South Bend-Mishawaka, IN-MI · Indiana
St. Joseph County
ZIP 46595
272,574 residents699 permits TTM$64,885 median HHI20 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$179,800
ACS 5-Year
Cap rate proxy
6.9%
FMR × 0.65 ÷ Home Value
Rent-to-income
19.0%
HUD FMR ÷ ACS HHI
Net migration
+1.31%
IRS SOI
Permits (TTM)
699
Census BPS
Climate risk
85.8
FEMA NRI (0–100)
ZIP 46595
Median home value
—
Gross yield
—
Buy Box score
—
Section 8 gap
—
Affordability
P/I: 2.8R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown20 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 46613 | — | — | — | 14.6% | — |
| 46616 | — | — | — | 10.9% | — |
| 46619 | — | — | — | 9.5% | — |
| 46615 | — | — | — | 9.3% | — |
| 46628 | — | — | — | 9.0% | — |
| 46545 | — | — | — | 8.9% | — |
| 46601 | — | — | — | 8.8% | — |
| 46544 | — | — | — | 7.1% | — |
| 46556 | —county est. | — | — | 6.9% | — |
| 46595 | —county est. | — | — | 6.9% | — |
| 46624 | —county est. | — | — | 6.9% | — |
| 46637 | — | — | — | 6.4% | — |
| 46617 | — | — | — | 6.3% | — |
| 46614 | — | — | — | 5.3% | — |
| 46530 | — | — | — | 5.2% | — |
| 46635 | — | — | — | 4.9% | — |
| 46554 | — | — | — | 4.8% | — |
| 46552 | — | — | — | 4.6% | — |
| 46536 | — | — | — | 4.5% | — |
| 46561 | — | — | — | 4.5% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
68.8%
Census ACS
Vacancy rate
9.6%
Census ACS
Bachelor's degree +
32.6%
Census ACS
Rent burdened
47.4%
Census ACS (>30% income)
Median age
36.7
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026