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ZIP Code 46561

St. Joseph, Indiana

ZCTA 46561

Juniper

ZIP Code 46561 is in the lowest 11% nationally for FEMA risk score. It also sits in the highest 25% nationally for median income. And it sits in the lowest 30% nationally for home price against income.

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

$276,954

Lower than 65% of U.S. ZIP codes
Home Price Growth, Past Five Years

55%

Higher than 59% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

28.1

Lower than 89% of U.S. ZIP codes

The boundary of ZIP Code 46561, in St. Joseph, Indiana.

The basics

Total Population

13,996

Median Age

37.2

Population Density

1,031.69

Home values & property tax

Median Property Tax

$1,647

Property Tax Rateyearly tax as a share of home value

0.71%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

2.51×

Lower than 70% of U.S. ZIP codes
Median Income

$91,711

Higher than 75% of U.S. ZIP codes
Median Rent

$1,199

Higher than 64% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

3.8%

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

47%

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

11%

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)

39.1

Annual Snowfall (in)

36.9

Flood & disaster risk

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

28.1

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 46561: frequently asked questions

What is the typical home value in ZIP Code 46561?
The estimated median home value in ZIP Code 46561 today is $276,954, lower than 65% of U.S. ZIP codes.
How much is property tax in ZIP Code 46561?
The median annual property tax in ZIP Code 46561 is $1,647, an effective rate of 0.71% of home value.
Is ZIP Code 46561 expensive to live in?
Homes in ZIP Code 46561 cost about 2.51× the median household income, lower than 70% of U.S. ZIP codes.
What is the average rent in ZIP Code 46561?
The median gross rent in ZIP Code 46561 is $1,199 a month, higher than 64% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 46561?
Home prices in ZIP Code 46561 have moved 55% over the past five years (3.8% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 46561?
ZIP Code 46561 has a population of 13,996, about 1,031.69 people per square mile, per the U.S. Census American Community Survey. The median age is 37.2.
What is the weather like in ZIP Code 46561?
ZIP Code 46561 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 36.9 inches of snow a year.
Is ZIP Code 46561 at risk of flooding or natural disasters?
ZIP Code 46561's FEMA National Risk Index score is 28.1 (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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