ZIP code 46540 is in Elkhart County, Indiana, and crosses into 1 other county. About 12,993 people live here in 3,979 households. The median home value is $313,700 and the median household income $96,615. The average commute takes about 21 minutes.
ZIP code tabulation area · ACS 2020–2024 · Updated October 24, 2026
74%of households have broadbandhome internet subscription
46540 in IndianaZIP codes coloured by median household income
46540
<$45K$125K+
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates · U.S. Census Bureau, 2024 Gazetteer and 2020 ZCTA relationship files
People.
12,993 residents in 3,979 households, next to the Elkhart County figure.
32%
under 18
HereElkhart County
21%
aged 18–34
HereElkhart County
14%
aged 65 and over
HereElkhart County
23%
of households are people living alone
HereElkhart County
67%
of households are married couples
HereElkhart County
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Homes.
4,335 housing units; the median owner-occupied home is valued at $313,700 (±$38,188).
85%
of households own their home
HereElkhart County
83%
of homes are detached single-family houses
HereElkhart County
1%
are in buildings with 5 or more units
HereElkhart County
9%
are mobile homes
HereElkhart County
8%
of housing units are vacant
HereElkhart County
$1,148
median gross rent a month
HereElkhart County
When homes were built
2020 or later3%
2010–201912%
2000–200916%
1990–199919%
1980–198912%
1970–197915%
1960–19693%
1950–19596%
1940–19492%
1939 or earlier13%
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Income and work.
Household income and work, in 2024 dollars; median household income ±$11,060.
$96,615
median household income
HereElkhart County
6.9%
of people live below the poverty line
HereElkhart County
2.3%
unemployment rate
HereElkhart County
20%
of adults 25+ hold a bachelor’s degree or higher
HereElkhart County
The poverty rate uses the federal poverty thresholds, which vary with family size. It says nothing on its own about what a neighborhood is like to live in.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Getting around.
How workers aged 16 and over get to work, and how long it takes.
21 min
average commute to work
HereElkhart County
7%
of commuters travel 45 minutes or more
HereElkhart County
82%
of workers drive or carpool
HereElkhart County
0%
take public transportation
HereElkhart County
8%
walk or bike
HereElkhart County
8%
work from home
HereElkhart County
21%
of households have no car
HereElkhart County
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Internet.
Home internet subscriptions.
74%
of households have a broadband subscription
HereElkhart County
25%
have no internet access at home
HereElkhart County
American Community Survey figures are estimates from a rolling sample, averaged over 2020–2024. Each comes with a margin of error, which is wider in places with fewer people.
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Businesses in 46540.
425 business establishments with paid employees have an address in this ZIP code.
Grocery stores and supermarkets3
Convenience stores0
Pharmacies and drug stores0
Retail bakeries0
Full-service restaurants10
Limited-service restaurants11
Coffee shops and snack bars5
Bars0
Physicians’ offices3
Dentists’ offices0
Child care centers0
Gyms and fitness centers0
Movie theaters0
Museums0
Counts are business establishments with paid employees, by the ZIP code of their address. Self-employed people without staff, and public facilities such as libraries, are not included.
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023
Health.
Estimated share of adults in 46540, next to the national figure.
78%
had a routine checkup in the past year
HereUnited States
60%
visited a dentist in the past year
HereUnited States
11%
of 18–64s have no health insurance
HereUnited States
25%
get no leisure-time physical activity
HereUnited States
35%
usually sleep less than 7 hours
HereUnited States
19%
smoke
HereUnited States
41%
have obesity
HereUnited States
12%
have diagnosed diabetes
HereUnited States
36%
have high blood pressure
HereUnited States
22%
report fair or poor general health
HereUnited States
20%
report frequent mental distress
HereUnited States
36%
often feel lonely
HereUnited States
16%
faced food insecurity in the past year
HereUnited States
12%
faced housing insecurity in the past year
HereUnited States
8%
lacked reliable transportation in the past year
HereUnited States
These are model-based estimates for adults from the CDC’s PLACES project, combining national health surveys with local population data. They are not counts of local patients, and small differences between nearby ZIP codes are within the margin of the model.
Source: Centers for Disease Control and Prevention, PLACES 2025 release (ZCTA), public domain
Nearest public schools.
In a straight line from the center of the ZIP code. Attendance zones are set by each school district.
Middlebury Elementary SchoolMiddlebury0.4 mi
Orchard View SchoolMiddlebury1.4 mi
Northridge Middle SchoolMiddlebury1.6 mi
Heritage Intermediate SchoolMiddlebury1.7 mi
Northridge High SchoolMiddlebury2.0 mi
Source: National Center for Education Statistics, EDGE public school locations 2024–25
Nearby ZIP codes.
ZIP codes here are the Census Bureau’s ZIP Code Tabulation Areas, which closely match the postal ZIP codes used for addresses.
46540