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Area data

Elkhart, IN — ZIP 46517

Population: 25,433 (Census ACS)

The typical home value in ZIP 46517 (Elkhart, IN) is $247,340 — up 6.0% over the past year. Homes sell for a median $280,000 after a median 27 days on market. Typical rent runs $907/month. 12 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with cold wave, strong wind, tornado the top-rated hazards. Cost of living is 6.7% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$247,340

Typical home value

+6.0%

1-year change

27

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Typical home value
$247,340
1-year appreciation
+6.0%
3-year appreciation
+14.9%
5-year appreciation
+33.1%
10-year appreciation
+103.4%
Peak value since 2000 (Aug 2026)
$247,340
House Price Index (state)
378.8 (+3.5% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$280,000
Median list price
$295,000
Median price per sqft
$155
1-year sale-price change
+3.6%
Median days on market
27 days
Homes sold (recent period)
56
For-sale inventory
52
Sale-to-list ratio
98.9%
Active listings
37
1-year forecast
+3.3%
Days to pending
53 days
New listings (monthly)
21

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$907/mo
Studio fair-market rent
$1,008/mo
1BR fair-market rent
$1,048/mo
2BR fair-market rent
$1,253/mo
3BR fair-market rent
$1,653/mo
4BR fair-market rent
$1,752/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
93.3 (100 = US avg)
Electricity rate (state-level)
16.2¢/kWh
Natural gas rate (state-level)
$11.50/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
12
Elementary schools
5
Middle schools
4
High schools
2
Avg student-teacher ratio
16.2 : 1
School districts serving the area
Baugo Community Schools, Concord Community Schools, Elkhart Community Schools
Schools include
Jimtown Elementary School, Jimtown High School, Jimtown Junior High School, Jimtown Intermediate School, Concord Community High School

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
cold wave, strong wind, tornado, hail, ice storm
Notable hazard ratings (county)
tornado: Relatively High · cold wave: Relatively High · strong wind: Relatively High · hail: Relatively Moderate · ice storm: Relatively Moderate · lightning: Relatively Moderate
Most common flood zone among NFIP claims
Zone A02
NFIP flood claims on record
15
Wildfire risk to homes (county)
Higher than 2% of US counties
Buildings in wildfire direct-exposure zone
29.6%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
4
Nearest Superfund site
Conrail Rail Yard (Elkhart) (2.6 mi)
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
39.3 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
43
Days with Good air quality
222
Days with Moderate air quality
136
Days with Unhealthy air quality
1
Highest AQI recorded (year)
171

Source: EPA annual air quality index (county-level)

Walkability & transit

Walkability index
5.8 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
29,954
Jobs reachable by transit (45 min)
27,278

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Indiana Dunes National Park (57 mi)
Airports within 30 mi
45
Nearest airport
Mishawaka Pilots Club Airport (3 mi)
Nearest major airport
South Bend International Airport (SBN) (17 mi)
Hospitals in or near this ZIP
23
Hospitals include
SAINT JOSEPH REGIONAL MEDICAL CENTER, UNITY PHYSICIANS HOSPITAL, MEDICAL BEHAVIORAL HOSPITAL - MISHAWAKA
Avg hospital rating (CMS)
3.2 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (3.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
-413 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1974
Housing built before 1970
40.0%
Housing built 2000 or later
15.9%
Median annual property tax
$1,434
Mean commute to work
19 min
Households with broadband internet
70.1%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
118,321
Average weekly wage
$1,282
Top industries (by employment)
Health Care, Wholesale Trade, Accommodation & Food
Annual residential building permits (county)
777

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 46517State medianUS median
Typical home value$247,340$237,748$288,527
Median sale price$280,000$238,000$325,000
Median days on market27 days38 days51 days
Typical rent$907/mo$1,307/mo$1,809/mo
Median annual property tax$1,434$1,179$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in ZIP 46517?
$247,340.
What is the median sale price in ZIP 46517?
$280,000.
How long do homes take to sell in ZIP 46517?
Median days on market: 27 days.
What is typical rent in ZIP 46517?
Typical rent: $907/month.
What is the natural-hazard risk in ZIP 46517?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: cold wave, strong wind, tornado, hail, ice storm.
Is ZIP 46517 in a flood zone?
Flood zones vary by property within ZIP 46517. 15 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is A02. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 46517?
Risk to homes is higher than 2% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 46517?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 46517?
4 current or proposed National Priorities List sites within 5 miles (EPA). Nearest site: Conrail Rail Yard (Elkhart), 2.6 mi.
How many schools serve ZIP 46517?
12 schools (5 elementary, 4 middle, 2 high) (NCES, 2024-25).
Is ZIP 46517 walkable?
Walkability index: 5.8/20 (EPA Smart Location Database).
What is the air quality in ZIP 46517?
Good. Median AQI: 43. (EPA AQI).
What is the cost of living in ZIP 46517?
Regional Price Parity: 93.3 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

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