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ZIP Code 46544

St. Joseph, Indiana

ZCTA 46544

Juniper

ZIP Code 46544 is in the lowest 11% nationally for FEMA risk score. It also sits in the lowest 17% nationally for typical home value. And it sits in the lowest 27% nationally for median income.

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

$209,907

Lower than 83% of U.S. ZIP codes
Home Price Growth, Past Five Years

59%

Higher than 68% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

27.5

Lower than 89% of U.S. ZIP codes

The boundary of ZIP Code 46544, in St. Joseph, Indiana.

The basics

Total Population

31,077

Median Age

35.6

Population Density

781.03

Home values & property tax

Median Property Tax

$1,511

Property Tax Rateyearly tax as a share of home value

0.88%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

2.93×

Lower than 56% of U.S. ZIP codes
Median Income

$58,829

Lower than 73% of U.S. ZIP codes
Median Rent

$1,012

Near the U.S. ZIP codes median

Home prices & appreciation

Home Price Growth, Past Year

3.2%

Near the U.S. ZIP codes median
Pandemic Price Run-Up2019–20 low → 2022–23 peak

52%

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

13%

Climate & weather

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)

38.9

Annual Snowfall (in)

49.9

Flood & disaster risk

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

27.5

Lower than 89% 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 46544: frequently asked questions

What is the typical home value in ZIP Code 46544?
The estimated median home value in ZIP Code 46544 today is $209,907, lower than 83% of U.S. ZIP codes.
How much is property tax in ZIP Code 46544?
The median annual property tax in ZIP Code 46544 is $1,511, an effective rate of 0.88% of home value.
Is ZIP Code 46544 expensive to live in?
Homes in ZIP Code 46544 cost about 2.93× the median household income, lower than 56% of U.S. ZIP codes.
What is the average rent in ZIP Code 46544?
The median gross rent in ZIP Code 46544 is $1,012 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 46544?
Home prices in ZIP Code 46544 have moved 59% over the past five years (3.2% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 46544?
ZIP Code 46544 has a population of 31,077, about 781.03 people per square mile, per the U.S. Census American Community Survey. The median age is 35.6.
What is the weather like in ZIP Code 46544?
ZIP Code 46544 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 49.9 inches of snow a year.
Is ZIP Code 46544 at risk of flooding or natural disasters?
ZIP Code 46544's FEMA National Risk Index score is 27.5 (lower than 89% 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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