Census tract · St. Joseph County
Census Tract 31, St. Joseph County, Indiana
Census Tract 31, GEOID 18141003100, in St. Joseph County, Indiana, entirely within South Bend and Portage Township, St. Joseph County. 4,434 residents in the ACS 2020-2024 5-year estimates (±795); the 2020 Census counted 3,879.
Residents, 2020-2024
4,434
±795 (90% margin)
2020 Census count: 3,879
Median household income
$43,972
±$12,504 (90% margin)
St. Joseph County: $66,868
Median home value
$82,100
±$7,250 (90% margin)
St. Joseph County: $192,800
Median gross rent
$932
±$143 (90% margin)
St. Joseph County: $1,062
Where is Census Tract 31?
Census Tract 31 is one of 82 census tracts in St. Joseph County, Indiana. It covers 0.64 square miles of land, 6,109 residents per square mile in 2020. Its GEOID, 18141003100, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| South Bend | 100% |
| Portage Township, St. Joseph County | 100% |
5 census tracts border Census Tract 31: Tract 15 ($50,648), Tract 29, Tract 30 ($42,019), Tract 32 ($81,707) and Tract 101 ($36,667). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 31?
The 2020-2024 American Community Survey puts Census Tract 31's population at 4,434 (±795) in 1,499 households; the 2020 Census counted 3,879 residents and 1,665 housing units.
| Measure | Tract 31 | South Bend |
|---|---|---|
| Total population | 4,434 ±795 | 103,085 |
| Households | 1,499 ±170 | 41,282 |
| Average household size | 2.82 ±0.45 | 2.44 |
| Housing units | 1,571 ±160 | 47,775 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 31?
The median resident of Census Tract 31 is 26.5 years old; 32.8% are under 18 and 11.4% are 65 or older. The largest group is non-Hispanic white residents at 49.7%, then Hispanic or Latino residents (of any race) at 27.3%. 7.7% of residents were born outside the United States.
| Measure | Tract 31 | South Bend |
|---|---|---|
| Median age | 26.5 ±5.6 | 34.8 |
| Under 18 years | 32.8% ±7.5 pts | 25.5% |
| 65 years and over | 11.4% ±4.4 pts | 15.0% |
| Hispanic or Latino (any race) | 27.3% ±17.9 pts | 17.9% |
| White alone, not Hispanic | 49.7% ±15.1 pts | 50.9% |
| Black or African American alone, not Hispanic | 8.2% ±4.8 pts | 22.4% |
| Asian alone, not Hispanic | 3.2% ±3.7 pts | 2.3% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Two or more races, not Hispanic | 10.7% ±11.3 pts | 5.8% |
| Some other race alone, not Hispanic | 1.0% ±1.1 pts | 0.6% |
| Born outside the United States | 7.7% ±4.7 pts | 8.5% |
| Speak a language other than English at home (age 5+) | 17.6% ±10.9 pts | 15.8% |
| Civilian veterans (age 18+) | 5.0% ±3.0 pts | 4.9% |
| With a disability | 16.4% ±4.8 pts | 15.0% |
| No health insurance coverage | 13.7% ±6.3 pts | 8.8% |
| High school graduate or higher (age 25+) | 85.8% ±6.8 pts | 87.8% |
| Bachelor's degree or higher (age 25+) | 21.3% ±8.3 pts | 29.3% |
| Graduate or professional degree (age 25+) | 5.6% ±4.6 pts | 12.1% |
| Lived in the same house a year earlier | 82.5% ±6.5 pts | 87.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 31 earn?
Half of the 1,499 households in Census Tract 31 earn less than $43,972 a year (±$12,504), against $66,868 across St. Joseph County: 64th highest of the county's 81 tracts with a reliable estimate. 23.5% of residents live below the poverty line.
| Measure | Tract 31 | South Bend |
|---|---|---|
| Median household income | $43,972 ±$12,504 | $55,786 |
| Mean household income | $60,109 ±$16,261 | $75,985 |
| Per capita income | $21,551 ±$6,774 | $30,791 |
| People below the poverty line | 23.5% ±11.6 pts | 20.8% |
| Children under 18 below the poverty line | 30.2% ±20.9 pts | 29.1% |
| Households receiving SNAP | 15.3% ±8.4 pts | 16.3% |
| Households with a computer | 94.3% ±5.0 pts | 93.8% |
| Households with a broadband subscription | 86.2% ±7.1 pts | 88.9% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 31?
