US > Indiana > St Joseph County > Osceola, IN 46561

46561 ZIP Code Profile, Map, Data & Demographics

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Osceola, IN
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ZIP Code 46561: Basic Data & USPS Preferred City Name

Preferred Name, USPS
Osceola, IN 46561

  • ZIP Code Type: STANDARD
  • County: St Joseph County
  • Centroid: Latitude 41.671, Longitude -86.077
  • Time Zone: Eastern Time Zone (UTC -5 hours)
  • Observes DST: Yes

ZIP Code 46561 has segments in 2 Counties (Elkhart, St Joseph).

  • Businesses Addresses: 260
  • PO Box Addresses: 76
  • Residential Addresses: 5,366
    • Multi-Family Addresses: 0
    • Single Family Addresses: 5,366

The ZIP Code maps and database are updated 4 times per year.
Database updated: October 1, 2025, Maps updated: May 1, 2024.

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Osceola, IN 46561 Data & Demographics (As of July 1, 2025)

POPULATION

Total Population 13,228 (100%)
Population in Households 13,202 (99.8%)
Population in Families 11,397 (86.2%)
Population in Group Quarters1 26 ( 0.2%)
Population Density 1,053
Diversity Index2 32
 
 

INCOME

Median Household Income $83,890
Average Household Income $98,107
% of Income for Mortgage4 18%
Per Capita Income $36,131
Wealth Index5 76
Socioeconomic Status Index6 Moderate (56.9)
 

HOUSING

Total HU (Housing Units) 5,010 (100%)
Owner Occupied HU 4,235 (84.5%)
Renter Occupied HU 635 (12.7%)
Vacant Housing Units 140 ( 2.8%)
Median Home Value $240,395
Average Home Value $253,345
Housing Affordability Index3 128
 

HOUSEHOLDS

Total Households 4,870
Average Household Size 2.71
Family Households 3,677
Average Family Size 3.00
NOTES
  1. Group Quarters - a place where people live or stay in a group living arrangement. Includes college residents halls, nursing facilities, military barracks, and correctional facilities.
  2. The Diversity Index is a scale of 0 to 100 that represents the likelihood that two persons, chosen at random from the same area, belong to different races or ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity. An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups.
  3. The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
  4. The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).
  5. The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources. It represents the wealth of the area relative to the national level. Values above or below 100 represent above-average wealth or below-average wealth compared to the national level.
  6. The Socioeconomic Index ranges from zero (lowest relative status) to 100 (highest relative status). This measure quantifies disparities in social position of an area's inhabitants and is built from a broad range of demographic, housing, and socioeconomic inputs. More information on this measure can be found in Esri's SEI tutorial.

GROWTH RATE / YEAR

 2020-2025 2025-2030
Population 0.12% -0.22%
Households 0.42% -0.01%
Families   -0.60%
Median Household Income   2.92%
Per Capita Income   2.16%
Owner Occupied HU   0.24%

Osceola, IN 46561 - Peer Comparisons by Rank and Percentile

The table below compares 46561 to the other 763 ZIP Codes in Indiana by rank and percentile using July 1, 2025 data. The location Ranked # 1 has the highest value. A location that ranks higher than 75% of its peers would be in the 75th percentile of the peer group.

Variable Description Rank Percentile
Total Population # 179 77th
Population Density # 150 80th
Median Household Income # 176 77th
Housing Affordability Index # 474 62nd
Per Capita Income # 348 55th
Diversity Index # 216 72nd

Additional comparisons and rankings can be made with a VERY EASY TO USE Indiana Census Data Comparison Tool.


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