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ZIP Code 46616

St. Joseph, Indiana

ZCTA 46616

Juniper

ZIP Code 46616 is in the lowest 1% nationally for FEMA risk score. It also sits in the lowest 9% 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

$178,780

Lower than 91% of U.S. ZIP codes
Home Price Growth, Past Five Years

58%

Higher than 66% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

6.7

Lower than 99% of U.S. ZIP codes

The boundary of ZIP Code 46616, in St. Joseph, Indiana.

The basics

Total Population

5,979

Median Age

33.2

Population Density

4,164.39

Home values & property tax

Median Property Tax

$1,385

Property Tax Rateyearly tax as a share of home value

0.9%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

2.62×

Lower than 67% of U.S. ZIP codes
Median Income

$58,537

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

$1,084

Near the U.S. ZIP codes median

Home prices & appreciation

Home Price Growth, Past Year

2.4%

Lower than 59% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

58%

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

10%

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)

40.9

Annual Snowfall (in)

64.5

Flood & disaster risk

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

6.7

Lower than 99% 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 46616: frequently asked questions

What is the typical home value in ZIP Code 46616?
The estimated median home value in ZIP Code 46616 today is $178,780, lower than 91% of U.S. ZIP codes.
How much is property tax in ZIP Code 46616?
The median annual property tax in ZIP Code 46616 is $1,385, an effective rate of 0.9% of home value.
Is ZIP Code 46616 expensive to live in?
Homes in ZIP Code 46616 cost about 2.62× the median household income, lower than 67% of U.S. ZIP codes.
What is the average rent in ZIP Code 46616?
The median gross rent in ZIP Code 46616 is $1,084 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 46616?
Home prices in ZIP Code 46616 have moved 58% over the past five years (2.4% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 46616?
ZIP Code 46616 has a population of 5,979, about 4,164.39 people per square mile, per the U.S. Census American Community Survey. The median age is 33.2.
What is the weather like in ZIP Code 46616?
ZIP Code 46616 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 64.5 inches of snow a year.
Is ZIP Code 46616 at risk of flooding or natural disasters?
ZIP Code 46616's FEMA National Risk Index score is 6.7 (lower than 99% 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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