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ZIP Code · IN

ZIP 46628

Pop. 27,685·Saint Joseph County·96th most expensive ZIP in Indiana
Median rent (all units)
$1,222/mo
Year-over-Year
+3.2%
Month-over-Month
+3.6%
vs US Median
-$743
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 46628 · $1,222
More affordable than 91% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$910
1 BR
$1,120
2 BR
$1,310
3 BR
$1,590
4 BR+
$1,730
Research median
$1,310/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
$14,664/yr
At $1,222/mo median
Location
StateIN
CountySaint Joseph County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 3.2% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+3.2% YoY, +3.6% MoM), not inventory.
Demographics

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.

Population
27,685
Median income
$61,759
Median age
37.4
Renters
31.6%
Age distribution
25.7%
21.8%
25.2%
12.2%
15.1%
Under 1825.7%
18–3421.8%
35–5425.2%
55–6412.2%
65+15.1%
Gender
47.1%
52.9%
Male47.1%
Female52.9%
Race & ethnicity
57%
26.4%
12.2%
White57%
Black26.4%
Hispanic12.2%
Asian1.1%
Other3.4%
Education (25+)
33.5%
32.1%
25.4%
No HS diploma8.9%
HS diploma33.5%
Some college32.1%
Bachelor's+25.4%
Housing tenure
68.4%
31.6%
Owner68.4%
Renter31.6%

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

2021 vs 2026

How ZIP 46628 in South Bend, IN has changed in 5 years

Income
$48,330 → $61,759
up 27.8%
Population
26,955 → 27,685
up 2.7%
Renter share
33.4% → 31.6%
-1.8 pts
Bachelor's+
26.5% → 25.4%
-1.1 pts
Median age
39 → 37.4
-1.6 yrs

Household income in the area moved from $48,330 to $61,759 across the same window, up 27.8% versus 2021. 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.

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Local insights

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About renting in ZIP 46628

Last updated: July 20, 2026

ZIP code 46628 covers South Bend, IN. The median rent here is $1,222/mo as of July 2026. A 1-bedroom rents for a median of $1,120/mo. A 2-bedroom rents for a median of $1,310/mo.

At 24% of local median household income ($61,759/yr), ZIP 46628 ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.2% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 46628?

As of July 20, 2026, the median monthly rent in ZIP 46628 (South Bend, IN) is $1,222. This is based on aggregated data from public sources and community submissions.

How does ZIP 46628 rent compare to the US average?

ZIP 46628's median rent of $1,222/mo is $743 (38%) below the US national median of $1,965/mo.

How does ZIP 46628 compare to other ZIPs in Indiana?

ZIP 46628 is among the more affordable ZIP codes in Indiana, ranking #96 out of 144 ZIPs at $1,222/mo.

How much income do you need to rent in ZIP 46628?

To keep rent at or below 30% of gross income, you would need to earn at least $49,000/year (~$24/hour full-time) to afford the median rent of $1,222/mo in ZIP 46628. The local median household income is $61,759/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 46628?

Rent in ZIP 46628 has increased 3.2% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 46628 an affordable place to rent?

ZIP 46628 is considered very affordable for renters. At $1,222/mo, rent takes approximately 24% of the local median household income ($61,759/yr). The standard benchmark is 30%. ZIP 46628 falls comfortably within that range.

What percentage of ZIP 46628 residents rent vs. own?

According to Census data, approximately 31.6% of ZIP 46628 households are renters, while 68.4% are owner-occupied. ZIP 46628 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 46628 compare to the rest of South Bend?

ZIP 46628 is more affordable than South Bend overall. At $1,222/mo, it's $88 below the South Bend citywide median of $1,310/mo.

When was rent data for ZIP 46628 last updated?

Rent data for ZIP 46628 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
24%
VERY AFFORDABLE

At $1,222/mo, rent takes ~24% of ZIP 46628's median household income ($61,759/yr). The standard benchmark is 30%.

ZIP 46628 24%Benchmark 30%
State income tax3.05%
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Schools nearby

Public schools near ZIP 46628 (South Bend, IN)

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