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ZIP Code 46540

Elkhart, Indiana

FIPS 46540

Juniper

ZIP Code 46540 is in the top 33% nationally for FEMA risk score. It also sits in the 71th percentile nationally for median home value. And it sits in the 69th percentile nationally for median rent.

Median Home Value

$313,700

Higher than 71% of U.S. ZIP codes

HPI Growth 5yr %

39%

Higher than 61% of U.S. ZIP codes

FEMA Risk Score

50.9

Lower than 67% of U.S. ZIP codes

The basics

Total Population

12,993

Median Age

32.1

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$313,700

Higher than 71%

Median Property Tax

$2,809

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.25

Higher than 59%

Median Rent

$1,148

Higher than 69%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

39%

Higher than 61%

Appreciation 1yr %

-2.3%

Higher than 61%

Pandemic Gain %

35%

Recession Drop %

-11%

Climate & weather

Ranked against U.S. ZIP codes.

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)

40

Annual Snowfall (in)

45.2

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

50.9

Lower than 67%

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 46540: frequently asked questions

What is the median home value in ZIP Code 46540?
The median home value in ZIP Code 46540 is $313,700, higher than 71% of U.S. ZIP codes.
How much is property tax in ZIP Code 46540?
The median annual property tax in ZIP Code 46540 is $2,809, an effective rate of 1% of home value.
Is ZIP Code 46540 expensive to live in?
Homes in ZIP Code 46540 cost about 3.25× the median household income, higher than 59% of U.S. ZIP codes.
What is the average rent in ZIP Code 46540?
The median gross rent in ZIP Code 46540 is $1,148 a month, higher than 69% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 46540?
Home prices in ZIP Code 46540 have moved 39% over the past five years (-2.3% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 46540?
ZIP Code 46540 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 46540 at risk of flooding or natural disasters?
ZIP Code 46540's FEMA National Risk Index score is 50.9 (lower than 67% 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 →