Census tract · St. Joseph County
Census Tract 112.03, St. Joseph County, Indiana
Census Tract 112.03, GEOID 18141011203, in St. Joseph County, Indiana, mostly within Clay Township, St. Joseph County (65% of its census blocks). 9,824 residents in the ACS 2020-2024 5-year estimates (±324); the 2020 Census counted 10,008.
Residents, 2020-2024
9,824
±324 (90% margin)
2020 Census count: 10,008
Median household income
$43,000
±$9,344 (90% margin)
St. Joseph County: $66,868
Median home value
$144,100
±$33,414 (90% margin)
St. Joseph County: $192,800
Median gross rent
$1,253
±$135 (90% margin)
St. Joseph County: $1,062
Where is Census Tract 112.03?
Census Tract 112.03 is one of 82 census tracts in St. Joseph County, Indiana. It covers 3.24 square miles of land, 3,091 residents per square mile in 2020. Its GEOID, 18141011203, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Clay Township, St. Joseph County | 65% |
| Roseland | 35% |
| Portage Township, St. Joseph County | 35% |
| South Bend | 17% |
| Notre Dame | 12% |
7 census tracts border Census Tract 112.03: Tract 3.01 ($70,969), Tract 3.02 ($38,598), Tract 8 ($103,705), Tract 10 ($56,250), Tract 113.03 ($62,349), Tract 113.09 ($52,068) and Tract 113.10 ($63,750). 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 112.03?
The 2020-2024 American Community Survey puts Census Tract 112.03's population at 9,824 (±324) in 956 households; the 2020 Census counted 10,008 residents and 1,261 housing units.
| Measure | Tract 112.03 | Clay Township, St. Joseph County |
|---|---|---|
| Total population | 9,824 ±324 | 34,246 |
| Households | 956 ±111 | 14,931 |
| Average household size | 2.06 ±0.21 | 2.15 |
| Housing units | 1,238 ±103 | 16,803 |
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 112.03?
The median resident of Census Tract 112.03 is 20.6 years old; 2.0% are under 18 and 5.9% are 65 or older. The largest group is non-Hispanic white residents at 68.9%, then Hispanic or Latino residents (of any race) at 10.9%. 11.8% of residents were born outside the United States.
| Measure | Tract 112.03 | Clay Township, St. Joseph County |
|---|---|---|
| Median age | 20.6 ±0.1 | 39.6 |
| Under 18 years | 2.0% ±0.6 pts | 16.4% |
| 65 years and over | 5.9% ±1.4 pts | 20.6% |
| Hispanic or Latino (any race) | 10.9% ±1.7 pts | 3.8% |
| White alone, not Hispanic | 68.9% ±2.4 pts | 74.1% |
| Black or African American alone, not Hispanic | 6.7% ±1.6 pts | 12.5% |
| Asian alone, not Hispanic | 7.5% ±1.4 pts | 5.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.1% ±0.1 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.4 pts | 0.0% |
| Two or more races, not Hispanic | 5.6% ±1.4 pts | 3.6% |
| Some other race alone, not Hispanic | 0.4% ±0.3 pts | 0.3% |
| Born outside the United States | 11.8% ±2.0 pts | 9.4% |
| Speak a language other than English at home (age 5+) | 16.2% ±2.2 pts | 9.4% |
| Civilian veterans (age 18+) | 2.2% ±1.3 pts | 6.8% |
| With a disability | 5.0% ±1.4 pts | 12.7% |
| No health insurance coverage | 3.5% ±1.2 pts | 6.6% |
| High school graduate or higher (age 25+) | 95.4% ±2.7 pts | 93.5% |
| Bachelor's degree or higher (age 25+) | 62.5% ±8.2 pts | 42.6% |
| Graduate or professional degree (age 25+) | 39.2% ±8.1 pts | 20.1% |
| Lived in the same house a year earlier | 52.9% ±3.1 pts | 83.0% |
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 112.03 earn?
