ZIP Code · IN

ZIP 46613

Part of South Bend, IN

Pop. 12,279·Saint Joseph County·105th most expensive ZIP in Indiana

Median rent (all units)

$1,157/mo

Year-over-Year

+6.0%

Month-over-Month

+1.4%

vs US Median

-$775

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 46613 · $1,157

More affordable than 93% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$890

1 BR

$1,090

2 BR

$1,280

3 BR

$1,550

4 BR+

$1,690

Research median

$1,280/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: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 46613 is at its highest level since Zillow's records here began in February 2023.

Past year vs. the rest of Indiana

Rent in ZIP 46613 changed +6.0% over the year to September 2026. Across the 114 Indiana ZIP codes Zillow tracks, the typical change was +3.9%.

Recent direction

Rent has risen 3 months in a row, and rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($42,537) is $1,063 a month. That covers HUD's Fair Market Rent for up to a studio ($890); a 1-bedroom is $1,090.

Rank in South Bend

2nd cheapest of 8 ZIP codes in South Bend.

From Zillow's monthly rent index (ZORI) for ZIP 46613. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$13,884/yr

At $1,157/mo median

Location

CitySouth Bend

StateIN

CountySaint Joseph County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 6.0% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+6.0% YoY, +1.4% MoM), not inventory.

Demographics

Who lives here

ZIP 46613 (South Bend, IN) is roughly split between renters and owners, has a large share of families with children, has a median income below the national average, 11.9% of residents hold a bachelor's degree or higher.

Population

12,279

Median income

$42,537

Median age

28.8

Renters

46.6%

Age distribution

32.8%

26%

22.5%

Under 1832.8%

18–3426%

35–5422.5%

55–649%

65+9.8%

Gender

48.8%

51.2%

Male48.8%

Female51.2%

Race & ethnicity

44.8%

22.2%

23.9%

White44.8%

Black22.2%

Hispanic23.9%

Asian1.6%

Other7.5%

Education (25+)

18.5%

45.5%

24.1%

No HS diploma18.5%

HS diploma45.5%

Some college24.1%

Bachelor's+11.9%

Housing tenure

53.4%

46.6%

Owner53.4%

Renter46.6%

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

2023 vs 2026

How ZIP 46613 in South Bend, IN has changed in 5 years

Rent

$988 → $1,157

up 17.1%

Income

$41,445 → $42,537

up 2.6%

Population

11,931 → 12,279

up 2.9%

Renter share

42.2% → 46.6%

+4.4 pts

Bachelor's+

13.2% → 11.9%

-1.3 pts

Median age

28.2 → 28.8

+0.6 yrs

The median rent in ZIP 46613 in South Bend, IN stood at $988 in 2023 and currently runs about $1,157, reflecting a 17.1% increase over the period. On the earnings side, the typical household in ZIP 46613 in South Bend, IN now reports about $42,537, up from $41,445 in 2021. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has grown by 2.9% since 2021, moving from about 11,931 residents to roughly 12,279. Renters now make up 46.6% of households, compared with 42.2% five years ago. For context, the 2023 to 2026 window covers an unusually volatile run for US rents nationally, and ZIP 46613 in South Bend, IN reflects that arc in its own way.

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About renting in ZIP 46613

Last updated: October 17, 2026

ZIP code 46613 covers South Bend, IN. The median rent here is $1,157/mo as of October 2026. A 1-bedroom rents for a median of $1,090/mo. A 2-bedroom rents for a median of $1,280/mo.

At 33% of local median household income ($42,537/yr), ZIP 46613 ranks as moderate compared to the national benchmark of 30%. Rents have increased 6.0% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 46613?

To keep rent at or below 30% of gross income, you would need to earn at least $46,000/year (about $22/hour full-time) to afford the median rent of $1,157/mo in ZIP 46613. The local median household income is $42,537/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 46613?

Rent in ZIP 46613 has risen 6.0% over the past year as of September 2026. That is the highest level since Zillow's records here began in February 2023.

How does ZIP 46613 compare to other ZIPs in Indiana?

ZIP 46613 is one of the more affordable among Indiana ZIP codes for rent, ranking #105 of 139 at $1,157/mo. Over the year to September 2026, rent in ZIP 46613 changed +6.0%, against a typical +3.9% across the 114 Indiana ZIP codes Zillow tracks.