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IN area data

Zcta 46528, IN

Zcta 46528, IN.

Population: 26,248 (Census ACS)

The typical home value in Zcta 46528, IN is $311,398 — up 5.6% over the past year. Homes sell for a median $317,500 after a median 11 days on market. Typical rent runs $1,038/month. 2 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

$311,398

Typical home value

+5.6%

1-year change

11

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Typical home value
$311,398
1-year appreciation
+5.6%
3-year appreciation
+12.4%
5-year appreciation
+29.0%
10-year appreciation
+94.6%
Peak value since 2000 (Aug 2026)
$311,398
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
$317,500
Median list price
$320,000
Median price per sqft
$147
1-year sale-price change
+7.1%
Median days on market
11 days
Homes sold (recent period)
64
For-sale inventory
55
Sale-to-list ratio
98.3%
Active listings
34
1-year forecast
+3.1%
Days to pending
21 days
New listings (monthly)
26

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

Rents

Typical rent
$1,038/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
2
Elementary schools
2
Middle schools
0
High schools
0
Avg student-teacher ratio
12.8 : 1
School districts serving the area
Goshen Community Schools, Middlebury Community Schools
Schools include
Chamberlain Elementary School, Jefferson Elementary 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 A03
NFIP flood claims on record
24
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
1
Nearest Superfund site
North 5th Street Groundwater Contamination (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
39.6 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
4.2 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
13,201
Jobs reachable by transit (45 min)
12,427

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
39
Nearest airport
Goshen Municipal Airport (GSH) (5 mi)
Nearest major airport
South Bend International Airport (SBN) (29 mi)
Hospitals in or near this ZIP
30
Hospitals include
SAINT JOSEPH REGIONAL MEDICAL CENTER, UNITY PHYSICIANS HOSPITAL, MEDICAL BEHAVIORAL HOSPITAL - MISHAWAKA
Avg hospital rating (CMS)
3.4 / 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
1983
Housing built before 1970
35.6%
Housing built 2000 or later
25.1%
Median annual property tax
$2,044
Mean commute to work
17 min
Households with broadband internet
71.3%

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

Zcta 46528State medianUS median
Typical home value$311,398$237,748$288,527
Median sale price$317,500$238,000$325,000
Median days on market11 days38 days51 days
Typical rent$1,038/mo$1,307/mo$1,809/mo
Median annual property tax$2,044$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 Zcta 46528, IN?
$311,398.
What is the median sale price in Zcta 46528, IN?
$317,500.
How long do homes take to sell in Zcta 46528, IN?
Median days on market: 11 days.
What is typical rent in Zcta 46528, IN?
Typical rent: $1,038/month.
What is the natural-hazard risk in Zcta 46528, IN?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: cold wave, strong wind, tornado, hail, ice storm.
Is Zcta 46528, IN in a flood zone?
Flood zones vary by property within Zcta 46528, IN. 24 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is A03. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in Zcta 46528, IN?
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 Zcta 46528, IN?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Zcta 46528, IN?
1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: North 5th Street Groundwater Contamination, 2.6 mi.
How many schools serve Zcta 46528, IN?
2 schools (2 elementary) (NCES, 2024-25).
Is Zcta 46528, IN walkable?
Walkability index: 4.2/20 (EPA Smart Location Database).
What is the air quality in Zcta 46528, IN?
Good. Median AQI: 43. (EPA AQI).
What is the cost of living in Zcta 46528, IN?
Regional Price Parity: 93.3 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

ZIP code for Zcta 46528

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Data last updated

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

Data compiled by REAIGENT7 — AI listing platform for real estate agents