HomeIndianaElkhart CountyElkhart city
Elkhart city, Indiana: commercial real estate data.
Elkhart city is a Census city of 53,733 people across 28.12 square miles of land, in Elkhart County. Median household income is $51,028, 53.2 percent of occupied homes are owned, and the SBA record carries 105 7(a) approvals to borrowers here worth $80.4 m.
78 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Elkhart
What Elkhart is
- Census place typecity
- Land area28.12 sq mi
- Water area0.98 sq mi
- Population per square mile of land1,911
- County holding the largest share of its areaElkhart County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
How many people live in Elkhart
- Population53,733
- Median age35.0
- Population under 1814,124
- Share under 1826.3 percent
- Population 65 and over7,668
- Share 65 and over14.3 percent
- Households21,552
- Family households12,858
- Share of households that are families59.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
Income and work in Elkhart
- Median household income$51,028
- Per capita income$28,189
- Civilian labor force26,188
- Employed25,155
- Unemployed1,033 plus or minus 333
- Unemployment rate3.9 percent plus or minus 1.3
- Adults 25 and over34,088
- Adults 25 and over with a high school diploma or higher81.3 percent
- Adults 25 and over with a bachelor degree or higher17.7 percent
- Adults 25 and over with a graduate degree5.7 percent plus or minus 1.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
Housing in Elkhart
- Housing units25,223
- Occupied units21,552
- Vacant units3,671
- Vacancy rate14.6 percent
- Owner occupied11,466
- Renter occupied10,086
- Ownership rate53.2 percent
- Median owner-occupied home value$139,500
- Median gross rent, monthly$998
- Annual rent as a share of median income23.5 percent
- Single family units13,897
- Share single family55.1 percent
- Units in buildings of two or more9,104
- Share in buildings of two or more36.1 percent
- Mobile homes2,222
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
How Elkhart gets to work
- Workers 16 and over who commute23,862
- Commuting under 15 minutes10,503
- Share commuting under 15 minutes44.0 percent
- Commuting 30 minutes or more5,012
- Share commuting 30 minutes or more21.0 percent
- Drove alone74.9 percent
- Carpooled18.1 percent
- Public transport0.6 percent plus or minus 0.5
- Walked2.6 percent plus or minus 0.8
- Worked from home3.2 percent plus or minus 0.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkhart
SBA loans in Elkhart (7(a))
- Approvals105
- Gross approval$80,411,000
- Average approval$765,819
- Median approval$250,000
- Ninetieth percentile approval$2,600,000
- Largest approval$5,000,000
- Jobs supported1,499
- Jobs per approval14.3
- Loans with a final outcome20
- Paid in full17
- Charged off3
- Charge-off rate over resolved loans15.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises16.2 percent
- Distinct lenders31
- Distinct industries by NAICS64
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elkhart
SBA loans in Elkhart (504)
- Approvals64
- Gross approval$35,453,000
- Average approval$553,953
- Median approval$365,000
- Largest approval$2,967,000
- Jobs supported1,086
- Loans with a final outcome22
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Elkhart County, not Elkhart
Elkhart County context, not Elkhart figures
These are Elkhart County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Elkhart measurements.
- Establishments in Elkhart County5,211
- Employment at those establishments, Elkhart County136,199
- Covered employment, Elkhart County127,100
- Average annual pay, Elkhart County$62,117
- Average weekly wage, Elkhart County$1,195
- Housing units permitted, Elkhart County484
- Of those, single family, Elkhart County342
- County product, 2024, Elkhart County$20,586,285,000
- County product change over the prior year, Elkhart County1.8 percent
- Average income of an arriving household, Elkhart County$62,695
Every figure in this section is published for Elkhart County as a whole and is not a measurement of Elkhart. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Elkhart questions, answered from the record.
How many people live in Elkhart, Indiana?
53,733, in 21,552 households. Elkhart city covers 28.12 square miles of land, which is 1,911 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elkhart in?
Elkhart County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Elkhart?
$51,028. The median owner-occupied home is valued at $139,500. Median gross rent is $998 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elkhart businesses?
105 7(a) approvals totalling $80.4 m, across 31 lenders, median approval $250,000, plus 64 504 approvals worth $35.5 m. These count approvals to borrowers whose address is in Elkhart, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elkhart borrowers get paid back?
Of the 20 loans that have reached a final outcome, 17 were paid in full and 3 charged off, a charge off rate of 15.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Are the county figures on this page Elkhart figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Elkhart County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Elkhart.
Is zoning published for Elkhart?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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