ZIP 46628
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Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).
12-month history
Last updated: October 17, 2026
What the numbers show
Rent in ZIP 46628 is 1.1% below its high of $1,278 in April 2026, at $1,264 as of September 2026.
Rent in ZIP 46628 changed +1.7% over the year to September 2026. Across the 114 Indiana ZIP codes Zillow tracks, the typical change was +3.9%.
Rent rose in 6 of the last 12 months.
30% of the median household income ($61,759) is $1,544 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,310); a 3-bedroom is $1,590.
5th cheapest of 8 ZIP codes in South Bend.
ZIP 46601, 5 miles away, rents for 13% less ($1,100/mo), about $2,000 a year in savings.
From Zillow's monthly rent index (ZORI) for ZIP 46628. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
Who lives here
ZIP 46628 (South Bend, IN) is majority owner-occupied, has a large share of families with children, has a median income below the national average, 25.4% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How ZIP 46628 in South Bend, IN has changed in 5 years
Across the past five years, the going rent in ZIP 46628 in South Bend, IN has shifted from $1,142 to $1,264, up 10.7% since 2023. Household income in the area moved from $48,330 to $61,759 across the same window, up 27.8% versus 2021. With wages climbing faster than rent over the same window, renters here have a bit more breathing room than they did five years back. Census counts show ZIP 46628 in South Bend, IN adding about 730 residents over the five-year window, up 2.7% on net. The renter share has eased from 33.4% to 31.6%, with owner-occupied housing accounting for the remainder. Reading these numbers side by side helps frame whether current listings in ZIP 46628 in South Bend, IN look reasonable against where the market sat half a decade ago.
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Tips for renters in ZIP 46628
Last updated: October 17, 2026
ZIP code 46628 covers South Bend, IN. The median rent here is $1,264/mo as of October 2026. A 1-bedroom rents for a median of $1,120/mo. A 2-bedroom rents for a median of $1,310/mo.
At 25% of local median household income ($61,759/yr), ZIP 46628 ranks as affordable compared to the national benchmark of 30%. Rents have increased 1.7% over the past year.
Frequently asked questions
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How does ZIP 46628 compare to other ZIPs in Indiana?
How does ZIP 46628 compare to the rest of South Bend?
At $1,264/mo, rent takes ~25% of ZIP 46628's median household income ($61,759/yr). The standard benchmark is 30%.
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