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ZIP Code 46635

St. Joseph, Indiana

ZCTA 46635

Juniper

ZIP Code 46635 is in the lowest 4% nationally for FEMA risk score. It also sits in the highest 10% nationally for home price growth over five years. And it sits in the highest 18% nationally for home price growth over the past year.

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

$275,348

Lower than 66% of U.S. ZIP codes
Home Price Growth, Past Five Years

72%

Higher than 90% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

16.3

Lower than 96% of U.S. ZIP codes

The boundary of ZIP Code 46635, in St. Joseph, Indiana.

The basics

Total Population

6,410

Median Age

45.7

Population Density

2,067.81

Home values & property tax

Median Property Tax

$2,031

Property Tax Rateyearly tax as a share of home value

0.97%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

2.54×

Lower than 69% of U.S. ZIP codes
Median Income

$81,944

Higher than 64% of U.S. ZIP codes
Median Rent

$955

Lower than 56% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

8.3%

Higher than 82% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

48%

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)

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

16.3

Lower than 96% 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 46635: frequently asked questions

What is the typical home value in ZIP Code 46635?
The estimated median home value in ZIP Code 46635 today is $275,348, lower than 66% of U.S. ZIP codes.
How much is property tax in ZIP Code 46635?
The median annual property tax in ZIP Code 46635 is $2,031, an effective rate of 0.97% of home value.
Is ZIP Code 46635 expensive to live in?
Homes in ZIP Code 46635 cost about 2.54× the median household income, lower than 69% of U.S. ZIP codes.
What is the average rent in ZIP Code 46635?
The median gross rent in ZIP Code 46635 is $955 a month, lower than 56% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 46635?
Home prices in ZIP Code 46635 have moved 72% over the past five years (8.3% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 46635?
ZIP Code 46635 has a population of 6,410, about 2,067.81 people per square mile, per the U.S. Census American Community Survey. The median age is 45.7.
What is the weather like in ZIP Code 46635?
ZIP Code 46635 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 46635 at risk of flooding or natural disasters?
ZIP Code 46635's FEMA National Risk Index score is 16.3 (lower than 96% 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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