St. Joseph County Housing Consortium

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FY 2025-2029 Five-Year Consolidated Plan City of South Bend, IN Housing Market Analysis MA-05 Overview Housing Market Analysis Overview: South Bend is the principal and largest city of the South Bend-Mishawaka Metropolitan Statistical Area. St. Joseph County is the surrounding county of both South Bend and Mishawaka and is fully within the Metropolitan Statistical Area. The City of South Bend receives an annual HOME allocation which can be utilized by the St. Joseph County Housing Consortium which also includes the County of St. Joseph and City of Mishawaka. According to the 2020 Census, the total population of St. Joseph County is 272,912. The total population of South Bend is 103,453, which is roughly 37.9% of the County's population. According to the 2016-2020 American Community Survey (ACS) Five-Year Estimates, there are approximately 117,050 housing units in St. Joseph County and 46,489 housing units in the City of South Bend. Roughly 39.7%of all housing units in St.Joseph County are located in the City of South Bend. According to the 2016-2020 ACS Five-Year Estimates, there are 104,380 occupied housing units in the County and 39,709 occupied housing units in South Bend, which is 38%of all occupied housing units. Of the 12,670 vacant housing units, 6,780 vacant units are located in South Bend.Occupied housing units can be further broken down by owner-occupied and renter-occupied units. Owner-occupied units make up 67.9% or 70,887 of the total amount of housing units in the County, while renter-occupied units make up 32.1%or 33,493 units.The City of South Bend has 22,884 owner-occupied units(57.6%)and 16,825 renter- occupied units (42.4%). The majority of housing units(66%) in St. Joseph County were built prior to 1979. Approximately 15.6% of housing units were built before 1939; 25.5% were built from 1940 to 1959; and 24.9% were built from 1950 to 1969. From 1980 to 1999, 23.0%of all housing units were built. Following this period, the rate of housing construction greatly decreased.Approximately 8.1%were built from 2000 to 2009 and 1.3%have been built since 2014.The City of South Bend follows a similar trend.Approximately 65.7%of all housing units were built before 1979. OMB Control No:2506-0117(exp.07/31/2025) 93