Census tract · St. Joseph County
Census Tract 103, St. Joseph County, Indiana
Census Tract 103, GEOID 18141010300, in St. Joseph County, Indiana, entirely within Penn Township, St. Joseph County. 5,782 residents in the ACS 2020-2024 5-year estimates (±1,182); the 2020 Census counted 5,799.
Residents, 2020-2024
5,782
±1,182 (90% margin)
2020 Census count: 5,799
Median household income
$49,118
±$1,667 (90% margin)
St. Joseph County: $66,868
Median home value
$179,400
±$18,001 (90% margin)
St. Joseph County: $192,800
Median gross rent
$862
±$28 (90% margin)
St. Joseph County: $1,062
Where is Census Tract 103?
Census Tract 103 is one of 82 census tracts in St. Joseph County, Indiana. It covers 1.59 square miles of land, 3,645 residents per square mile in 2020. Its GEOID, 18141010300, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Penn Township, St. Joseph County | 100% |
| Mishawaka | 97% |
7 census tracts border Census Tract 103: Tract 102.01 ($51,384), Tract 102.02 ($28,913), Tract 104 ($61,486), Tract 107 ($75,894), Tract 117.01 ($97,955), Tract 117.03 ($60,833) and Tract 117.04 ($74,786). 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 103?
The 2020-2024 American Community Survey puts Census Tract 103's population at 5,782 (±1,182) in 2,056 households; the 2020 Census counted 5,799 residents and 2,484 housing units.
| Measure | Tract 103 | Penn Township, St. Joseph County |
|---|---|---|
| Total population | 5,782 ±1,182 | 68,620 |
| Households | 2,056 ±193 | 27,926 |
| Average household size | 2.78 ±0.48 | 2.42 |
| Housing units | 2,272 ±296 | 29,916 |
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 103?
The median resident of Census Tract 103 is 30.0 years old; 29.5% are under 18 and 9.9% are 65 or older. The largest group is non-Hispanic white residents at 70.6%, then non-Hispanic Black residents at 16.8%.
| Measure | Tract 103 | Penn Township, St. Joseph County |
|---|---|---|
| Median age | 30.0 ±7.3 | 37.0 |
| Under 18 years | 29.5% ±4.1 pts | 23.3% |
| 65 years and over | 9.9% ±4.2 pts | 17.1% |
| Hispanic or Latino (any race) | 2.6% ±2.2 pts | 5.2% |
| White alone, not Hispanic | 70.6% ±15.7 pts | 79.1% |
| Black or African American alone, not Hispanic | 16.8% ±9.8 pts | 7.3% |
| Asian alone, not Hispanic | 0.5% ±0.6 pts | 1.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.2% ±0.2 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.6 pts | 0.1% |
| Two or more races, not Hispanic | 9.3% ±6.5 pts | 6.0% |
| Some other race alone, not Hispanic | 0.0% ±0.6 pts | 0.4% |
| Born outside the United States | 0.8% ±0.7 pts | 5.2% |
| Speak a language other than English at home (age 5+) | 2.4% ±2.3 pts | 7.1% |
| Civilian veterans (age 18+) | 5.2% ±2.5 pts | 5.5% |
| With a disability | 13.6% ±4.4 pts | 14.2% |
| No health insurance coverage | 4.8% ±2.4 pts | 6.4% |
| High school graduate or higher (age 25+) | 86.0% ±5.0 pts | 92.0% |
| Bachelor's degree or higher (age 25+) | 23.4% ±6.5 pts | 30.6% |
| Graduate or professional degree (age 25+) | 8.4% ±3.8 pts | 10.9% |
| Lived in the same house a year earlier | 96.4% ±2.4 pts | 88.6% |
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 103 earn?
