The story of this market
The typical home in ZIP 46613 sells for about $136,000, or $87 per square foot.
Prices are up +5.4% from a year ago, so sellers still have some momentum. Homes take about 38 days to sell. HUD's fair market rent for a two-bedroom is $990 a month.
ZIP 46613 — South Bend
The 46613 housing market is highly competitive, characterized by low inventory and consistent demand for entry-level single-family homes. While median list prices are relatively low, the market has seen notable year-over-year price appreciation and a rapid sales pace. The lack of supply continues to exert upward pressure on values, though rising interest rates and affordability constraints are tempering the aggressive bidding environment.
Fits first-time buyers seeking affordable entry into the market and investors targeting rental properties. It is less suitable for luxury seekers or those requiring large, new-construction estates.
Median prices moved up 5.4% year over year.
Homes spend a median of 38 days on market with 0.0 months of supply — a fast-moving market.
24% of listings have cut prices · homes sell at 95.9% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 8.6% · poverty 33.6% — elevated distress and economic pressure.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 46613, St. Joseph County, IN
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime trends in this area track similarly to regional South Bend patterns, with concentrations of property-related reports in higher-density residential pockets. The area remains under consistent monitoring by the South Bend Police Department.
Schools serving this ZIP are primarily within the South Bend Community School Corporation, which is currently focused on improving literacy rates and expanding vocational/CTE programs.
The region is primarily inland with low wildfire risk. Primary climate-related insurance concerns involve wind/storm damage and localized stormwater management issues near the St. Joseph River watershed.
Development momentum is driven by the broader revitalization of the South Bend corridor, with ongoing infrastructure support for trade-based educational programs and light commercial repurposing of older housing/retail stock.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Indiana) — Ad Valorem Property Assessment: Property is assessed at 100% of true tax value, determined by market-based assessment systems and annual adjustments. State (Indiana) — Standard Homestead Deduction: Removes the first $45,000 of the homestead's assessed value from taxation. State (Indiana) — Indiana Property Tax Caps (Circuit Breaker): Limits annual property tax liability to 1% of gross assessed value for principal residences, 2% for other residential property, and 3% for non-residential property.
Generally favorable for local residents, with arterial access to the South Bend/Mishawaka employment core via Lincolnway and other major local corridors.
Proximity to the St. Joseph River offers local park access and trail connectivity. The area is well-positioned for retail and dining in the South Bend/Mishawaka stretch.
Steady rental market depth with moderate vacancy pressure. Investor interest is present due to the lower entry price for single-family rentals.
A mix of local retail, education, and service industries anchored by the broader South Bend economy.
Focus remains on infill and adaptive reuse of existing commercial and residential structures.
Parcels are subject to St. Joseph County property tax districts and South Bend Community School Corporation levies.
Standard residential insurance posture; premiums are influenced by regional storm and wind risk.
Census data pending latest ZCTA vintage update.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Smiley's Space Themed Adventure Park4.36.1 mi
- Niles Scream Park4.412.1 mi
- Sky Zone Trampoline Park4.15.9 mi
- Amazing Acres4.519.6 mi
- Chuck E. Cheese3.74.4 mi
- Notre Dame Stadium4.83.6 mi
- Golden Corral Buffet & Grill46 mi
- Compton Family Ice Arena4.83.4 mi
- Joyce Center4.73.7 mi
- RedBud MX4.815.9 mi
- Potawatomi Zoo4.52.9 mi
- Potato Creek State Park4.79.4 mi
- Cinemark South Bend and SCREENX4.64.9 mi
- Basilica of the Sacred Heart4.93.8 mi
- Smiley's Space Themed Adventure Park4.36.1 mi
- Indiana Dinosaur Museum4.25.5 mi
- Fernwood Botanical Garden4.715.2 mi
- Studebaker National Museum4.81.6 mi
- The Lerner Theatre4.715.5 mi
- The Golden Dome4.93.8 mi
- Potato Creek State Park4.79.4 mi
- Howard Park4.72 mi
- Central Park4.64.8 mi
- St. Patrick's County Park4.77.1 mi
- Newton Park4.68.2 mi
- Wyland's Mishawaka Marina4.47.7 mi
- Warren Golf Course4.64.6 mi
- Elbel Park Golf Course4.58.7 mi
- Knollwood Country Club4.48.1 mi
- Morris Park Country Club4.73.5 mi
- Juday Creek Golf Course3.87.6 mi
- University Park Mall4.36.1 mi
- Meijer4.15.7 mi
- Meijer4.15.1 mi
- Meijer4.25.3 mi
- T.J. Maxx4.36.2 mi
- South Bend International Airport4.34.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Provides local park access and trail connectivity.
Nearby anchor attraction for local produce and goods.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.