46561
Osceola, Indiana.
Osceola, Saint Joseph County, IN · South Bend-Mishawaka, IN-MI metro · population 13,996
to buy the typical home at today's mortgage rate — +$889 (+134%) since Jan 2020.
- 1 year
- Up $15,379 +5%
- $280,124$295,503 since Sep 2025
- 5 years
- Up $75,881 +35%
- $219,622$295,503 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 46561$1,551
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in zip 46561 rose 5.5% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Saint Joseph County, IN 88% · Elkhart County, IN 12%
Zillow also publishes an index for the city itself: Osceola, IN — measured over the city limits, which is a different area from this zip.
Typical home value — 46561
Mid-tier homes, smoothed and seasonally adjusted.
- 46561$295,503
- South Bend$237,622
- United States$366,157
Within 20 miles
Showing 30 of 33 zips in range — sorting picks from all 33.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 4.1 | 46545 | Mishawaka | 26,606 | $1,181 | $218,102 |
| 4.6 | 46544 | Mishawaka | 31,077 | $1,208 | $208,991 |
| 5.0 | 46517 | Elkhart | 25,433 | $899 | $244,258 |
| 5.7 | 46530 | Granger | 31,598 | $2,026 | $416,295 |
| 6.5 | 46514 | Elkhart | 42,389 | $1,288 | $250,777 |
| 6.7 | 46516 | Elkhart | 31,871 | $1,171 | $189,846 |
| 7.0 | 46615 | South Bend | 14,190 | $1,324 | $182,054 |
| 7.6 | 46635 | South Bend | 6,410 | — | $266,949 |
| 8.3 | 46617 | South Bend | 10,032 | $1,530 | $332,899 |
| 8.8 | 46573 | Wakarusa | 3,936 | — | $318,720 |
| 9.1 | 46601 | South Bend | 4,800 | $1,100 | $151,023 |
| 9.3 | 49112 | Edwardsburg | 10,544 | — | $304,217 |
| 9.7 | 46613 | South Bend | 12,279 | $1,157 | $107,494 |
| 9.8 | 46637 | South Bend | 16,200 | $1,205 | $255,304 |
| 10.1 | 46616 | South Bend | 5,979 | $1,208 | $151,750 |
| 11.4 | 46614 | South Bend | 29,602 | $1,142 | $242,693 |
| 12.6 | 46526 | Goshen | 33,668 | $1,248 | $268,002 |
| 13.6 | 49130 | Union | 1,258 | — | $374,106 |
| 13.9 | 46628 | South Bend | 27,685 | $1,264 | $177,822 |
| 13.9 | 49120 | Niles | 36,495 | $1,396 | $213,434 |
| 13.9 | 46507 | Bristol | 9,991 | — | $338,906 |
| 14.3 | 46619 | South Bend | 21,729 | $1,287 | $139,314 |
| 14.9 | 46506 | Bremen | 9,994 | — | $280,277 |
| 14.9 | 46536 | Lakeville | 2,964 | — | $291,618 |
| 15.5 | 46528 | Goshen | 26,248 | $1,201 | $309,516 |
| 15.7 | 46550 | Nappanee | 12,843 | $895 | $301,019 |
| 16.7 | 49031 | Cassopolis | 7,869 | — | $275,941 |
| 17.4 | 46553 | New Paris | 3,828 | — | $308,397 |
| 18.8 | 46537 | Lapaz | 475 | — | $168,331 |
| 19.2 | 46554 | North Liberty | 4,405 | — | $271,644 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.