ZIP Code 46590 — Winona Lake town, IN Demographics & Data

ZIP code 46590 covers Winona Lake, IN in Kosciusko County with a population of about 5,073.

At a glance, the area shows median age of 28.0 versus a U.S. median of about 38.9.

It sits in telephone area code 574; U.S. House district IN-2; the SOUTH BEND - ELKHART media market.

Winona Lake, IN sits in a university / college context (near grace college and theological seminary (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 46590 is about $97,813 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.9%; unemployment rate near 1.0%; 50.8% of adults with a bachelor’s degree or higher (about 17.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Retail trade; about 6.9% of workers reporting work-from-home (about 8.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $242,400 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $935 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 65.6% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46590 in Winona Lake, IN, a household would need roughly $67,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,557. That sits below the local median household income ($97,813), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Winona Lake town, IN as Relatively Low (composite score 66.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (63.7) and hurricane (41.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Winona Lake town, IN show little to no average snow and around 40.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 233 for ZIP 46590 (Winona Lake town, IN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.