ZIP Code · IN

ZIP 46617

Part of South Bend, IN

Pop. 10,032·Saint Joseph County·47th most expensive ZIP in Indiana

Median rent (all units)

$1,530/mo

Year-over-Year

+5.8%

Month-over-Month

-1.0%

vs US Median

-$402

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 46617 · $1,530

More affordable than 71% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,240

1 BR

$1,520

2 BR

$1,780

3 BR

$2,160

4 BR+

$2,360

Research median

$1,780/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 46617 is 1% below its high of $1,546 in August 2026, at $1,530 as of September 2026.

Past year vs. the rest of Indiana

Rent in ZIP 46617 changed +5.8% 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 8 of the last 12 months.

What a typical income covers

30% of the median household income ($74,186) is $1,855 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,780); a 3-bedroom is $2,160.

Rank in South Bend

8th cheapest of 8 ZIP codes in South Bend.

Cheaper nearby

ZIP 46601, 1 mile away, rents for 28% less ($1,100/mo), about $5,200 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 46617. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$18,360/yr

At $1,530/mo median

Location

CitySouth Bend

StateIN

CountySaint Joseph County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (5.8% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+5.8% YoY, -1.0% MoM), not inventory.

Demographics

Who lives here

ZIP 46617 (South Bend, IN) is majority owner-occupied, skews toward younger working-age adults, 60.3% of residents hold a bachelor's degree or higher.

Population

10,032

Median income

$74,186

Median age

Renters

37.4%

Age distribution

13.9%

32.3%

18%

15.1%

20.7%

Under 1813.9%

18–3432.3%

35–5418%

55–6415.1%

65+20.7%

Gender

50.6%

49.4%

Male50.6%

Female49.4%

Race & ethnicity

72.8%

White72.8%

Black11.6%

Hispanic7%

Asian2.6%

Other6%

Education (25+)

15.9%

19.6%

60.3%

No HS diploma4.2%

HS diploma15.9%

Some college19.6%

Bachelor's+60.3%

Housing tenure

62.6%

37.4%

Owner62.6%

Renter37.4%

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

2022 vs 2026

How ZIP 46617 in South Bend, IN has changed in 5 years

Rent

$1,108 → $1,530

up 38.1%

Income

$71,302 → $74,186

up 4.0%

Population

10,630 → 10,032

down 5.6%

Renter share

35.8% → 37.4%

+1.6 pts

Bachelor's+

57.4% → 60.3%

+2.9 pts

Median age

34.7 → 38

+3.3 yrs

Rent in ZIP 46617 in South Bend, IN has increased 38.1% since 2022, going from about $1,108 per month to roughly $1,530 today. Median household income grew from $71,302 to $74,186 between 2021 and 2024, a 4.0% shift. Rent outpaced income growth by roughly 34.1 percentage points, which means renters are spending a larger slice of each paycheck on housing than they did in 2021. Headcount in the area went from 10,630 to 10,032 between 2021 and 2024, a 5.6% change. About 37.4% of households rent today, against 35.8% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 57.4% to 60.3%. Taken together, the five-year picture in ZIP 46617 in South Bend, IN reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 46617

Last updated: October 17, 2026

ZIP code 46617 covers South Bend, IN. The median rent here is $1,530/mo as of October 2026. A 1-bedroom rents for a median of $1,520/mo. A 2-bedroom rents for a median of $1,780/mo.

At 25% of local median household income ($74,186/yr), ZIP 46617 ranks as affordable compared to the national benchmark of 30%. Rents have increased 5.8% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 46617?

To keep rent at or below 30% of gross income, you would need to earn at least $61,000/year (about $29/hour full-time) to afford the median rent of $1,530/mo in ZIP 46617. The local median household income is $74,186/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 46617?

Rent in ZIP 46617 has risen 5.8% over the past year as of September 2026. It sits 1% below its high of $1,546 in August 2026.

How does ZIP 46617 compare to other ZIPs in Indiana?

ZIP 46617 is one of the pricier among Indiana ZIP codes for rent, ranking #47 of 139 at $1,530/mo. Over the year to September 2026, rent in ZIP 46617 changed +5.8%, against a typical +3.9% across the 114 Indiana ZIP codes Zillow tracks.