ZIP Code · IN

ZIP 46637

Part of South Bend, IN

Pop. 16,200·Saint Joseph County·94th most expensive ZIP in Indiana

Median rent (all units)

$1,205/mo

Year-over-Year

-10.2%

Month-over-Month

-3.9%

vs US Median

-$727

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 46637 · $1,205

More affordable than 91% 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

$1,000

1 BR

$1,230

2 BR

$1,440

3 BR

$1,750

4 BR+

$1,910

Research median

$1,440/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 46637 changed -10.2% 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 7 of the last 12 months.

What a typical income covers

30% of the median household income ($71,462) is $1,787 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,750); a 4-bedroom is $1,910.

Rank in South Bend

3rd cheapest of 8 ZIP codes in South Bend.

From Zillow's monthly rent index (ZORI) for ZIP 46637. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$14,460/yr

At $1,205/mo median

Location

CitySouth Bend

StateIN

CountySaint Joseph County

Rent Market Meter

Strong Renter's Market

Renter's MarketBalancedLandlord's Market

Rents are down 10.2% year-over-year. Push hard on price, concessions, and lease terms.

Based on rent-price momentum (-10.2% YoY, -3.9% MoM), not inventory.

Demographics

Who lives here

ZIP 46637 (South Bend, IN) is majority owner-occupied, 39.9% of residents hold a bachelor's degree or higher.

Population

16,200

Median income

$71,462

Median age

39.5

Renters

31.6%

Age distribution

17.3%

27%

24.7%

19.5%

Under 1817.3%

18–3427%

35–5424.7%

55–6411.5%

65+19.5%

Gender

51.2%

48.8%

Male51.2%

Female48.8%

Race & ethnicity

71.2%

16.3%

White71.2%

Black16.3%

Hispanic3.9%

Asian6.5%

Other2.1%

Education (25+)

22.5%

31.4%

39.9%

No HS diploma6.2%

HS diploma22.5%

Some college31.4%

Bachelor's+39.9%

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 46637 in South Bend, IN has changed in 5 years

Income

$65,337 → $71,462

up 9.4%

Population

16,028 → 16,200

up 1.1%

Renter share

30.3% → 31.6%

+1.3 pts

Bachelor's+

39.9% → 39.9%

+0.0 pts

Median age

38.4 → 39.5

+1.1 yrs

Median household income climbed from $65,337 to $71,462 between 2021 and 2024, a 9.4% shift. Census counts show ZIP 46637 in South Bend, IN adding about 172 residents over the five-year window, up 1.1% on net.

Community

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Local insights

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About renting in ZIP 46637

Last updated: October 17, 2026

ZIP code 46637 covers South Bend, IN. The median rent here is $1,205/mo as of October 2026. A 1-bedroom rents for a median of $1,230/mo. A 2-bedroom rents for a median of $1,440/mo.

At 20% of local median household income ($71,462/yr), ZIP 46637 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 10.2% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 46637?

To keep rent at or below 30% of gross income, you would need to earn at least $48,000/year (about $23/hour full-time) to afford the median rent of $1,205/mo in ZIP 46637. The local median household income is $71,462/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 46637?

Rent in ZIP 46637 has fallen 10.2% over the past year.

How does ZIP 46637 compare to other ZIPs in Indiana?

ZIP 46637 is one of the more affordable among Indiana ZIP codes for rent, ranking #94 of 139 at $1,205/mo. Over the year to September 2026, rent in ZIP 46637 changed -10.2%, against a typical +3.9% across the 114 Indiana ZIP codes Zillow tracks.