Census tract · St. Joseph County
Census Tract 118.04, St. Joseph County, Indiana
Census Tract 118.04, GEOID 18141011804, in St. Joseph County, Indiana, entirely within Centre Township. 2,569 residents in the ACS 2020-2024 5-year estimates (±554); the 2020 Census counted 2,444.
Residents, 2020-2024
2,569
±554 (90% margin)
2020 Census count: 2,444
Median household income
$80,588
±$14,196 (90% margin)
St. Joseph County: $66,868
Median home value
$212,400
±$20,511 (90% margin)
St. Joseph County: $192,800
Median gross rent
$1,117
±$478 (90% margin)
St. Joseph County: $1,062
Where is Census Tract 118.04?
Census Tract 118.04 is one of 82 census tracts in St. Joseph County, Indiana. It covers 1.35 square miles of land, 1,812 residents per square mile in 2020. Its GEOID, 18141011804, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Centre Township | 100% |
| South Bend | 49% |
6 census tracts border Census Tract 118.04: Tract 32 ($81,707), Tract 34 ($39,839), Tract 35 ($56,831), Tract 118.01 ($97,500), Tract 118.03 ($75,461) and Tract 119 ($71,667). 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 118.04?
The 2020-2024 American Community Survey puts Census Tract 118.04's population at 2,569 (±554) in 934 households; the 2020 Census counted 2,444 residents and 1,093 housing units.
| Measure | Tract 118.04 | Centre Township |
|---|---|---|
| Total population | 2,569 ±554 | 14,438 |
| Households | 934 ±114 | 5,781 |
| Average household size | 2.74 ±0.50 | 2.48 |
| Housing units | 934 ±114 | 6,084 |
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 118.04?
The median resident of Census Tract 118.04 is 37.2 years old; 30.2% are under 18 and 22.3% are 65 or older. The largest group is non-Hispanic white residents at 68.0%, then non-Hispanic Black residents at 26.2%.
| Measure | Tract 118.04 | Centre Township |
|---|---|---|
| Median age | 37.2 ±4.3 | 43.5 |
| Under 18 years | 30.2% ±10.3 pts | 24.3% |
| 65 years and over | 22.3% ±8.4 pts | 23.9% |
| Hispanic or Latino (any race) | 2.1% ±2.3 pts | 10.6% |
| White alone, not Hispanic | 68.0% ±17.8 pts | 77.1% |
| Black or African American alone, not Hispanic | 26.2% ±19.0 pts | 8.8% |
| Asian alone, not Hispanic | 0.0% ±1.4 pts | 0.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.4 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.4 pts | 0.0% |
| Two or more races, not Hispanic | 2.4% ±1.9 pts | 2.4% |
| Some other race alone, not Hispanic | 1.2% ±1.4 pts | 0.4% |
| Born outside the United States | 3.3% ±2.9 pts | 3.8% |
| Speak a language other than English at home (age 5+) | 7.8% ±7.8 pts | 7.0% |
| Civilian veterans (age 18+) | 6.1% ±3.9 pts | 6.0% |
| With a disability | 11.8% ±4.8 pts | 12.7% |
| No health insurance coverage | 4.4% ±3.7 pts | 3.6% |
| High school graduate or higher (age 25+) | 94.2% ±3.8 pts | 94.7% |
| Bachelor's degree or higher (age 25+) | 45.4% ±8.9 pts | 39.1% |
| Graduate or professional degree (age 25+) | 21.8% ±8.3 pts | 13.7% |
| Lived in the same house a year earlier | 93.3% ±6.2 pts | 93.9% |
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 118.04 earn?
