Official Federal Data
St. Joseph County, Indiana
FIPS 18141 · South Bend-Mishawaka, IN-MI · Population 273,040
9 Sources
Updated June 22, 2026
$66,868 ▲
Median Income
$80,734 national
4.1% ▼
Unemployment
4% national
$19.5B ▲
GDP
33.5% ▲
Bachelor's+
35.7% national
Demographics & Population
Census Bureau American Community Survey 2020-2024 · 5-Year Estimates
Household Income
Source: U.S. Census Bureau · American Community Survey 2020-2024 5-Year Estimates
Median Household
$66,868 ▲
Per Capita
$36,834 ▲
Mean Household
$92,212 ▲
Poverty Rate
14.2% ▼
Median Income Comparison
St. Joseph County$66,868
Indiana$71,957
National$80,734
Population Profile
Source: Census Bureau ACS 2020-2024 · Tables B01001, B02001, B03003
Cohorts
Under 18 · 23.2%
18-34 · 24.7%
35-54 · 23.6%
55-64 · 11.7%
65+ · 16.9%
Race & Ethnicity
Hispanic or Latino is an ethnic category and overlaps with the race categories above.
Educational Attainment
Source: Census Bureau ACS 2020-2024 · Table B15003 · Population 25+
91.5%
High School+
National: 89.6%
▲ +1.9 pts
33.5%
Bachelor's+
National: 35.7%
▼ 2.2 pts
13.4%
Graduate+
National: 14.1%
▼ 0.7 pts
Employment Overview
Source: U.S. Census Bureau · American Community Survey 2020-2024 5-Year Estimates
273,040
Population
137,561
Labor Force
Employed
130,237
Unemployment Rate BLS LAUS 2025 annual
4.1% ▼ 0.6 pts YoY
Mean Commute 5 min below national avg
21.1 min
Work From Home vs 15.1% national
10.7%
Key Takeaways
- Income gap: Households earn meaningfully less than the national median, which directly affects retail demand, housing absorption, and tax base.
- Elevated poverty: At 14.2%, the rate is in economically distressed territory and supports federal funding narratives (CDFI, NMTC, EDA).
Economy & Industry
Bureau of Labor Statistics QCEW · Bureau of Economic Analysis
Key Takeaways
- Largest sector: Health Care and Social Assistance employs 23,109 workers (24.3% of tracked sectors), at an average wage of $63,717.
- Economic scale: Regional GDP of $19.5B (2024).
- Wage stratification: Educational Services averages $98,102 while Accommodation and Food Services averages $24,201, a 4.1x spread in the same local economy, with implications for workforce development and talent strategy.
Source: BLS QCEW + BEA Regional GDP.
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Industry Concentration
Location Quotient measures regional specialization vs. national average. LQ > 1.0 = concentrated.
Cluster Depth
Source: BLS QCEW · Sub-sectors with LQ ≥ 1.5 indicate genuine cluster concentration
Dominant Cluster
Educational Services Cluster
Coherent grouping of concentrated sub-sectors, signals supply-chain fit for site selectors
8,940
Cluster Employment
3.52x
Peak LQ
Concentrated Sub-Sectors
Educational Services
3.52x 8,940
Fabricated Metal Product Manufacturing
2.68x 2,996
Computing Infrastructure Providers and Data Processing
2.45x 930
Miscellaneous Manufacturing
2.37x 1,134
Plastics and Rubber Products Manufacturing
2.25x 1,234
Primary Metal Manufacturing
2.07x 587
Repair and Maintenance
1.90x 2,174
Paper Manufacturing
1.65x 454
Hospitals
1.60x 6,960
Attraction Opportunities
LQ < 0.5 with ≥ 50 employed, realistic diversification targets. Source: BLS QCEW
0.13x
Publishing Industries and Telecommunications
91 employed
0.23x
Air Transportation
102 employed
0.34x
Warehousing and Storage
503 employed
0.35x
Beverage and Tobacco Product Manufacturing
91 employed
0.39x
Transit and Ground Passenger Transportation
172 employed
0.44x
Support Activities for Transportation
281 employed
0.46x
Management of Companies and Enterprises
943 employed
0.47x
Crop Production
193 employed
Key Takeaways
- Top specialization: Educational Services concentrates at 3.52x the national norm, strong concentration that anchors the local economy and supports supply-chain attraction strategy.
- Cluster depth: 9 sub-sectors register LQ ≥ 1.5, suggesting an interconnected industrial base rather than reliance on a single employer or sector.
- Attraction whitespace: 8 sub-sectors register LQ < 0.5, candidates for diversification or recruitment depending on labor-market fit.
