Best Places46514, IN Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 46514, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
46514 ranks 17,554th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on low disaster risk by a wide margin, and taxes are the weak spot.
The best neighborhoods in 46514
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
46514's strengths and weaknesses
Where 46514 ranks high
- Disaster safetyBetter than 94% of zip codes
- Internet speedBetter than 92% of zip codes
- Cheap car insuranceBetter than 90% of zip codes
- TransitBetter than 81% of zip codes
- Short commute21.0 minutes each way, better than 81% of zip codes
Where 46514 ranks low
- Low income/sales/gas taxBetter than only 13% of zip codes
- QuietBetter than only 14% of zip codes
- School gradeD+, better than only 15% of zip codes
- Voter turnoutBetter than only 23% of zip codes
- Educational attainmentBetter than only 27% of zip codes
What it costs to buy a home in 46514
A household needs to earn about $52,000 a year to comfortably buy the median 46514 home, at 20% down and today's 30-year rate. That is below the area's own median income of $73,481, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 46514's effective rate of 0.81%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 46514
46514's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 46514.
Who works in 46514, and how
Work in 46514 centers on manufacturing and health care & social. Unemployment is low, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 90%
- Work from home 5%
- Transit, walk, or bike 5%
Life in 46514
The map and measures below break down dining, culture, and green space by neighborhood across 46514.
What the weather is like in 46514, month by month
46514 sees roughly 76 pleasant days a year. July highs average about 83 degrees. January highs sit near 33, with lows near 22. The comfortable stretch runs May through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 33° | 28° | 22° |
| April | 58° | 50° | 40° |
| July | 83° | 75° | 66° |
| October | 63° | 55° | 46° |
Flying in and out of 46514
The nearest airport, South Bend International, is about 18 miles away and is a small airport. The nearest major hub is Chicago Midway International, about 92 miles away.
The best schools in and around 46514
Schools across 46514 average a D+, better than 15% of zip codes.
Top elementary schools
- Eastwood Elementary SchoolC · 32% proficient
- Pinewood Elementary SchoolD+ · 25% proficient
- Cleveland Elementary SchoolD+ · 23% proficient
Top middle schools
- West Side Middle SchoolD · 23% proficient
- North Side Middle SchoolD · 23% proficient
- Pierre Moran Middle SchoolD− · 19% proficient
Top high schools
- Edwardsburg High SchoolB− · 43% proficient
- Concord Community High SchoolC+ · 36% proficient
- Elkhart High SchoolC · 30% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 46514 school and its grade on SchoolGrade.
46514 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 46514 against the other 33,109 zip codes.
Who 46514 suits
Remote workers
Internet is fast and widely advertised and 5% already work from home.
Retirees
Set weather, quiet, and health care weights on the map to test the fit.
Common questions about living in 46514
Is 46514 a good place to live?
Using BestNeighborhood's default rankings, 46514 ranks 17,554th of 33,110 zip codes. It scores highest on low disaster risk, fast internet, and cheap car insurance, and lowest on taxes and noise. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 46514 expensive to live in?
The median home is worth $199,719. The overall cost of living runs about 15% below the national average. Set against a $73,481 median income, cost of living beats 55% of zip codes.
Is 46514 safe?
46514 is safer than 32% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $358 per resident a year.
What is the weather like in 46514?
July highs average about 83 degrees, and January highs near 33 with lows near 22. That works out to about 76 pleasant days a year, more than 38% of zip codes.
Is 46514 good for families?
Schools beat 15% of zip codes, crime safety beats 32%, and childcare runs $851 a month.
Compare 46514 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 46514. Scores are absolute rather than ranked, which means a 60 in 46514 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
46514 detail on BestNeighborhood maps:
- Walk Grade for 46514: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 46514: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 46514: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 46514: carrier by carrier coverage behind the cell score.
46514 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.