Half of the 956 households in Census Tract 112.03 earn less than $43,000 a year (±$9,344), against $66,868 across St. Joseph County: 66th highest of the county's 81 tracts with a reliable estimate. 32.3% of residents live below the poverty line.
| Measure | Tract 112.03 | Clay Township, St. Joseph County |
|---|---|---|
| Median household income | $43,000 ±$9,344 | $72,406 |
| Mean household income | $58,313 ±$6,793 | $99,165 |
| Per capita income | $11,688 ±$1,246 | $43,698 |
| People below the poverty line | 32.3% ±5.9 pts | 9.8% |
| Children under 18 below the poverty line | 73.6% ±20.6 pts | 8.9% |
| Households receiving SNAP | 5.4% ±2.5 pts | 5.7% |
| Households with a computer | 96.9% ±2.2 pts | 96.7% |
| Households with a broadband subscription | 78.2% ±6.5 pts | 89.5% |
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 112.03?
Owners occupy 30.4% of Census Tract 112.03's occupied homes and renters 69.6%. The median owner-occupied home is valued at $144,100 by its owner (±$33,414). The median renter pays $1,253 a month including utilities, and 63.3% of renters pay 35% or more of their income on rent.
| Measure | Tract 112.03 | Clay Township, St. Joseph County |
|---|---|---|
| Median home value (owner-occupied) | $144,100 ±$33,414 | $226,400 |
| Median gross rent | $1,253 ±$135 | $1,132 |
| Renters paying 35% or more of income on rent | 63.3% ±10.9 pts | 41.3% |
| Median monthly owner costs, with a mortgage | $1,188 ±$176 | $1,412 |
| Owner-occupied homes | 30.4% ±5.3 pts | 66.5% |
| Renter-occupied homes | 69.6% ±5.3 pts | 33.5% |
| Housing units | 1,238 ±103 | 16,803 |
| Single-family detached homes | 33.8% ±6.5 pts | 63.3% |
| Mobile homes | 1.0% ±1.5 pts | 3.1% |
| Built 2020 or later | 4.0% ±1.5 pts | 1.9% |
| Built 2010 to 2019 | 18.7% ±5.7 pts | 7.2% |
| Built 1939 or earlier | 13.3% ±5.5 pts | 5.9% |
| Households with no vehicle | 17.9% ±6.2 pts | 5.6% |
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 112.03 get to work?
19.2% of Census Tract 112.03's workers drive alone and 23.2% work from home. The average trip to work takes 13.0 minutes. The unemployment rate in 2020-2024 averaged 2.9%.
| Measure | Tract 112.03 | Clay Township, St. Joseph County |
|---|---|---|
| In the labor force (age 16+) | 51.1% ±3.1 pts | 64.2% |
| Unemployment rate | 2.9% ±1.4 pts | 5.4% |
| Drove alone to work | 19.2% ±3.6 pts | 73.7% |
| Carpooled | 2.9% ±1.3 pts | 6.0% |
| Public transportation | 2.8% ±1.3 pts | 1.1% |
| Walked | 47.2% ±4.0 pts | 4.7% |
| Worked from home | 23.2% ±4.1 pts | 12.3% |
| Mean travel time to work | 13.0 min ±1.7 | 19.7 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 112.03 compare with the other tracts in St. Joseph County?
Among St. Joseph County's tracts with a reliable estimate, Census Tract 112.03 ranks as shown below (1 = highest).
| Measure | In St. Joseph County |
|---|---|
| Population | 1st of 82 |
| Residents per square mile | 35th of 82 |
| Median household income | 66th of 81 |
| Per capita income | 81st of 81 |
| Median home value | 49th of 79 |
| Median gross rent | 15th of 69 |
| Poverty rate | 11th of 63 |
| Bachelor's degree or higher | 3rd of 81 |
| Median age | 82nd of 82 |
| Owner-occupied share | 77th of 82 |
The tracts next to it on St. Joseph County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| 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 |
| Tract 22 | 65th | $43,092±$9,552 · within the margin of this tract |
| Tract 112.03 | 66th | $43,000±$9,344 |
| Tract 30 | 67th | $42,019±$13,020 · within the margin of this tract |
| Tract 115.06 | 68th | $41,585±$11,793 · within the margin of this tract |
| Tract 19 | 69th | $40,735±$9,234 · 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 112.03?
Every figure for Census Tract 112.03 on this page has a coefficient of variation under 40%, the Census Bureau's threshold for a usable estimate.
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