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ZIP Code 46554

St. Joseph, Indiana

ZCTA 46554

Juniper

ZIP Code 46554 is in the lowest 13% nationally for FEMA risk score. It also sits in the lowest 23% nationally for home price against income. And it sits in the lowest 26% nationally for typical home value.

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

$245,858

Lower than 74% of U.S. ZIP codes
Home Price Growth, Past Five Years

59%

Higher than 67% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

31.4

Lower than 87% of U.S. ZIP codes

The boundary of ZIP Code 46554, in St. Joseph, Indiana.

The basics

Total Population

4,405

Median Age

37.8

Population Density

64.8

Home values & property tax

Median Property Tax

$1,528

Property Tax Rateyearly tax as a share of home value

0.75%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

2.31×

Lower than 77% of U.S. ZIP codes
Median Income

$88,068

Higher than 71% of U.S. ZIP codes
Median Rent

$960

Lower than 56% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

2.3%

Lower than 60% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

52%

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

11%

Climate & weather

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

Coastal Flood Loss per $1,000

$0

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 46554: frequently asked questions

What is the typical home value in ZIP Code 46554?
The estimated median home value in ZIP Code 46554 today is $245,858, lower than 74% of U.S. ZIP codes.
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 0.75% 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 77% 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, lower than 56% 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.
How many people live in ZIP Code 46554?
ZIP Code 46554 has a population of 4,405, about 64.8 people per square mile, per the U.S. Census American Community Survey. The median age is 37.8.
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 31.4 (lower than 87% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding. Modeled coastal-flood loss is negligible.

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

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