Census tract · St. Joseph County
Census Tract 104, St. Joseph County, Indiana
Census Tract 104, GEOID 18141010400, in St. Joseph County, Indiana, entirely within Penn Township, St. Joseph County. 3,336 residents in the ACS 2020-2024 5-year estimates (±415); the 2020 Census counted 3,111.
Residents, 2020-2024
3,336
±415 (90% margin)
2020 Census count: 3,111
Median household income
$61,486
±$3,867 (90% margin)
St. Joseph County: $66,868
Median home value
$152,200
±$20,925 (90% margin)
St. Joseph County: $192,800
Median gross rent
$879
±$75 (90% margin)
St. Joseph County: $1,062
Where is Census Tract 104?
Census Tract 104 is one of 82 census tracts in St. Joseph County, Indiana. It covers 1.20 square miles of land, 2,593 residents per square mile in 2020. Its GEOID, 18141010400, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Penn Township, St. Joseph County | 100% |
| Mishawaka | 98% |
5 census tracts border Census Tract 104: Tract 103 ($49,118), Tract 105 ($71,283), Tract 107 ($75,894), Tract 115.03 ($92,667) and Tract 117.01 ($97,955). 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 104?
The 2020-2024 American Community Survey puts Census Tract 104's population at 3,336 (±415) in 1,466 households; the 2020 Census counted 3,111 residents and 1,466 housing units.
| Measure | Tract 104 | Penn Township, St. Joseph County |
|---|---|---|
| Total population | 3,336 ±415 | 68,620 |
| Households | 1,466 ±167 | 27,926 |
| Average household size | 2.28 ±0.20 | 2.42 |
| Housing units | 1,487 ±168 | 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 104?
The median resident of Census Tract 104 is 38.1 years old; 19.9% are under 18 and 17.9% are 65 or older. The largest group is non-Hispanic white residents at 86.9%, then Hispanic or Latino residents (of any race) at 7.1%.
| Measure | Tract 104 | Penn Township, St. Joseph County |
|---|---|---|
| Median age | 38.1 ±7.9 | 37.0 |
| Under 18 years | 19.9% ±3.8 pts | 23.3% |
| 65 years and over | 17.9% ±4.0 pts | 17.1% |
| Hispanic or Latino (any race) | 7.1% ±4.1 pts | 5.2% |
| White alone, not Hispanic | 86.9% ±6.6 pts | 79.1% |
| Black or African American alone, not Hispanic | 2.0% ±2.4 pts | 7.3% |
| Asian alone, not Hispanic | 0.0% ±1.1 pts | 1.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.1 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.1 pts | 0.1% |
| Two or more races, not Hispanic | 4.1% ±2.9 pts | 6.0% |
| Some other race alone, not Hispanic | 0.0% ±1.1 pts | 0.4% |
| Born outside the United States | 0.9% ±0.9 pts | 5.2% |
| Speak a language other than English at home (age 5+) | 3.9% ±4.6 pts | 7.1% |
| Civilian veterans (age 18+) | 3.5% ±1.9 pts | 5.5% |
| With a disability | 17.4% ±4.0 pts | 14.2% |
| No health insurance coverage | 3.4% ±3.2 pts | 6.4% |
| High school graduate or higher (age 25+) | 91.4% ±3.9 pts | 92.0% |
| Bachelor's degree or higher (age 25+) | 19.4% ±6.4 pts | 30.6% |
| Graduate or professional degree (age 25+) | 6.3% ±3.6 pts | 10.9% |
| Lived in the same house a year earlier | 94.6% ±2.7 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 104 earn?
