The story of this market
The typical home in ZIP 46635 sells for about $225,000, or $133 per square foot.
Prices are up +6.8% 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 $955 a month.
ZIP 46635 — South Bend
The 46635 housing market remains competitive with steady price appreciation and low inventory levels. Demand is supported by the area's proximity to major employers and educational institutions, keeping the market balanced despite broader economic shifts.
This ZIP is well-suited for families and professionals seeking a suburban environment with proximity to major employment hubs and educational institutions.
Median prices moved up 6.8% year over year.
Homes spend a median of 38 days on market with 3.2 months of supply — a fast-moving market.
24% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 7.2% · poverty 6.6% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 46635, 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.
The area is served by the South Bend Community School Corporation, which maintains a variety of public school options with varying performance ratings.
The region is generally considered low-risk for major natural disasters, though standard Midwestern weather precautions apply.
Economic momentum is driven by the proximity to the University of Notre Dame and the broader South Bend industrial and healthcare sectors.
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.
Residents typically rely on personal vehicles for commuting, with convenient access to major regional corridors like US-31 and the Indiana Toll Road.
The area features proximity to local parks and green spaces, with easy access to shopping and dining districts along the Grape Road and Main Street corridors.
The rental market is characterized by steady demand from students and professionals, with moderate vacancy pressure.
The economy is anchored by the University of Notre Dame, healthcare systems, and a diverse mix of manufacturing and service industries.
The area is served by a network of state highways and is within reach of the South Bend International Airport.
Ongoing infrastructure improvements and commercial redevelopment projects are focused on enhancing connectivity and retail density.
St. Joseph County utilizes a mass appraisal system to determine property values for tax purposes.
Parcels are subject to local school district taxes and municipal service levies.
Property insurance premiums are generally stable, reflecting the area's moderate risk profile.
Indiana is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Sellers are required to provide a residential real estate disclosure form detailing the condition of the property.
Data retrieved from US Census Bureau ZCTA-level tables.
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 Park4.33.2 mi
- Niles Scream Park4.49.5 mi
- Sky Zone Trampoline Park4.11.4 mi
- Amazing Acres4.515.3 mi
- Chuck E. Cheese3.72.4 mi
- Notre Dame Stadium4.81.6 mi
- Golden Corral Buffet & Grill41.6 mi
- Compton Family Ice Arena4.81.7 mi
- Joyce Center4.71.5 mi
- RedBud MX4.813.5 mi
- Potawatomi Zoo4.53.1 mi
- Cinemark South Bend and SCREENX4.61.4 mi
- Basilica of the Sacred Heart4.91.7 mi
- Smiley's Space Themed Adventure Park4.33.2 mi
- Fernwood Botanical Garden4.712.6 mi
- Indiana Dinosaur Museum4.27 mi
- RV/MH Hall of Fame4.617.1 mi
- Fernwood Botanical Garden4.712.6 mi
- Studebaker National Museum4.83.8 mi
- The Lerner Theatre4.712.5 mi
- Fernwood Botanical Garden4.712.6 mi
- Howard Park4.73.1 mi
- Central Park4.63.7 mi
- Wellfield Botanic Gardens4.812.1 mi
- St. Patrick's County Park4.74 mi
- Boat Ramp Diamond Lake4.416.8 mi
- Wyland's Mishawaka Marina4.45.4 mi
- Warren Golf Course4.60.7 mi
- Elbel Park Golf Course4.59.2 mi
- Knollwood Country Club4.43 mi
- Morris Park Country Club4.72.2 mi
- Juday Creek Golf Course3.83 mi
- University Park Mall4.31.1 mi
- Meijer4.11.4 mi
- Meijer4.14 mi
- Meijer4.26.2 mi
- Meijer4.512.5 mi
- South Bend International Airport4.35.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Major regional anchor and cultural hub.
Primary regional retail destination.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.