 46528: frequently asked questions

What is the typical home value in ZIP Code 46528?
The estimated median home value in ZIP Code 46528 today is $294,191, lower than 61% of U.S. ZIP codes.
How much is property tax in ZIP Code 46528?
The median annual property tax in ZIP Code 46528 is $2,044, an effective rate of 0.83% of home value.
Is ZIP Code 46528 expensive to live in?
Homes in ZIP Code 46528 cost about 3.04× the median household income, near the U.S. ZIP codes median.
What is the average rent in ZIP Code 46528?
The median gross rent in ZIP Code 46528 is $1,051 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 46528?
Home prices in ZIP Code 46528 have moved 56% over the past five years (10% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 46528?
ZIP Code 46528 has a population of 26,248, about 362.1 people per square mile, per the U.S. Census American Community Survey. The median age is 32.2.
What is the weather like in ZIP Code 46528?
ZIP Code 46528 averages 50.1°F year-round, summer highs near 81.5°F, winter lows around 20.8°F (NOAA 1991–2020 normals). It sees about 45.2 inches of snow a year.
Is ZIP Code 46528 at risk of flooding or natural disasters?
ZIP Code 46528's FEMA National Risk Index score is 37.2 (lower than 82% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap contributors (ODbL), EPA. Explore the map →

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