Electric companies in St. Joseph County, Indiana
St. Joseph County, IN ranks 2 of 92 Indiana counties for the lowest yearly electricity cost per home ($1,236). St. Joseph County in Indiana has 272,574 residents and 5 utilities listed by EIA, with home prices of 10.32 to 19.16 cents per kWh.
St. Joseph County on the map
St. Joseph County darker: more storm events
Cost of living with electricity in St. Joseph County
St. Joseph County, IN: electricity $1,236 a year per home (DOE LEAD), all home energy $1,951, 2.4% of $81,014 income. 107,466 households in St. Joseph County, IN spend about $132.8 million a year on electricity and $209.7 million on all home energy. Lower-income homes in St. Joseph County, IN ($19,778 a year) spend 8.0% of income, 3.3 times the all-home figure.
Energy burden in St. Joseph County, IN
| St. Joseph County, IN | Homes | Income | Power | Gas | Other | Burden |
|---|---|---|---|---|---|---|
| St. Joseph County, IN, all households | 107,466 | $81,014 | $1,236 | $698 | $17 | 2.4% |
| St. Joseph County, IN, lower income | 30,244 | $19,778 | $1,011 | $570 | $9 | 8.0% |
| St. Joseph County, IN, owners | 73,223 | $99,845 | $1,414 | $846 | $23 | 2.3% |
| St. Joseph County, IN, renters | 34,243 | $40,745 | $855 | $383 | $3 | 3.0% |
Electric utilities in St. Joseph County
| Utility listed for St. Joseph County, IN | Type | Home price ¢/kWh | Yearly bill at 901 kWh | Share of St. Joseph County, IN median income of $64,885 |
|---|---|---|---|---|
| City of Mishawaka in St. Joseph County, IN | Municipal | 10.32 | $1,116 | 1.72% |
| Kankakee Valley Rural E M C in St. Joseph County, IN | Cooperative | 15.20 | $1,644 | 2.53% |
| Indiana Michigan Power Co in St. Joseph County, IN | Investor Owned | 16.31 | $1,763 | 2.72% |
| Northern Indiana Pub Serv Co in St. Joseph County, IN | Investor Owned | 19.09 | $2,064 | 3.18% |
| Midwest Energy Cooperative in St. Joseph County, IN | Cooperative | 19.16 | $2,072 | 3.19% |
Prices are statewide utility averages, not a county price.
Facts about St. Joseph County
- Residents of St. Joseph County, IN, ACS 2023
- 272,5745 of 92 Indiana counties
- Households in St. Joseph County, IN
- 107,0052.55 people each
- Owner-occupied homes in St. Joseph County, IN
- 68.8%73,649 owner and 33,356 renter households
- Median household income in St. Joseph County, IN
- $64,88554 of 92 Indiana counties
- Housing units in St. Joseph County, IN
- 118,32911,324 vacant or seasonal, 9.6% of the units
- Homes heated by electricity in St. Joseph County, IN
- 15.4%16,438 homes, 80 of 92 Indiana counties
- Utilities listed for St. Joseph County, IN
- 55 with a home price: City of Mishawaka, Kankakee Valley Rural E M C, Indiana Michigan Power Co
- Lowest home price in St. Joseph County, IN
- 10.32 ¢/kWhCity of Mishawaka, 46.1% below the highest
- Highest home price in St. Joseph County, IN
- 19.16 ¢/kWhMidwest Energy Cooperative
- Monthly bill gap in St. Joseph County, IN
- $80between the two at 901 kWh, $956 a year, 1.47% of the St. Joseph County, IN median income
- ZIP areas touching St. Joseph County, IN
- 2346506 to 46637
- Outage-linked storm events in St. Joseph County, IN
- 203NWS storm events, 2015 to 2025
- Homes built before 1980 in St. Joseph County, IN
- 65.1%median year built 1968
- Flood claims in St. Joseph County, IN
- 55NFIP 2015 to 2025, $879K paid
- Home energy burden in St. Joseph County, IN
- 2.4%$1,236 a year on electricity (DOE LEAD)
Outage risk in St. Joseph County
St. Joseph County, IN, NWS storm events 2015 to 2025: 203 in all, 74.5 per 100,000 residents of 272,574, rank 2 of 92 Indiana counties. Property damage in St. Joseph County, IN: $660K.
