ZIP Code · IN

ZIP 46615

Part of South Bend, IN

Pop. 14,190·Saint Joseph County·72nd most expensive ZIP in Indiana

Median rent (all units)

$1,324/mo

Year-over-Year

+4.2%

Month-over-Month

+1.7%

vs US Median

-$608

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 46615 · $1,324

More affordable than 85% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$830

1 BR

$1,020

2 BR

$1,190

3 BR

$1,440

4 BR+

$1,580

Research median

$1,190/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

Past year vs. the rest of Indiana

Rent in ZIP 46615 changed +4.2% over the year to September 2026. Across the 114 Indiana ZIP codes Zillow tracks, the typical change was +3.9%.

Recent direction

Rent rose in 6 of the last 12 months.

What a typical income covers

30% of the median household income ($62,964) is $1,574 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,440); a 4-bedroom is $1,580.

Rank in South Bend

7th cheapest of 8 ZIP codes in South Bend.

Cheaper nearby

ZIP 46601, 2 miles away, rents for 17% less ($1,100/mo), about $2,700 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 46615. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$15,888/yr

At $1,324/mo median

Location

CitySouth Bend

StateIN

CountySaint Joseph County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 4.2% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+4.2% YoY, +1.7% MoM), not inventory.

Demographics

Who lives here

ZIP 46615 (South Bend, IN) is majority owner-occupied, has a median income below the national average, 33.6% of residents hold a bachelor's degree or higher.

Population

14,190

Median income

$62,964

Median age

35.7

Renters

36.9%

Age distribution

23.4%

25.5%

26.1%

15%

Under 1823.4%

18–3425.5%

35–5426.1%

55–6410%

65+15%

Gender

48.4%

51.6%

Male48.4%

Female51.6%

Race & ethnicity

67.1%

14.9%

White67.1%

Black14.9%

Hispanic10.4%

Asian2.9%

Other4.8%

Education (25+)

27.8%

28.8%

33.6%

No HS diploma9.9%

HS diploma27.8%

Some college28.8%

Bachelor's+33.6%

Housing tenure

63.1%

36.9%

Owner63.1%

Renter36.9%

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

2021 vs 2026

How ZIP 46615 in South Bend, IN has changed in 5 years

Income

$47,408 → $62,964

up 32.8%

Population

13,949 → 14,190

up 1.7%

Renter share

38.4% → 36.9%

-1.5 pts

Bachelor's+

34.6% → 33.6%

-1.0 pts

Median age

36.6 → 35.7

-0.9 yrs

Median household income rose from $47,408 to $62,964 between 2021 and 2024, a 32.8% shift. The population has grown by 1.7% since 2021, moving from about 13,949 residents to roughly 14,190. Renters now make up 36.9% of households, compared with 38.4% five years ago.

Community

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Local insights

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About renting in ZIP 46615

Last updated: October 17, 2026

ZIP code 46615 covers South Bend, IN. The median rent here is $1,324/mo as of October 2026. A 1-bedroom rents for a median of $1,020/mo. A 2-bedroom rents for a median of $1,190/mo.

At 25% of local median household income ($62,964/yr), ZIP 46615 ranks as affordable compared to the national benchmark of 30%. Rents have increased 4.2% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 46615?

To keep rent at or below 30% of gross income, you would need to earn at least $53,000/year (about $25/hour full-time) to afford the median rent of $1,324/mo in ZIP 46615. The local median household income is $62,964/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 46615?

Rent in ZIP 46615 has risen 4.2% over the past year.

How does ZIP 46615 compare to other ZIPs in Indiana?

ZIP 46615 is in the middle among Indiana ZIP codes for rent, ranking #72 of 139 at $1,324/mo. Over the year to September 2026, rent in ZIP 46615 changed +4.2%, against a typical +3.9% across the 114 Indiana ZIP codes Zillow tracks.