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ZIP Code 46628

St. Joseph, Indiana

ZCTA 46628

Juniper

ZIP Code 46628 is in the lowest 2% nationally for FEMA risk score. It also sits in the lowest 20% nationally for typical home value. And it sits in the lowest 32% nationally for median income.

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

$222,685

Lower than 80% 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

12.7

Lower than 98% of U.S. ZIP codes

The boundary of ZIP Code 46628, in St. Joseph, Indiana.

The basics

Total Population

27,685

Median Age

37.4

Population Density

810.12

Home values & property tax

Median Property Tax

$1,533

Property Tax Rateyearly tax as a share of home value

0.84%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

2.95×

Lower than 56% of U.S. ZIP codes
Median Income

$61,759

Lower than 68% of U.S. ZIP codes
Median Rent

$1,104

Higher than 57% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

5.7%

Higher than 68% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

50%

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

11%

Climate & weather

Summer Avg High (°F)

81

Winter Avg Low (°F)

19.7

Avg Temperature (°F)

49.3

Hot Days/yr (>90°F)

13.5

Freezing Days/yr (<32°F)

126.4

Annual Precipitation (in)

39.2

Annual Snowfall (in)

64.5

Flood & disaster risk

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

12.7

Lower than 98% 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 46628: frequently asked questions

What is the typical home value in ZIP Code 46628?
The estimated median home value in ZIP Code 46628 today is $222,685, lower than 80% of U.S. ZIP codes.
How much is property tax in ZIP Code 46628?
The median annual property tax in ZIP Code 46628 is $1,533, an effective rate of 0.84% of home value.
Is ZIP Code 46628 expensive to live in?
Homes in ZIP Code 46628 cost about 2.95× the median household income, lower than 56% of U.S. ZIP codes.
What is the average rent in ZIP Code 46628?
The median gross rent in ZIP Code 46628 is $1,104 a month, higher than 57% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 46628?
Home prices in ZIP Code 46628 have moved 58% over the past five years (5.7% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 46628?
ZIP Code 46628 has a population of 27,685, about 810.12 people per square mile, per the U.S. Census American Community Survey. The median age is 37.4.
What is the weather like in ZIP Code 46628?
ZIP Code 46628 averages 49.3°F year-round, summer highs near 81°F, winter lows around 19.7°F (NOAA 1991–2020 normals). It sees about 64.5 inches of snow a year.
Is ZIP Code 46628 at risk of flooding or natural disasters?
ZIP Code 46628's FEMA National Risk Index score is 12.7 (lower than 98% 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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