46540 Zip Code Detailed Profile




City: Middlebury, IN (6.13%)
Counties: Elkhart County, IN (84.68%), LaGrange County, IN (15.32%)
Estimated zip code population in 2013: 11,559
Zip code population in 2010: 11,702
Zip code population in 2000: 10,031

Houses and condos: 4,017
Renter-occupied apartments: 504
% of renters here:

13%
State:

31%
Mar. 2013 cost of living index in zip code 46540: 88.5 (less than average, U.S. average is 100)

Land area: 61.1 sq. mi.
Water area: 0.5 sq. mi.
Population density: 189 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 46540
Zip code 46540 (Middlebury, Indiana) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

1.0% ($1,484)
Indiana:

0.9% ($1,057)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,616 (1.0%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,240 (0.9%)

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Males: 5,905  (51.1%)
Females: 5,654  (48.9%)

For population 25 years and over in 46540:

For population 15 years and over in 46540:

Zip code 46540 compared to state average:

  • Black race population percentage significantly below state average.
  • Median age below state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage significantly below state average.
  • House age below state average.
  • Number of college students below state average.
  • Races in zip code 46540

  • Zip code 46540 races chart
    • 11,172White population
    • 56Black population
    • 12American Indian population
    • 76Asian population
    • 2Native Hawaiian and Other Pacific Islander population
    • 1Some other race population
    • 114Two or more races population
    • 269Hispanic or Latino population

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46540, IN forum
Recent posts about zip code 46540 area on our local forum with over 1,800,000 registered users:
South Bend, what a hole in the wall  (35 replies)
Kokomo? Fort Wayne?  (7 replies)
Moving from Texas to IN o.O  (15 replies)
Concord schools in Elkhart, IN or Middlebury?  (1 reply)
Moving to: Marion/Gas City/Huntington? Help!  (19 replies)
moving from michigan to indiana  (13 replies)
Urban population: 3,311
Rural population: 8,247

Estimated median house/condo value in 2013: $153,800
46540:

$153,800
Indiana:

$122,200



According to our research of Indiana and other state lists there were 23 registered sex offenders living in 46540 zip code as of August 02, 2015.
The ratio of number of residents in zip code 46540 to the number of sex offenders is 510 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is near the state average.


Median resident age:
This zip code:

31.4 years
Indiana median age:

37.3 years
Average household size:
This zip code:

3.1 people
Indiana:

2.5 people

Averages for the 2012 tax year for zip code 46540, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $60,013 (Individual Income Tax Returns)
Here:

$60,013
State:

$52,932

Salary/wage: $47,609 (reported on 84.7% of returns)
Here:

$47,609
State:

$45,173
(% of AGI for various income ranges: 75.3% for AGIs below $25k, 81.4% for AGIs $25k-50k, 82.1% for AGIs $50k-75k, 78.6% for AGIs $75k-100k, 72.3% for AGIs $100k-200k, 38.1% for AGIs over 200k)

Taxable interest for individuals: $1,476 (reported on 38.3% of returns)
This zip code:

$1,476
Indiana:

$1,311
(% of AGI for various income ranges: 2.4% for AGIs below $25k, 0.8% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 0.9% for AGIs $75k-100k, 1.0% for AGIs $100k-200k, 0.7% for AGIs over 200k)

Ordinary dividends: $8,518 (reported on 16.3% of returns)
Here:

$8,518
State:

$4,690
(% of AGI for various income ranges: 1.8% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 1.2% for AGIs $100k-200k, 6.0% for AGIs over 200k)

Net capital gain/loss in AGI: +$6,842 (reported on 16.3% of returns)
Here:

+$6,842
State:

+$10,406
(% of AGI for various income ranges: 0.5% for AGIs below $25k, 1.1% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 2.8% for AGIs $100k-200k, 2.5% for AGIs over 200k)

Profit/loss from business: +$12,372 (reported on 20.5% of returns)
Here:

+$12,372
State:

+$11,105
(% of AGI for various income ranges: 9.2% for AGIs below $25k, 7.0% for AGIs $25k-50k, 4.5% for AGIs $50k-75k, 4.0% for AGIs $75k-100k, 3.2% for AGIs $100k-200k, 2.1% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $12,372 (reported on 9.6% of returns)
46540:

$12,372
Indiana:

$13,841
(% of AGI for various income ranges: 4.8% for AGIs below $25k, 1.8% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 3.6% for AGIs $75k-100k, 3.5% for AGIs $100k-200k)

Total itemized deductions: $23,491 (18% of AGI, reported on 28.5% of returns)
Here:

$23,491
State:

$20,913

Here:

18.3% of AGI
State:

18.2% of AGI
(% of AGI for various income ranges: 8.1% for AGIs below $25k, 8.0% for AGIs $25k-50k, 9.2% for AGIs $50k-75k, 11.4% for AGIs $75k-100k, 15.6% for AGIs $100k-200k, 11.9% for AGIs over 200k)

Charity contributions: $7,112 (reported on 22.4% of returns)
Here:

$7,112
State:

$4,697
(% of AGI for various income ranges: 0.8% for AGIs below $25k, 1.3% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 3.9% for AGIs $100k-200k, 3.7% for AGIs over 200k)

Taxes paid: $8,774 (reported on 28.5% of returns)
46540:

$8,774
State:

$7,456
(% of AGI for various income ranges: 1.4% for AGIs below $25k, 1.9% for AGIs $25k-50k, 2.9% for AGIs $50k-75k, 3.9% for AGIs $75k-100k, 5.9% for AGIs $100k-200k, 5.9% for AGIs over 200k)

Earned income credit: $2,104 (reported on 12.8% of returns)
Here:

$2,104
State:

$2,265
(% of AGI for various income ranges: 4.1% for AGIs below $25k, 1.2% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 46540, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $56,282 (Individual Income Tax Returns)
Here:

$56,282
State:

$44,790

Salary/wage: $47,510 (reported on 86.3% of returns)
Here:

$47,510
State:

$39,615
(% of AGI for various income ranges: 134.9% for AGIs below $10k, 76.4% for AGIs $10k-25k, 82.9% for AGIs $25k-50k, 86.8% for AGIs $50k-75k, 83.2% for AGIs $75k-100k, 58.0% for AGIs over 100k)

Taxable interest for individuals: $1,474 (reported on 51.7% of returns)
This zip code:

$1,474
Indiana:

$1,535
(% of AGI for various income ranges: 11.2% for AGIs below $10k, 2.7% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 1.5% for AGIs over 100k)

Taxable dividends: $4,774 (reported on 20.4% of returns)
Here:

$4,774
State:

$2,998
(% of AGI for various income ranges: 3.7% for AGIs below $10k, 0.7% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 3.1% for AGIs over 100k)

Net capital gain/loss: +$8,899 (reported on 17.7% of returns)
Here:

+$8,899
State:

+$8,619
(% of AGI for various income ranges: 0.2% for AGIs below $10k, 1.2% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 4.8% for AGIs over 100k)

Profit/loss from business: +$11,425 (reported on 21.1% of returns)
Here:

+$11,425
State:

+$10,071
(% of AGI for various income ranges: 12.1% for AGIs below $10k, 9.0% for AGIs $10k-25k, 7.3% for AGIs $25k-50k, 4.6% for AGIs $50k-75k, 4.2% for AGIs $75k-100k, 2.3% for AGIs over 100k)

IRA payment deduction: $3,193 (reported on 3.6% of returns)
46540:

$3,193
Indiana:

$2,840
(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $14,625 (reported on 0.5% of returns)
Here:

$14,625
Indiana:

$15,305

Total itemized deductions: $19,955 (18% of AGI, reported on 34.5% of returns)
Here:

$19,955
State:

$17,065

Here:

17.5% of AGI
State:

19.5% of AGI
(% of AGI for various income ranges: 14.9% for AGIs below $10k, 8.3% for AGIs $10k-25k, 9.8% for AGIs $25k-50k, 13.3% for AGIs $50k-75k, 16.0% for AGIs $75k-100k, 12.0% for AGIs over 100k)

Charity contributions deductions: $6,861 (6% of AGI, reported on 28.8% of returns)
Here:

$6,861
State:

$3,550

Here:

5.5% of AGI
State:

3.8% of AGI
(% of AGI for various income ranges: 1.8% for AGIs below $10k, 1.3% for AGIs $10k-25k, 1.5% for AGIs $25k-50k, 2.6% for AGIs $50k-75k, 3.5% for AGIs $75k-100k, 5.0% for AGIs over 100k)

Total tax: $10,486 (reported on 74.8% of returns)
46540:

$10,486
State:

$6,914
(% of AGI for various income ranges: 4.5% for AGIs below $10k, 4.6% for AGIs $10k-25k, 6.4% for AGIs $25k-50k, 7.9% for AGIs $50k-75k, 9.7% for AGIs $75k-100k, 22.0% for AGIs over 100k)

Earned income credit: $1,597 (reported on 8.9% of returns)
Here:

$1,597
State:

$1,685

Percentage of individuals using paid preparers for their 2004 taxes: 66.4%
Here:

66%
State:

59%
(% for various income ranges: 57.6% for AGIs below $10k, 67.1% for AGIs $10k-25k, 70.0% for AGIs $25k-50k, 72.5% for AGIs $50k-75k, 61.3% for AGIs $75k-100k, 68.6% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$55,424
Indiana:

$47,529
Middlebury, IN (46540) map Nearest zip codes: 49099, 46528, 46565, 46507, 46543, 49042.
Percentage of family households:
This zip code:

66.0%
Indiana:

51.2%
Percentage of households with unmarried partners:
This zip code:

1.8%
Indiana:

6.0%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 401
Household did not receive Food Stamps/SNAP in the past 12 months: 3,366


Women who had a birth in the past 12 months: 289 (205 now married, 84 unmarried)
Women who did not have a birth in the past 12 months: 2,110 (1,457 now married, 653 unmarried)


Housing units in zip code 46540 with a mortgage: 2,121 (99 second mortgage, 359 home equity loan, 58 both second mortgage and home equity loan)
Houses without a mortgage: 1,142

Median monthly owner costs for units with a mortgage: $1,164
Median monthly owner costs for units without a mortgage: S423

Residents with income below the poverty level in 2013:
This zip code:

10.4%
Whole state:

15.9%
Residents with income below 50% of the poverty level in 2013:
This zip code:

6.5%
Whole state:

8.7%
Median number of rooms in houses and condos:
Here:

6.7
State:

6.4
Median number of rooms in apartments:
Here:

5.1
State:

4.4
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 46540: Hoobirk Farm (A), Leann Acres (B), Culver Duck Farms (C), Crystal Valley Dairy Farm (D), Forest Grove Dairy (E), Ladon Farms (F), Leann Acres (G), Loyal Acres (H), Marlee Acres (I), My Brook Farm (J), Crystal Bend Farm (K), Smeltzer Farms (L), Dogwood Hills Tree Farm (M), Maplebranch Farm (N), Yoder Farm (O), Sunny Brook Farms (P), Miller Farms (Q), Raber Farms (R), Stoney - M Farm (S), Harmony Acre Farm (T). Display/hide their locations on the map

    Churches in zip code 46540 include: First United Methodist Church of Middlebury (A), Roselawn Conservative Mennonite Church (B), Middlebury Church of the Brethren (C), First Mennonite Church (D), Faith Baptist Church (E), Griner Mennonite Church (F), Pleasant Ridge Church (G), Pleasant Valley Church of the Brethren (H), Stone Lake Community Church (I). Display/hide their locations on the map

    Cemeteries: Miller Cemetery (1), Bonneyville Cemetery (2), Eldridge Cemetery (3), Forest Grove Cemetery (4), Grace Lawn Cemetery (5), Pashan Cemetery (6), Mack Cemetery (7). Display/hide their locations on the map

    Lakes: Stone Lake (A), Hunter Lake (B), Goose Pond (C), Brokesha Lake (D), East Lake (E). Display/hide their locations on the map

Year house built

  • 282010 or later
  • 9142000 to 2009
  • 8451990 to 1999
  • 4721980 to 1989
  • 6141970 to 1979
  • 3611960 to 1969
  • 2071950 to 1959
  • 991940 to 1949
  • 4771939 or earlier

Zip code 46540 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Middlebury, IN (46540)

  • 0no bedroom
  • 681 bedroom
  • 7142 bedrooms
  • 1,4063 bedrooms
  • 7034 bedrooms
  • 3725+ bedrooms

Bedrooms in renter-occupied apartments in Middlebury, IN (46540)

  • 0no bedroom
  • 821 bedroom
  • 1832 bedrooms
  • 1923 bedrooms
  • 234 bedrooms
  • 245+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Middlebury, IN (46540) in owner-occupied houses/condos

  • 569no vehicle
  • 5521 vehicle
  • 1,4302 vehicles
  • 5013 vehicles
  • 1694 vehicles
  • 425+ vehicles

Cars and other vehicles available in Middlebury, IN (46540) in renter-occupied apartments

  • 65no vehicle
  • 1461 vehicle
  • 2662 vehicles
  • 273 vehicles
  • 04 vehicles
  • 05+ vehicles

Median gross rent in 2013: $789.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $153,800
46540:

$153,800
Indiana:

$122,200
Lower value quartile - upper value quartile: $105,100 - $236,300

Mean price in 2013:

Detached houses: $144,725
Here:

$144,725
State:

$158,623

Townhouses or other attached units: $128,333
Here:

$128,333
State:

$143,204

Mobile homes: $4,663
Here:

$4,663
State:

$33,934

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 6.4%

Percentage of zip code residents living and working in this county: 81.3%

Household type by relationship:

Households: 11,548

Size of family households: 1,351 2-persons, 599 3-persons, 606 4-persons, 262 5-persons, 109 6-persons, 243 7-or-more-persons

Size of nonfamily households: 561 1-person, 17 2-persons, 13 3-persons, 6 4-persons

2,939 married couples with children.
146 single-parent households (71 men, 75 women).