Source: BLS QCEW sub-sector Location Quotients.
Housing & Affordability
Census ACS · HUD Fair Market Rents FY2026
Housing Overview
Source: Census Bureau ACS 2020-2024 5-Year Estimates · Tables B25001, B25077, B25064
$192,800 ▲
Median Home Value vs 2019
$1,062 ▲
Rent/Mo
69% ▲
Owner-Occ
9.6% ▼
Vacancy
2.9x
Home Value to Income Ratio - Affordable
vs. ~4.1x national average
HUD Fair Market Rents
Source: HUD · Fair Market Rents FY2026
Studio
$898/mo
1 Bedroom
$1,105/mo
2 Bedroom
$1,292/mo
3 Bedroom
$1,567/mo
4 Bedroom
$1,711/mo
30% of monthly median household income (~$1,672/mo) · rents above this line are typically considered cost-burdened.
Key Takeaways
- Affordable market: Home value to income ratio of 2.9x is well below the ~4.1x national average; supports talent attraction and family settlement narratives.
- Affordable rent tiers: 4 of 5 HUD Fair Market Rent bedroom tiers sit below the 30%-of-median-income affordability threshold (~$1,672/mo).
Source: Census ACS housing tables + HUD Fair Market Rents.
Workforce Pipeline
Labor force readiness, commuting, and workforce composition
Labor Market Overview
Source: Census ACS 2020-2024 · Tables B01001, B23025, B08303, B08301
163,714 ▼
Working Age (18-64) vs 2019
Mean Commute 5 min below national avg
21.1 min
Work From Home vs 15.1% national
10.7%
Prime-Age Employed (25-54)
81.7%
of prime-age population
▲ vs 2019
Education & Talent Pipeline
Source: Census ACS 2020-2024 · Table B15003 · College Scorecard
Bachelor's+
33.5% ▲
HS Diploma+
91.5% ▲
Regional / Statewide Institutions
Total credentials awarded
85,358/yr
31,118/yr
15,107/yr
13,356/yr
11,087/yr
8,172/yr
6,518/yr
Aging Workforce
Source: Census Bureau ACS · Derived from age & employment tables
19.6%
55-64 of working-age population (18-64)
Workforce by Occupation
Source: Census ACS 2020-2024 · Table C24010 · Civilian employed population 16+
Management / Professional
40.6%
Service
15.1%
Sales & Office
20.1%
Construction / Maint.
7.5%
Production / Transport
16.7%
Bars scaled 2× for visual differentiation; percentage labels show actual share of 130,237 employed workers.
Key Takeaways
- Short commutes: 21.1-minute mean commute is a quality-of-life and labor-access advantage worth surfacing for site selectors.
- Talent pipeline: 6 regional institutions feed the workforce; the top three combined produce 59,581 annual credentials.
Source: ACS workforce data and College Scorecard.
AI Insights
AI-assisted analysis, drawn from 9 federal data sources
Sample AI Insight
St. Joseph County shows meaningful potential for educational services attraction, with a 3.52x concentration and 8,940 jobs in this sub-sector.
The interconnected base across educational services, fabricated metal product manufacturing, and computing infrastructure providers and data processing creates supply-chain attraction leverage rather than single-employer risk, a structural advantage for industrial recruitment.
Industry Shift Analysis
Manufacturing Automation Risk
High
Healthcare Growth Forecast
+4.2% CAGR
Remote Work Migration
67/100
Prospect Match Scores
Advanced Manufacturing
92/100
Life Sciences
84/100
Data Centers
71/100
Illustrative example
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Data Sources
Updated from official federal government data.
Census ACS 5-Year2024
BLS QCEW2025 annual
BLS LAUS (via FRED)2025 annual
BEA Regional GDP2024
Census CBP2023
HUD Fair Market RentsFY2026
FCC Broadband Map2024
USAspending.govFY2026
College ScorecardAY 2022-23
Frequently Asked Questions
Key economic and demographic figures for St. Joseph County, Indiana, from federal data sources.
What is the population of St. Joseph County, Indiana?
273,040 (U.S. Census Bureau, ACS 5-Year Estimates).
What is the median household income in St. Joseph County, Indiana?
$66,868 (U.S. Census Bureau, ACS 5-Year Estimates).
What is the unemployment rate in St. Joseph County, Indiana?
4.1% (2025 annual average, U.S. Bureau of Labor Statistics, LAUS).
What is the GDP of St. Joseph County, Indiana?
$19.5B (U.S. Bureau of Economic Analysis, CAGDP1).
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