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ZIP Code · IN

ZIP 46544

Pop. 31,077·Saint Joseph County·83rd most expensive ZIP in Indiana
Median rent (all units)
$1,289/mo
Year-over-Year
+20.8%
Month-over-Month
+0.9%
vs US Median
-$676
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 46544 · $1,289
More affordable than 87% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$880
1 BR
$1,090
2 BR
$1,270
3 BR
$1,540
4 BR+
$1,680
Research median
$1,270/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$15,468/yr
At $1,289/mo median
Location
StateIN
CountySaint Joseph County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 20.8% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+20.8% YoY, +0.9% MoM), not inventory.
Demographics

Who lives here

ZIP 46544 (Mishawaka, IN) is majority owner-occupied, has a median income below the national average, 26.8% of residents hold a bachelor's degree or higher.

Population
31,077
Median income
$58,829
Median age
35.6
Renters
36.3%
Age distribution
23.7%
25.5%
23.2%
13.4%
14.2%
Under 1823.7%
18–3425.5%
35–5423.2%
55–6413.4%
65+14.2%
Gender
52.9%
47.1%
Male52.9%
Female47.1%
Race & ethnicity
78.8%
White78.8%
Black9.9%
Hispanic5.4%
Asian1%
Other5%
Education (25+)
34.8%
27.8%
26.8%
No HS diploma10.6%
HS diploma34.8%
Some college27.8%
Bachelor's+26.8%
Housing tenure
63.7%
36.3%
Owner63.7%
Renter36.3%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 46544 in Mishawaka, IN has changed in 5 years

Income
$55,384 → $58,829
up 6.2%
Population
31,503 → 31,077
down 1.4%
Renter share
33% → 36.3%
+3.3 pts
Bachelor's+
23.2% → 26.8%
+3.6 pts
Median age
34.7 → 35.6
+0.9 yrs

Household income in the area moved from $55,384 to $58,829 across the same window, up 6.2% versus 2021. Census counts show ZIP 46544 in Mishawaka, IN losing about 426 residents over the five-year window, down 1.4% on net. The renter share has risen from 33% to 36.3%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 23.2% to 26.8% across the same window.

Community

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Local insights

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About renting in ZIP 46544

Last updated: July 20, 2026

ZIP code 46544 covers Mishawaka, IN. The median rent here is $1,289/mo as of July 2026. A 1-bedroom rents for a median of $1,090/mo. A 2-bedroom rents for a median of $1,270/mo.

At 26% of local median household income ($58,829/yr), ZIP 46544 ranks as affordable compared to the national benchmark of 30%. Rents have increased 20.8% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 46544?

As of July 20, 2026, the median monthly rent in ZIP 46544 (Mishawaka, IN) is $1,289. This is based on aggregated data from public sources and community submissions.

How does ZIP 46544 rent compare to the US average?

ZIP 46544's median rent of $1,289/mo is $676 (34%) below the US national median of $1,965/mo.

How does ZIP 46544 compare to other ZIPs in Indiana?

ZIP 46544 falls in the middle range for Indiana, ranking #83 out of 144 ZIPs at $1,289/mo.

How much income do you need to rent in ZIP 46544?

To keep rent at or below 30% of gross income, you would need to earn at least $52,000/year (~$25/hour full-time) to afford the median rent of $1,289/mo in ZIP 46544. The local median household income is $58,829/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 46544?

Rent in ZIP 46544 has increased 20.8% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 46544 an affordable place to rent?

ZIP 46544 is considered affordable for renters. At $1,289/mo, rent takes approximately 26% of the local median household income ($58,829/yr). The standard benchmark is 30%. ZIP 46544 falls comfortably within that range.

What percentage of ZIP 46544 residents rent vs. own?

According to Census data, approximately 36.3% of ZIP 46544 households are renters, while 63.7% are owner-occupied. ZIP 46544 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 46544 compare to the rest of Mishawaka?

ZIP 46544 is pricier than Mishawaka as a whole. At $1,289/mo, it's $4 above the Mishawaka citywide median of $1,285/mo.

When was rent data for ZIP 46544 last updated?

Rent data for ZIP 46544 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
26%
AFFORDABLE

At $1,289/mo, rent takes ~26% of ZIP 46544's median household income ($58,829/yr). The standard benchmark is 30%.

ZIP 46544 26%Benchmark 30%
State income tax3.05%
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Public schools near ZIP 46544 (Mishawaka, IN)

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