ZIP Code 46628 — South Bend, IN Home Prices (2026)
The typical home in ZIP 46628 (South Bend, Indiana) is worth about $182,000 at roughly $147 per square foot — about the same as the South Bend median and 38% more affordable than the typical U.S. home.
How 46628 compares
ZIP 46628 is a mid-priced ZIP code for South Bend: its typical home value of $182,000 ranks #5 of the 9 South Bend ZIP codes we track (the citywide range runs from $113,000 in 46613 to $338,000 in 46617). Per square foot it costs about $147, against $147 for South Bend as a whole, $155 for Indiana, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 46628 | $182,000 | $147 |
| South Bend, IN | $182,000 | $147 |
| Indiana | $237,000 | $155 |
| United States | $294,000 | $195 |
Home value by size in 46628
Using this ZIP’s rate of about $147 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $147,000 |
| 1,500 sq ft | $220,500 |
| 2,000 sq ft | $294,000 |
| 2,500 sq ft | $367,500 |
| 3,000 sq ft | $441,000 |
Salary needed to buy a home in ZIP 46628
To buy the typical $182,000 home in ZIP 46628 with 20% down, you need a household income of roughly $50,000 a year (about $1,160 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $59,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,100 | $1,440/mo | $62,000/yr |
| 10% (+PMI) | $18,200 | $1,370/mo | $59,000/yr |
| 20% | $36,400 | $1,160/mo | $50,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 46628
At about $147 per square foot, here is roughly how much home different budgets get you in ZIP 46628:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1020 sq ft | around the typical home here |
| $200k | 1360 sq ft | around the typical home here |
| $250k | 1700 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2040 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2720 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 46628 home.
Estimate a specific home in 46628
The estimator below is pre-set to ZIP 46628 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All South Bend ZIP codes by home value
Where 46628 sits among South Bend’s 9 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 46617 | $338,000 | $285 |
| 2 | 46635 | $272,000 | $154 |
| 3 | 46637 | $260,000 | $217 |
| 4 | 46615 | $186,000 | $170 |
| 5 | 46628 (this page) | $182,000 | $147 |
| 6 | 46601 | $156,000 | $107 |
| 7 | 46616 | $155,000 | $124 |
| 8 | 46619 | $142,000 | $132 |
| 9 | 46613 | $113,000 | $99 |
ZIP 46628 home prices: frequently asked
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See the full South Bend home values page, all Indiana cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.