74.1% of residents of 46540 zip code speak English at home.
3.0% of residents speak Spanish at home (70% very well, 17% well, 13% not well).
22.8% of residents speak other Indo-European language at home (73% very well, 24% well, 2% not well, 1% not at all).
0.1% of residents speak other language at home (100% very well).

Foreign born population: 225 (1.9%)
(80.4% of them are naturalized citizens)
This zip code:

1.9%
Whole state:

4.8%

Most common places of birth for the foreign-born residents

  • 52%Mexico
  • 12%China, excluding Hong Kong and Taiwan
  • 8%Germany
  • 7%Croatia
  • 6%Cuba
  • 6%Colombia
  • 4%England

Most common first ancestries reported in 46540 (%)

  • 30%German
  • 15%Other groups
  • 12%American
  • 5%Swiss
  • 5%Pennsylvania German
  • 5%Irish
  • 4%English

Year of entry for the foreign-born population

  • 02010 or later
  • 1312000 to 2009
  • 01990 to 1999
  • 139Before 1990

Zip code 46540 topographic map

Major facilities with environmental interests located in this zip code:

Fire-safe hotels and motels in zip code 46540:

All 2 fire-safe hotels and motels in zip code 46540

Zip code 46540 marital status for males
Zip code 46540 marital status for females

Housing units lacking complete kitchen facilities: 1.0%

Most commonly used house heating fuel

  • 68%Utility gas
  • 10%Wood
  • 10%Electricity
  • 8%Bottled, tank, or LP gas
  • 5%Coal or coke

Population in 1990: 7,737. Population change in the 1990s: +2,294 (+29.6%).

Place of birth for U.S.-born residents:


56% of the 46540 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 63% lived in this county.
   Out of people who lived in different counties, 50% lived in Indiana.

93% of the 46540 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 58% moved from this county.
   Out of people who lived in different houses, 30% moved from different county within same state.
   Out of people who lived in different houses, 10% moved from different state.
   Out of people who lived in different houses, 2% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 331
Here:

20.7%
Indiana:

11.7%
Students in private schools in grades 9 to 12 (high school): 20
Here:

5.1%
Indiana:

8.9%
Students in private undergraduate colleges: 12
Here:

5.4%
Indiana:

21.7%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 250,001Legal occupations
  • 79,881Management occupations
  • 75,625Computer and mathematical occupations
  • 52,885Business and financial operations occupations
  • 50,962Architecture and engineering occupations
  • 45,547Installation, maintenance, and repair occupations

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 8 people in group homes intended for adults

People in group quarters in 2000:

  • 9 people in homes for the mentally retarded
  • 6 people in other group homes

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 2
  • Persons involved in fatal accidents: 1
  • Pedestrians involved in fatal accidents: 6

Fatal accident statistics in 2010:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 1
  • Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 4 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED31$140,626126$138,325578$147,70426$73,05121$69,29723$50,871
APPLICATIONS APPROVED, NOT ACCEPTED2$100,19011$135,18036$153,3222$6,4652$8,8902$23,430
APPLICATIONS DENIED13$113,53521$71,155139$168,8115$63,3462$32,3206$124,443
APPLICATIONS WITHDRAWN3$108,9203$64,81381$162,1103$103,8003$189,0732$85,120
FILES CLOSED FOR INCOMPLETENESS2$109,0802$145,51024$144,3570$00$03$78,257

Detailed HMDA statistics for the following Tracts: 0008.00 , 0009.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 4 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
D) Loans On Manufactured
Home Dwelling (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED19$173,09821$176,1400$0
APPLICATIONS APPROVED, NOT ACCEPTED5$127,9886$212,0632$88,880
APPLICATIONS DENIED5$94,0522$95,7150$0
APPLICATIONS WITHDRAWN0$02$122,8150$0
FILES CLOSED FOR INCOMPLETENESS0$02$93,7300$0

Detailed PMIC statistics for the following Tracts: 0008.00 , 0009.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 46540 among deceased individuals
NameCountLived (average)
Charles2173.5 years
John2082.7 years
Robert1869.8 years
William1773.7 years
Mary1678.7 years
Helen1481.1 years
Barbara1275.5 years
James1271.5 years
Levi1282.6 years
Samuel1270.9 years
Most common last names in zip code 46540 among deceased individuals
Last nameCountLived (average)
Miller10878.3 years
Yoder5479.2 years
Kauffman2676.4 years
Bontrager2479.0 years
Eash1879.7 years
Troyer1677.1 years
Hershberger1480.1 years
Schrock1379.9 years
Mast1378.7 years
Riegsecker977.8 years
Businesses in zip code 46540
NameCountNameCount
Ace Hardware1H&R Block1
CVS1La-Z-Boy1
Chevrolet1McDonald's1
Dairy Queen1Penske1
FedEx1UPS1
Goodwill1

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