Census tract · St. Joseph County
Census Tract 116.03, St. Joseph County, Indiana
Census Tract 116.03, GEOID 18141011603, in St. Joseph County, Indiana, entirely within Penn Township, St. Joseph County. 4,788 residents in the ACS 2020-2024 5-year estimates (±565); the 2020 Census counted 4,993.
Residents, 2020-2024
4,788
±565 (90% margin)
2020 Census count: 4,993
Median household income
$117,957
±$11,536 (90% margin)
St. Joseph County: $66,868
Median home value
$255,000
±$17,281 (90% margin)
St. Joseph County: $192,800
Median gross rent
$874
±$693 (90% margin)
St. Joseph County: $1,062
Where is Census Tract 116.03?
Census Tract 116.03 is one of 82 census tracts in St. Joseph County, Indiana. It covers 2.81 square miles of land, 1,778 residents per square mile in 2020. Its GEOID, 18141011603, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Penn Township, St. Joseph County | 100% |
6 census tracts border Census Tract 116.03: Tract 14.02 in Elkhart County ($74,300), Tract 15.01 in Elkhart County ($71,662), Tract 115.03 ($92,667), Tract 115.04 ($88,750), Tract 116.02 ($66,885) and Tract 116.04 ($112,993). 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 116.03?
The 2020-2024 American Community Survey puts Census Tract 116.03's population at 4,788 (±565) in 1,705 households; the 2020 Census counted 4,993 residents and 1,889 housing units.
| Measure | Tract 116.03 | Penn Township, St. Joseph County |
|---|---|---|
| Total population | 4,788 ±565 | 68,620 |
| Households | 1,705 ±190 | 27,926 |
| Average household size | 2.80 ±0.18 | 2.42 |
| Housing units | 1,762 ±178 | 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 116.03?
The median resident of Census Tract 116.03 is 38.9 years old; 28.7% are under 18 and 16.7% are 65 or older. The largest group is non-Hispanic white residents at 91.9%, then non-Hispanic residents of two or more races at 3.2%. 2.4% of residents were born outside the United States.
| Measure | Tract 116.03 | Penn Township, St. Joseph County |
|---|---|---|
| Median age | 38.9 ±3.3 | 37.0 |
| Under 18 years | 28.7% ±2.7 pts | 23.3% |
| 65 years and over | 16.7% ±4.7 pts | 17.1% |
| Hispanic or Latino (any race) | 3.1% ±2.6 pts | 5.2% |
| White alone, not Hispanic | 91.9% ±4.1 pts | 79.1% |
| Black or African American alone, not Hispanic | 0.8% ±0.9 pts | 7.3% |
| Asian alone, not Hispanic | 0.3% ±0.4 pts | 1.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.8% ±1.0 pts | 0.1% |
| Two or more races, not Hispanic | 3.2% ±2.4 pts | 6.0% |
| Some other race alone, not Hispanic | 0.0% ±0.8 pts | 0.4% |
| Born outside the United States | 2.4% ±1.3 pts | 5.2% |
| Speak a language other than English at home (age 5+) | 5.3% ±3.0 pts | 7.1% |
| Civilian veterans (age 18+) | 7.2% ±4.7 pts | 5.5% |
| With a disability | 11.7% ±3.8 pts | 14.2% |
| No health insurance coverage | 7.1% ±3.6 pts | 6.4% |
| High school graduate or higher (age 25+) | 95.3% ±2.8 pts | 92.0% |
| Bachelor's degree or higher (age 25+) | 37.2% ±6.8 pts | 30.6% |
| Graduate or professional degree (age 25+) | 16.1% ±5.1 pts | 10.9% |
| Lived in the same house a year earlier | 96.5% ±2.1 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 116.03 earn?
