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ZIP Code 46530

St. Joseph, Indiana

FIPS 46530

Juniper

ZIP Code 46530 is in the top 20% nationally for FEMA risk score. It also sits in the 89th percentile nationally for median rent. And it sits in the top 24% nationally for appreciation 1yr %.

Median Home Value

$345,400

Higher than 75% of U.S. ZIP codes

HPI Growth 5yr %

48%

Higher than 71% of U.S. ZIP codes

FEMA Risk Score

36

Lower than 80% of U.S. ZIP codes

The basics

Total Population

31,598

Median Age

39.8

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$345,400

Higher than 75%

Median Property Tax

$2,772

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.83

Near median

Median Rent

$1,754

Higher than 89%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

48%

Higher than 71%

Appreciation 1yr %

3%

Higher than 76%

Pandemic Gain %

44%

Recession Drop %

-7.1%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

81.4

Winter Avg Low (°F)

19.7

Avg Temperature (°F)

49.8

Hot Days/yr (>90°F)

16.8

Freezing Days/yr (<32°F)

133

Annual Precipitation (in)

40.9

Annual Snowfall (in)

36.9

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

36

Lower than 80%

The full report

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

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 46530: frequently asked questions

What is the median home value in ZIP Code 46530?
The median home value in ZIP Code 46530 is $345,400, higher than 75% of U.S. ZIP codes.
How much is property tax in ZIP Code 46530?
The median annual property tax in ZIP Code 46530 is $2,772, an effective rate of 1% of home value.
Is ZIP Code 46530 expensive to live in?
Homes in ZIP Code 46530 cost about 2.83× the median household income, near the U.S. ZIP codes median.
What is the average rent in ZIP Code 46530?
The median gross rent in ZIP Code 46530 is $1,754 a month, higher than 89% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 46530?
Home prices in ZIP Code 46530 have moved 48% over the past five years (3% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 46530?
ZIP Code 46530 averages 49.8°F year-round, summer highs near 81.4°F, winter lows around 19.7°F (NOAA 1991–2020 normals). It sees about 36.9 inches of snow a year.
Is ZIP Code 46530 at risk of flooding or natural disasters?
ZIP Code 46530's FEMA National Risk Index score is 36 (lower than 80% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

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