Half of the 2,056 households in Census Tract 103 earn less than $49,118 a year (±$1,667), against $66,868 across St. Joseph County: 61st highest of the county's 81 tracts with a reliable estimate. 30.9% of residents live below the poverty line.
| Measure | Tract 103 | Penn Township, St. Joseph County |
|---|---|---|
| Median household income | $49,118 ±$1,667 | $65,544 |
| Mean household income | $65,794 ±$8,462 | $86,836 |
| Per capita income | $24,021 ±$4,562 | $35,773 |
| People below the poverty line | 30.9% ±15.3 pts | 12.5% |
| Children under 18 below the poverty line | 37.2% ±20.9 pts | 17.8% |
| Households receiving SNAP | 14.7% ±8.0 pts | 7.9% |
| Households with a computer | 96.4% ±2.9 pts | 95.5% |
| Households with a broadband subscription | 93.3% ±4.1 pts | 91.1% |
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 103?
Owners occupy 67.2% of Census Tract 103's occupied homes and renters 32.8%. The median owner-occupied home is valued at $179,400 by its owner (±$18,001). The median renter pays $862 a month including utilities.
| Measure | Tract 103 | Penn Township, St. Joseph County |
|---|---|---|
| Median home value (owner-occupied) | $179,400 ±$18,001 | $189,800 |
| Median gross rent | $862 ±$28 | $1,009 |
| Renters paying 35% or more of income on rent | 27.2% ±20.5 pts | 34.7% |
| Median monthly owner costs, with a mortgage | $1,322 ±$175 | $1,260 |
| Owner-occupied homes | 67.2% ±7.2 pts | 66.3% |
| Renter-occupied homes | 32.8% ±7.2 pts | 33.7% |
| Housing units | 2,272 ±296 | 29,916 |
| Single-family detached homes | 67.9% ±8.3 pts | 68.1% |
| Mobile homes | 0.0% ±1.6 pts | 2.2% |
| Built 2020 or later | 0.0% ±1.6 pts | 1.2% |
| Built 2010 to 2019 | 0.7% ±1.2 pts | 6.5% |
| Built 1939 or earlier | 28.3% ±8.5 pts | 18.1% |
| Households with no vehicle | 11.7% ±5.5 pts | 5.9% |
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 103 get to work?
88.6% of Census Tract 103's workers drive alone. The average trip to work takes 19.2 minutes. The unemployment rate in 2020-2024 averaged 16.3%.
| Measure | Tract 103 | Penn Township, St. Joseph County |
|---|---|---|
| In the labor force (age 16+) | 64.2% ±5.8 pts | 64.9% |
| Unemployment rate | 16.3% ±10.3 pts | 5.3% |
| Drove alone to work | 88.6% ±5.7 pts | 78.9% |
| Carpooled | 2.5% ±2.1 pts | 8.5% |
| Public transportation | 4.3% ±4.8 pts | 0.8% |
| Walked | 0.0% ±1.6 pts | 1.5% |
| Worked from home | 4.6% ±3.6 pts | 9.0% |
| Mean travel time to work | 19.2 min ±2.1 | 21.4 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 103 compare with the other tracts in St. Joseph County?
Among St. Joseph County's tracts with a reliable estimate, Census Tract 103 ranks as shown below (1 = highest).
| Measure | In St. Joseph County |
|---|---|
| Population | 6th of 82 |
| Residents per square mile | 26th of 82 |
| Median household income | 61st of 81 |
| Per capita income | 61st of 81 |
| Median home value | 39th of 79 |
| Median gross rent | 61st of 69 |
| Poverty rate | 13th of 63 |
| Bachelor's degree or higher | 54th of 81 |
| Median age | 72nd of 82 |
| Owner-occupied share | 43rd of 82 |
The tracts next to it on St. Joseph County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 27 | 58th | $50,167±$23,020 · within the margin of this tract |
| Tract 2 | 59th | $49,953±$20,467 · within the margin of this tract |
| Tract 111 | 60th | $49,829±$6,525 · within the margin of this tract |
| Tract 103 | 61st | $49,118±$1,667 |
| 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 · 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 103?
3 of the 18 figures for Census Tract 103 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