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ZIP Code 46545

St. Joseph, Indiana

FIPS 46545

Juniper

ZIP Code 46545 is in the top 9% nationally for appreciation 1yr %. It also sits in the top 9% nationally for HPI growth 5yr %. And it sits in the top 14% nationally for FEMA risk score.

Median Home Value

$177,900

Lower than 57% of U.S. ZIP codes

HPI Growth 5yr %

65%

Higher than 91% of U.S. ZIP codes

FEMA Risk Score

27.9

Lower than 86% of U.S. ZIP codes

The basics

Total Population

26,606

Median Age

38.3

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$177,900

Lower than 57%

Median Property Tax

$1,352

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.13

Higher than 56%

Median Rent

$1,027

Higher than 62%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

65%

Higher than 91%

Appreciation 1yr %

7.9%

Higher than 91%

Pandemic Gain %

50%

Recession Drop %

-11%

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)

49.9

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

27.9

Lower than 86%

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 46545: frequently asked questions

What is the median home value in ZIP Code 46545?
The median home value in ZIP Code 46545 is $177,900, lower than 57% of U.S. ZIP codes.
How much is property tax in ZIP Code 46545?
The median annual property tax in ZIP Code 46545 is $1,352, an effective rate of 1% of home value.
Is ZIP Code 46545 expensive to live in?
Homes in ZIP Code 46545 cost about 3.13× the median household income, higher than 56% of U.S. ZIP codes.
What is the average rent in ZIP Code 46545?
The median gross rent in ZIP Code 46545 is $1,027 a month, higher than 62% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 46545?
Home prices in ZIP Code 46545 have moved 65% over the past five years (7.9% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 46545?
ZIP Code 46545 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 46545 at risk of flooding or natural disasters?
ZIP Code 46545's FEMA National Risk Index score is 27.9 (lower than 86% 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 →