Owners occupy 56.8% of Census Tract 31's occupied homes and renters 43.2%. The median owner-occupied home is valued at $82,100 by its owner (±$7,250). The median renter pays $932 a month including utilities, and 41.9% of renters pay 35% or more of their income on rent.
| Measure | Tract 31 | South Bend |
|---|---|---|
| Median home value (owner-occupied) | $82,100 ±$7,250 | $140,400 |
| Median gross rent | $932 ±$143 | $1,033 |
| Renters paying 35% or more of income on rent | 41.9% ±16.7 pts | 41.1% |
| Median monthly owner costs, with a mortgage | $951 ±$140 | $1,132 |
| Owner-occupied homes | 56.8% ±12.5 pts | 60.2% |
| Renter-occupied homes | 43.2% ±12.5 pts | 39.8% |
| Housing units | 1,571 ±160 | 47,775 |
| Single-family detached homes | 87.0% ±6.3 pts | 71.6% |
| Mobile homes | 0.0% ±2.4 pts | 0.7% |
| Built 2020 or later | 0.0% ±2.4 pts | 0.5% |
| Built 2010 to 2019 | 0.0% ±2.4 pts | 4.4% |
| Built 1939 or earlier | 53.8% ±10.4 pts | 28.3% |
| Households with no vehicle | 6.5% ±4.4 pts | 9.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 31 get to work?
69.1% of Census Tract 31's workers drive alone. The average trip to work takes 21.4 minutes.
| Measure | Tract 31 | South Bend |
|---|---|---|
| In the labor force (age 16+) | 60.4% ±7.3 pts | 62.7% |
| Unemployment rate | 2.0% ±2.8 pts | 6.5% |
| Drove alone to work | 69.1% ±12.2 pts | 71.1% |
| Carpooled | 10.7% ±7.0 pts | 11.6% |
| Public transportation | 3.1% ±4.6 pts | 1.6% |
| Walked | 2.6% ±2.5 pts | 2.2% |
| Worked from home | 13.1% ±11.8 pts | 11.2% |
| Mean travel time to work | 21.4 min ±3.9 | 20.2 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 31 compare with the other tracts in St. Joseph County?
Among St. Joseph County's tracts with a reliable estimate, Census Tract 31 ranks as shown below (1 = highest).
| Measure | In St. Joseph County | In South Bend |
|---|---|---|
| Population | 15th of 82 | 4th of 47 |
| Residents per square mile | 3rd of 82 | 3rd of 47 |
| Median household income | 64th of 81 | 34th of 46 |
| Per capita income | 67th of 81 | 33rd of 46 |
| Median home value | 69th of 79 | 35th of 44 |
| Median gross rent | 52nd of 69 | 30th of 39 |
| Poverty rate | 24th of 63 | 19th of 37 |
| Bachelor's degree or higher | 58th of 81 | 28th of 46 |
| Median age | 79th of 82 | 45th of 47 |
| Owner-occupied share | 53rd of 82 | 26th of 47 |
The tracts next to it on St. Joseph County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 103 | 61st | $49,118±$1,667 · within the margin of this tract |
| Tract 1 | 62nd | $47,045±$21,369 · within the margin of this tract |
| Tract 5 | 63rd | $46,111±$26,667 · within the margin of this tract |
| Tract 31 | 64th | $43,972±$12,504 |
| Tract 22 | 65th | $43,092±$9,552 · within the margin of this tract |
| Tract 112.03 | 66th | $43,000±$9,344 · within the margin of this tract |
| Tract 30 | 67th | $42,019±$13,020 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 31?
2 of the 18 figures for Census Tract 31 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections