46544 Property Tax Rate
Mishawaka, Indiana · Part of St. Joseph County
Effective Tax Rate
0.95%
15.2% above state avgMedian Annual Tax
$1,441
$120/mo escrow
Estimate Your Tax
Annual Tax
$1,441
Monthly
$120
Eff. Rate
0.95%
Buyer decision brief
What ZIP 46544 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$120/mo
Based on median annual tax paid
State context
0.26 percentage points above the Indiana average
Indiana average: 0.69%
Data confidence
High confidenceThe Census margin of error is $76, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with St. Joseph County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 46544 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$76 tax MOE, 5% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
St. Joseph County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 46544
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $151,100, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.95%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Indiana and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $120 per month before insurance, HOA dues, or special assessments.
Assessor verification
St. Joseph County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 46544 Compares
Median Annual Property Tax
ZIP 46544
0.95%
Effective rate
Indiana Avg
0.69%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Indiana
Higher than 93% of ZIP codes in Indiana(93th percentile, 713 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 46544
Property owners in ZIP code 46544 (Mishawaka, Indiana) pay a median of $1,441/year in property taxes on homes valued at $151,100. This translates to an effective tax rate of 0.95%, which is 37% above the Indiana state average of 0.69%.
The monthly property tax burden for a median-valued home in 46544 is approximately $120, which factors into escrow payments on mortgages. This ZIP code is located within St. Joseph County.
Compared to similar ZIP codes in Indiana, 46544 has higher property taxes. ZIP codes with similar effective rates include 46373 (0.95%) and 46601 (0.95%).
In Mishawaka, property taxes represent approximately 2.5% of the median household income of $57,873, providing context for the relative tax burden on homeowners in this area.
Indiana reassesses property at sale to current market value, resetting your tax base to the purchase price. St. Joseph County offers a Homestead Standard Deduction ($45,000 off assessed value for primary residences) — file with the St. Joseph County Assessor within 60 days of purchase. Contact the St. Joseph County Assessor's office to confirm your exemption was filed and to note any appeal deadlines if you believe the assessment is incorrect.
Frequently Asked Questions
What is the property tax rate in ZIP code 46544?
How much are property taxes in Mishawaka, IN (46544)?
How does ZIP 46544 compare to the Indiana average?
What is the median home value in ZIP 46544?
What county is ZIP code 46544 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$76. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 46544 is part of St. Joseph County, Indiana. View the full county profile for broader context and more data.
View St. Joseph County on TaxByCounty →Explore Mishawaka, IN
View all 2 ZIP codes in Mishawaka with property tax comparisons.
View Mishawaka Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 46544
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
46545
Mishawaka, IN
0.17 percentage points lower than ZIP 46544.
Rate
0.78%
Tax
$1,362
Quality
96
46561
Osceola, IN
0.20 percentage points lower than ZIP 46544.
Rate
0.75%
Tax
$1,561
Quality
89
46554
North Liberty, IN
0.18 percentage points lower than ZIP 46544.
Rate
0.77%
Tax
$1,456
Quality
89
46536
Lakeville, IN
0.17 percentage points lower than ZIP 46544.
Rate
0.78%
Tax
$1,622
Quality
89
46530
Granger, IN
0.12 percentage points lower than ZIP 46544.
Rate
0.83%
Tax
$2,631
Quality
89
46637
South Bend, IN
0.12 percentage points lower than ZIP 46544.
Rate
0.83%
Tax
$1,601
Quality
101
46628
South Bend, IN
0.09 percentage points lower than ZIP 46544.
Rate
0.86%
Tax
$1,419
Quality
101
46619
South Bend, IN
0.08 percentage points lower than ZIP 46544.
Rate
0.88%
Tax
$863
Quality
101
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.