Half of the 1,466 households in Census Tract 104 earn less than $61,486 a year (±$3,867), against $66,868 across St. Joseph County: 43rd highest of the county's 81 tracts with a reliable estimate. 9.6% of residents live below the poverty line.
| Measure | Tract 104 | Penn Township, St. Joseph County |
|---|---|---|
| Median household income | $61,486 ±$3,867 | $65,544 |
| Mean household income | $66,911 ±$6,605 | $86,836 |
| Per capita income | $29,600 ±$2,888 | $35,773 |
| People below the poverty line | 9.6% ±4.2 pts | 12.5% |
| Children under 18 below the poverty line | 6.0% ±9.9 pts | 17.8% |
| Households receiving SNAP | 12.0% ±6.1 pts | 7.9% |
| Households with a computer | 96.3% ±2.5 pts | 95.5% |
| Households with a broadband subscription | 93.5% ±4.2 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 104?
Owners occupy 80.8% of Census Tract 104's occupied homes and renters 19.2%. The median owner-occupied home is valued at $152,200 by its owner (±$20,925). The median renter pays $879 a month including utilities.
| Measure | Tract 104 | Penn Township, St. Joseph County |
|---|---|---|
| Median home value (owner-occupied) | $152,200 ±$20,925 | $189,800 |
| Median gross rent | $879 ±$75 | $1,009 |
| Renters paying 35% or more of income on rent | 10.0% ±11.5 pts | 34.7% |
| Median monthly owner costs, with a mortgage | $1,187 ±$99 | $1,260 |
| Owner-occupied homes | 80.8% ±6.8 pts | 66.3% |
| Renter-occupied homes | 19.2% ±6.8 pts | 33.7% |
| Housing units | 1,487 ±168 | 29,916 |
| Single-family detached homes | 83.3% ±6.6 pts | 68.1% |
| Mobile homes | 1.1% ±1.4 pts | 2.2% |
| Built 2020 or later | 0.0% ±2.5 pts | 1.2% |
| Built 2010 to 2019 | 0.9% ±1.4 pts | 6.5% |
| Built 1939 or earlier | 36.9% ±7.8 pts | 18.1% |
| Households with no vehicle | 4.9% ±3.9 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 104 get to work?
76.4% of Census Tract 104's workers drive alone and 8.7% work from home. The average trip to work takes 26.1 minutes.
| Measure | Tract 104 | Penn Township, St. Joseph County |
|---|---|---|
| In the labor force (age 16+) | 64.6% ±5.8 pts | 64.9% |
| Unemployment rate | 0.8% ±1.3 pts | 5.3% |
| Drove alone to work | 76.4% ±7.2 pts | 78.9% |
| Carpooled | 11.8% ±6.0 pts | 8.5% |
| Public transportation | 0.0% ±2.2 pts | 0.8% |
| Walked | 0.7% ±1.1 pts | 1.5% |
| Worked from home | 8.7% ±4.8 pts | 9.0% |
| Mean travel time to work | 26.1 min ±6.0 | 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 104 compare with the other tracts in St. Joseph County?
Among St. Joseph County's tracts with a reliable estimate, Census Tract 104 ranks as shown below (1 = highest).
| Measure | In St. Joseph County |
|---|---|
| Population | 39th of 82 |
| Residents per square mile | 42nd of 82 |
| Median household income | 43rd of 81 |
| Per capita income | 53rd of 81 |
| Median home value | 46th of 79 |
| Median gross rent | 56th of 69 |
| Poverty rate | 43rd of 63 |
| Bachelor's degree or higher | 63rd of 81 |
| Median age | 37th of 82 |
| Owner-occupied share | 30th of 82 |
The tracts next to it on St. Joseph County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 13 | 40th | $65,175±$11,138 · within the margin of this tract |
| Tract 113.10 | 41st | $63,750±$15,200 · within the margin of this tract |
| Tract 113.03 | 42nd | $62,349±$17,860 · within the margin of this tract |
| Tract 104 | 43rd | $61,486±$3,867 |
| Tract 33 | 44th | $61,238±$6,979 · within the margin of this tract |
| Tract 7 | 45th | $61,178±$6,580 · within the margin of this tract |
| Tract 106 | 46th | $60,889±$15,106 · 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 104?
2 of the 18 figures for Census Tract 104 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