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ZIP Code 46554

St. Joseph, Indiana

FIPS 46554

Juniper

ZIP Code 46554 is in the top 16% nationally for HPI growth 5yr %. It also sits in the top 16% nationally for FEMA risk score. And it sits in the top 27% nationally for appreciation 1yr %.

Median Home Value

$203,000

Near the U.S. ZIP codes median

HPI Growth 5yr %

59%

Higher than 84% of U.S. ZIP codes

FEMA Risk Score

30.9

Lower than 84% of U.S. ZIP codes

The basics

Total Population

4,405

Median Age

37.8

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$203,000

Near median

Median Property Tax

$1,528

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.31

Lower than 68%

Median Rent

$960

Higher than 57%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

59%

Higher than 84%

Appreciation 1yr %

2.3%

Higher than 74%

Pandemic Gain %

52%

Recession Drop %

-11%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

80.5

Winter Avg Low (°F)

17.7

Avg Temperature (°F)

48.5

Hot Days/yr (>90°F)

7.3

Freezing Days/yr (<32°F)

140.2

Annual Precipitation (in)

40.9

Annual Snowfall (in)

36.6

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

30.9

Lower than 84%

EAL Flood/Coastal per $1K

0

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 46554: frequently asked questions

What is the median home value in ZIP Code 46554?
The median home value in ZIP Code 46554 is $203,000, near the U.S. ZIP codes median.
How much is property tax in ZIP Code 46554?
The median annual property tax in ZIP Code 46554 is $1,528, an effective rate of 1% of home value.
Is ZIP Code 46554 expensive to live in?
Homes in ZIP Code 46554 cost about 2.31× the median household income, lower than 68% of U.S. ZIP codes.
What is the average rent in ZIP Code 46554?
The median gross rent in ZIP Code 46554 is $960 a month, higher than 57% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 46554?
Home prices in ZIP Code 46554 have moved 59% 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 46554?
ZIP Code 46554 averages 48.5°F year-round, summer highs near 80.5°F, winter lows around 17.7°F (NOAA 1991–2020 normals). It sees about 36.6 inches of snow a year.
Is ZIP Code 46554 at risk of flooding or natural disasters?
ZIP Code 46554's FEMA National Risk Index score is 30.9 (lower than 84% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado. Modeled coastal-flood loss is negligible.

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