Half of the 1,705 households in Census Tract 116.03 earn less than $117,957 a year (±$11,536), against $66,868 across St. Joseph County: 7th highest of the county's 81 tracts with a reliable estimate.
| Measure | Tract 116.03 | Penn Township, St. Joseph County |
|---|---|---|
| Median household income | $117,957 ±$11,536 | $65,544 |
| Mean household income | $116,868 ±$8,331 | $86,836 |
| Per capita income | $41,163 ±$2,885 | $35,773 |
| People below the poverty line | 3.3% ±2.9 pts | 12.5% |
| Children under 18 below the poverty line | 5.8% ±6.7 pts | 17.8% |
| Households receiving SNAP | 1.8% ±1.9 pts | 7.9% |
| Households with a computer | 97.7% ±2.1 pts | 95.5% |
| Households with a broadband subscription | 96.4% ±2.6 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 116.03?
Owners occupy 95.3% of Census Tract 116.03's occupied homes and renters 4.7%. The median owner-occupied home is valued at $255,000 by its owner (±$17,281).
| Measure | Tract 116.03 | Penn Township, St. Joseph County |
|---|---|---|
| Median home value (owner-occupied) | $255,000 ±$17,281 | $189,800 |
| Median gross rent | $874 ±$693 | $1,009 |
| Renters paying 35% or more of income on rent | 0.0% ±38.1 pts | 34.7% |
| Median monthly owner costs, with a mortgage | $1,409 ±$93 | $1,260 |
| Owner-occupied homes | 95.3% ±4.3 pts | 66.3% |
| Renter-occupied homes | 4.7% ±4.3 pts | 33.7% |
| Housing units | 1,762 ±178 | 29,916 |
| Single-family detached homes | 98.8% ±1.3 pts | 68.1% |
| Mobile homes | 0.6% ±0.9 pts | 2.2% |
| Built 2020 or later | 0.0% ±2.1 pts | 1.2% |
| Built 2010 to 2019 | 2.9% ±3.6 pts | 6.5% |
| Built 1939 or earlier | 4.7% ±4.4 pts | 18.1% |
| Households with no vehicle | 2.8% ±2.6 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 116.03 get to work?
83.5% of Census Tract 116.03's workers drive alone and 9.8% work from home. The average trip to work takes 20.2 minutes.
| Measure | Tract 116.03 | Penn Township, St. Joseph County |
|---|---|---|
| In the labor force (age 16+) | 61.3% ±8.0 pts | 64.9% |
| Unemployment rate | 1.7% ±1.4 pts | 5.3% |
| Drove alone to work | 83.5% ±5.1 pts | 78.9% |
| Carpooled | 6.1% ±2.8 pts | 8.5% |
| Public transportation | 0.0% ±1.7 pts | 0.8% |
| Walked | 0.6% ±0.8 pts | 1.5% |
| Worked from home | 9.8% ±4.6 pts | 9.0% |
| Mean travel time to work | 20.2 min ±1.5 | 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 116.03 compare with the other tracts in St. Joseph County?
Among St. Joseph County's tracts with a reliable estimate, Census Tract 116.03 ranks as shown below (1 = highest).
| Measure | In St. Joseph County |
|---|---|
| Population | 10th of 82 |
| Residents per square mile | 52nd of 82 |
| Median household income | 7th of 81 |
| Per capita income | 27th of 81 |
| Median home value | 14th of 79 |
| Bachelor's degree or higher | 32nd of 81 |
| Median age | 33rd of 82 |
| Owner-occupied share | 13th of 82 |
The tracts next to it on St. Joseph County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 113.04 | 4th | $125,417±$12,260 · within the margin of this tract |
| Tract 109.02 | 5th | $122,827±$28,174 · within the margin of this tract |
| Tract 110.01 | 6th | $120,417±$24,923 · within the margin of this tract |
| Tract 116.03 | 7th | $117,957±$11,536 |
| Tract 114.03 | 8th | $113,864±$48,036 · within the margin of this tract |
| Tract 116.04 | 9th | $112,993±$27,333 · within the margin of this tract |
| Tract 113.05 | 10th | $109,706±$22,112 · 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 116.03?
5 of the 18 figures for Census Tract 116.03 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