ZIP 46540 — Middlebury, IN

ZIP code 46540 sits in Middlebury, part of Elkhart County in the state of Indiana. With roughly 12,825 residents and an estimated density of 83 people per square mile, this area reads as a rural neighborhood — useful context whether you’re considering a move, evaluating a service-area expansion, or simply trying to picture the place. Compare it against other ZIPs in the same Indiana index to see how it stacks up.

Public Census ACS estimates put the median household income near —, with a median owner-occupied home value of about —. Those two numbers, side by side, hint at how affordable day-to-day life feels here for the typical resident: a low ratio of home value to income often signals a relatively accessible market, while a high ratio means buyers stretch further to enter the neighborhood. Local property taxes, insurance, and homeowners’ association rules will all push the real cost of ownership in either direction. Our relocation guide walks through how to read these numbers without overweighting any single metric.

For people relocating, the most useful thing about a single ZIP code is what it tells you about the texture of a place. A rural profile typically means larger lots, longer drives between everyday destinations, and a quieter ambient soundscape. Of course, every block has its own personality — the numbers above are an average, not a portrait of any specific street. For ZIPs in larger metros, our metro hubs can help you triangulate where the boundaries of a neighborhood actually fall.

If you’re comparing 46540 against other parts of Middlebury, scroll down to see neighboring ZIP codes inside the same metro. To compare against another state entirely, jump to the Indiana overview or use the search bar above.