Half of the 934 households in Census Tract 118.04 earn less than $80,588 a year (±$14,196), against $66,868 across St. Joseph County: 22nd highest of the county's 81 tracts with a reliable estimate. 7.1% of residents live below the poverty line.
| Measure | Tract 118.04 | Centre Township |
|---|---|---|
| Median household income | $80,588 ±$14,196 | $79,120 |
| Mean household income | $100,421 ±$13,672 | $95,272 |
| Per capita income | $38,043 ±$5,136 | $39,175 |
| People below the poverty line | 7.1% ±4.5 pts | 6.7% |
| Children under 18 below the poverty line | 4.4% ±6.0 pts | 6.8% |
| Households receiving SNAP | 3.0% ±3.3 pts | 5.6% |
| Households with a computer | 97.5% ±2.8 pts | 94.4% |
| Households with a broadband subscription | 93.4% ±4.8 pts | 93.7% |
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 118.04?
Owners occupy 96.1% of Census Tract 118.04's occupied homes and renters 3.9%. The median owner-occupied home is valued at $212,400 by its owner (±$20,511). The median renter pays $1,117 a month including utilities.
| Measure | Tract 118.04 | Centre Township |
|---|---|---|
| Median home value (owner-occupied) | $212,400 ±$20,511 | $203,200 |
| Median gross rent | $1,117 ±$478 | $938 |
| Renters paying 35% or more of income on rent | 0.0% ±53.1 pts | 33.6% |
| Median monthly owner costs, with a mortgage | $1,375 ±$230 | $1,339 |
| Owner-occupied homes | 96.1% ±3.6 pts | 91.0% |
| Renter-occupied homes | 3.9% ±3.6 pts | 9.0% |
| Housing units | 934 ±114 | 6,084 |
| Single-family detached homes | 96.6% ±4.1 pts | 87.1% |
| Mobile homes | 0.0% ±3.9 pts | 4.0% |
| Built 2020 or later | 0.0% ±3.9 pts | 0.7% |
| Built 2010 to 2019 | 13.3% ±10.1 pts | 5.7% |
| Built 1939 or earlier | 4.2% ±4.2 pts | 4.7% |
| Households with no vehicle | 1.2% ±1.9 pts | 5.5% |
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 118.04 get to work?
73.8% of Census Tract 118.04's workers drive alone and 17.2% work from home. The average trip to work takes 19.3 minutes.
| Measure | Tract 118.04 | Centre Township |
|---|---|---|
| In the labor force (age 16+) | 57.2% ±8.5 pts | 61.2% |
| Unemployment rate | 1.1% ±2.0 pts | 2.8% |
| Drove alone to work | 73.8% ±11.7 pts | 72.7% |
| Carpooled | 6.7% ±4.9 pts | 8.7% |
| Public transportation | 0.0% ±3.7 pts | 0.0% |
| Walked | 2.2% ±3.8 pts | 0.7% |
| Worked from home | 17.2% ±11.3 pts | 17.6% |
| Mean travel time to work | 19.3 min ±1.9 | 21.2 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 118.04 compare with the other tracts in St. Joseph County?
Among St. Joseph County's tracts with a reliable estimate, Census Tract 118.04 ranks as shown below (1 = highest).
| Measure | In St. Joseph County |
|---|---|
| Population | 55th of 82 |
| Residents per square mile | 51st of 82 |
| Median household income | 22nd of 81 |
| Per capita income | 33rd of 81 |
| Median home value | 30th of 79 |
| Median gross rent | 29th of 69 |
| Poverty rate | 48th of 63 |
| Bachelor's degree or higher | 19th of 81 |
| Median age | 44th of 82 |
| Owner-occupied share | 8th of 82 |
The tracts next to it on St. Joseph County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 113.08 | 19th | $88,998±$4,233 · within the margin of this tract |
| Tract 115.04 | 20th | $88,750±$17,160 · within the margin of this tract |
| Tract 32 | 21st | $81,707±$4,605 · within the margin of this tract |
| Tract 118.04 | 22nd | $80,588±$14,196 |
| Tract 120 | 23rd | $80,357±$18,864 · within the margin of this tract |
| Tract 108 | 24th | $78,553±$7,644 · within the margin of this tract |
| Tract 110.02 | 25th | $78,110±$8,136 · 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 118.04?
3 of the 18 figures for Census Tract 118.04 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