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Area data

Mishawaka, IN — ZIP 46545

Population: 26,606 (Census ACS)

The median home value in ZIP 46545 (Mishawaka, IN) is $221,527 — up 5.7% over the past year. Homes sell for a median $240,000 after a median 11 days on market. Typical rent runs $1,267/month. 8 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with coldwave, hail, strongwind the top-rated hazards. Cost of living is 9.5% below the US average (BEA, metro/state-level).

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

$221,527

Median home value

+5.7%

1-year change

11

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$221,527
1-year appreciation
+5.7%
3-year appreciation
+14.7%
5-year appreciation
+34.0%
10-year appreciation
+106.0%
All-time peak (2026-07)
$221,527
House Price Index (state)
367.2 (+2.9% YoY)

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

Market activity

Median sale price
$240,000
Median list price
$254,950
Median price per sqft
$166
1-year sale-price change
+12.9%
Median days on market
11 days
Homes sold (recent period)
58
For-sale inventory
58
Sale-to-list ratio
99.5%
Active listings
26
1-year forecast
+2.9%
Days to pending
15 days
New listings (monthly)
30

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

Rents

Typical rent
$1,267/mo
1-year rent change
+4.9%
Studio fair-market rent
$750/mo
1BR fair-market rent
$937/mo
2BR fair-market rent
$1,156/mo
3BR fair-market rent
$1,502/mo
4BR fair-market rent
$1,734/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)
90.5 (100 = US avg)
Electricity rate (state-level)
16.2¢/kWh
Natural gas rate (state-level)
$11.50/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

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

Schools

Total schools
8
Elementary schools
5
Middle schools
2
High schools
1
School districts serving the area
School City of Mishawaka, Penn-Harris-Madison School Corp
Schools include
Battell Elementary School, John J Young Middle School, Liberty Elementary School, Elsie Rogers Elementary School, Penn High School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
coldWave, hail, strongWind, tornado, heatWave
Notable hazard ratings (county)
coldWave: Relatively High · earthquake: Relatively Low · hail: Relatively High · heatWave: Relatively Moderate · iceStorm: Relatively Moderate · inlandFlooding: Relatively Moderate
FEMA flood zone
C
Flood risk level
Minimal
Wildfire risk to homes (county)
Higher than 3% of US counties
Buildings in wildfire direct-exposure zone
20.6%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
3
Nearest Superfund site
Douglas Road/Uniroyal, Inc., Landfill (2.7 mi)
EPA recommends radon testing for every home regardless of zone.

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

Climate (30-year normals)

Average annual temperature
53.0°F
Average high
61.0°F
Average low
44.0°F
Annual precipitation
46.2 in
Annual snowfall
30.4 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
Moderate
Median AQI (annual)
51
Days with Good air quality
175
Days with Moderate air quality
177
Days with Unhealthy air quality
2
Highest AQI recorded (year)
223

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
10.0 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
39,321
Jobs reachable by transit (45 min)
34,782

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Indiana Dunes National Park (49 mi)
Airports within 30 mi
44
Nearest airport
Nelund Field (1 mi)
Nearest major airport
South Bend International Airport (SBN) (9 mi)
Hospitals nearby (~15 mi)
3
Hospitals include
SAINT JOSEPH REGIONAL MEDICAL CENTER, UNITY PHYSICIANS HOSPITAL, MEDICAL BEHAVIORAL HOSPITAL - MISHAWAKA
Avg hospital rating (CMS)
2.0 / 5
Best hospital rating nearby (CMS)
2.0 / 5
EV charging stations (within 10 mi)
60
Solar radiation rating
Fair (3.9 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-733 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,975
Housing built before 1970
42.2%
Housing built 2000 or later
15.0%
Median annual property tax
$1,352
Mean commute to work
19 min
Households with broadband internet
72.7%

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

Employment & development

Total county employment
108,928
Average weekly wage
$1,112
Top industries (by employment)
Health Care, Accommodation & Food, Education
Annual residential building permits (county)
270

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

How it compares

ZIP 46545State medianUS median
Median home value$221,527$237,170$289,727
Median sale price$240,000$238,000$325,000
Median days on market11 days38 days51 days
Typical rent$1,267/mo$1,331/mo$1,808/mo
Median annual property tax$1,352$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 median home value in ZIP 46545?
$221,527.
What is the median sale price in ZIP 46545?
$240,000.
How long do homes take to sell in ZIP 46545?
Median days on market: 11 days.
What is typical rent in ZIP 46545?
Typical rent: $1,267/month.
What is the natural-hazard risk in ZIP 46545?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: coldWave, hail, strongWind, tornado, heatWave.
Is ZIP 46545 in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone C.
What is the wildfire risk in ZIP 46545?
Risk to homes is higher than 3% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 46545?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 46545?
3 current or proposed National Priorities List sites within 5 miles (EPA). Nearest site: Douglas Road/Uniroyal, Inc., Landfill, 2.7 mi.
How many schools serve ZIP 46545?
8 schools (5 elementary, 2 middle, 1 high) (NCES, 2022-23).
Is ZIP 46545 walkable?
Walkability index: 10.0/20 (EPA Smart Location Database).
What is the air quality in ZIP 46545?
Moderate. Median AQI: 51. (EPA AQI).
What is the cost of living in ZIP 46545?
Regional Price Parity: 90.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

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

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