ZIP Code 46635 — South Bend, IN Home Prices (2026)
The typical home in ZIP 46635 (South Bend, Indiana) is worth about $272,000 at roughly $154 per square foot — 49% more expensive than the South Bend median and 7% more affordable than the typical U.S. home.
How 46635 compares
ZIP 46635 is one of the pricier ZIP codes in South Bend: its typical home value of $272,000 ranks #2 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 $154, against $147 for South Bend as a whole, $155 for Indiana, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 46635 | $272,000 | $154 |
| South Bend, IN | $182,000 | $147 |
| Indiana | $237,000 | $155 |
| United States | $294,000 | $195 |
Home value by size in 46635
Using this ZIP’s rate of about $154 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 | $154,000 |
| 1,500 sq ft | $231,000 |
| 2,000 sq ft | $308,000 |
| 2,500 sq ft | $385,000 |
| 3,000 sq ft | $462,000 |
Salary needed to buy a home in ZIP 46635
To buy the typical $272,000 home in ZIP 46635 with 20% down, you need a household income of roughly $74,000 a year (about $1,730 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $88,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,600 | $2,150/mo | $92,000/yr |
| 10% (+PMI) | $27,200 | $2,050/mo | $88,000/yr |
| 20% | $54,400 | $1,730/mo | $74,000/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 46635
At about $154 per square foot, here is roughly how much home different budgets get you in ZIP 46635:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 970 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1300 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1620 sq ft | around the typical home here |
| $300k | 1950 sq ft | around the typical home here |
| $400k | 2600 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 46635 home.
Estimate a specific home in 46635
The estimator below is pre-set to ZIP 46635 — 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 46635 sits among South Bend’s 9 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 46617 | $338,000 | $285 |
| 2 | 46635 (this page) | $272,000 | $154 |
| 3 | 46637 | $260,000 | $217 |
| 4 | 46615 | $186,000 | $170 |
| 5 | 46628 | $182,000 | $147 |
| 6 | 46601 | $156,000 | $107 |
| 7 | 46616 | $155,000 | $124 |
| 8 | 46619 | $142,000 | $132 |
| 9 | 46613 | $113,000 | $99 |
ZIP 46635 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.