Events by year in St. Joseph County, IN
events a year, St. Joseph County, IN
- 4'15
- 17'16
- 2'17
- 13'18
- 22'19
- 12'20
- 34'21
- 15'22
- 23'23
- 40'24
- 21'25
Events by type
| St. Joseph County, IN | FEMA | Score | Rank | Events | Peak | Damage |
|---|---|---|---|---|---|---|
| St. Joseph County, IN, thunderstorm and high wind | Relatively High | 90.7 | 13 of 92 | 174 | 2024 (34) | $615K |
| St. Joseph County, IN, tornado | Relatively High | 90.5 | 12 of 92 | 8 | 2016 (2) | $45K |
| St. Joseph County, IN, hurricane and tropical storm | Very Low | 43.6 | 5 of 92 | 0 | none | $0 |
| St. Joseph County, IN, ice storm | Relatively Moderate | 65.4 | 12 of 92 | 0 | none | $0 |
| St. Joseph County, IN, winter storm and heavy snow | Relatively Moderate | 83.3 | 11 of 92 | 21 | 2022 (7) | $0 |
| St. Joseph County, IN, heat wave | Relatively Moderate | 79.2 | 8 of 92 | 0 | none | $0 |
Housing and heating in St. Joseph County
St. Joseph County, IN: 77,013 of 118,329 homes were built before 1980 and 17,147 in 2000 or later. St. Joseph County, IN has 87,915 detached houses, 18,761 homes in 5+ unit buildings, 1,842 mobile homes, and 33,356 of 107,005 households rent.
Age of homes in St. Joseph County, IN
% of homes by decade built, St. Joseph County, IN
- 18pre-40
- 940s
- 1550s
- 1060s
- 1370s
- 1080s
- 1190s
- 900s
- 510s
- 120+
Heating fuel in St. Joseph County, IN
| St. Joseph County, IN | Value | State median | Gap | Rank |
|---|---|---|---|---|
| St. Joseph County, IN, median year built | 1968 | 1973 | -5 years | 65 of 92 |
| St. Joseph County, IN, built before 1980 | 65.1% | 59.3% | +5.7 points | 29 of 92 |
| St. Joseph County, IN, built 2000 or later | 14.5% | 17.9% | -3.4 points | 62 of 92 |
| St. Joseph County, IN, detached houses | 74.3% | 78.5% | -4.2 points | 76 of 92 |
| St. Joseph County, IN, apartments in 5+ unit buildings | 15.9% | 6.2% | +9.7 points | 5 of 92 |
| St. Joseph County, IN, mobile homes | 1.6% | 6.2% | -4.7 points | 87 of 92 |
| St. Joseph County, IN, renter households | 31.2% | 23.6% | +7.6 points | 8 of 92 |
| St. Joseph County, IN, median home value | $179,800 | $171,400 | +$8,400 | 42 of 92 |
| St. Joseph County, IN, median gross rent a month | $1,030 | $850 | +$180 | 13 of 92 |
| St. Joseph County, IN, people per household | 2.44 | 2.46 | -0.02 | 54 of 92 |
Flood claims and flood insurance in St. Joseph County
St. Joseph County, IN: 55 NFIP flood claims in 2015 to 2025, $879K paid, median paid claim $9,219.
232 of 97,233 residential structures in St. Joseph County, IN carry an NFIP contract. 262 NFIP policies of any type were in force in St. Joseph County, IN on 8 Sep 2026. St. Joseph County, IN lists 13 repetitive-loss properties.
St. Joseph County, IN: claims history, not an outage count.
Flood claims by year in St. Joseph County, IN
flood claims a year, St. Joseph County, IN
- <5'15
- 23'16
- 0'17
- 28'18
- <5'19
- <5'20
- <5'21
- 0'22
- 0'23
- 0'24
- 0'25
| St. Joseph County, IN | Value | Median county | Rank |
|---|---|---|---|
| St. Joseph County, IN, claims 2015-2025 | 55 | — | 14 of 67 |
| St. Joseph County, IN, paid 2015-2025 | $879K | — | 17 of 67 |
| St. Joseph County, IN, median paid claim | $9,219 | — | — |
| St. Joseph County, IN, claims per 1,000 homes | 0.6 | 0.9 | 47 of 67 |
| St. Joseph County, IN, homes with flood insurance | 0.2% | 0.4% | 67 of 91 |
| St. Joseph County, IN, policies in force | 262 | — | — |
| St. Joseph County, IN, repetitive-loss properties | 13 | — | — |
St. Joseph County, IN: OpenFEMA NFIP, claims as of 8 Sep 2026, insured share as of 3 Aug 2026; counts under 5 are hidden.
St. Joseph County: flood claims by state, flood hub.
Analyst note on St. Joseph County
St. Joseph County, IN touches 23 ZIP areas, 46506 to 46637, about 11,851 residents each. St. Joseph County, IN counts 272,574 residents in 107,005 households. 16,438 of the 107,005 homes in St. Joseph County, IN heat with electricity.
Household income in St. Joseph County, IN is $64,885; 73,649 of its 107,005 households own. St. Joseph County, IN has 118,329 housing units, 11,324 (9.6%) vacant or seasonal, and 33,356 rented homes. St. Joseph County, IN logged 203 storm events for its 272,574 residents.
The median home in St. Joseph County, IN dates from 1968. Homes in St. Joseph County, IN pay $1,236 a year for electricity. St. Joseph County, IN home prices run City of Mishawaka to Midwest Energy Cooperative, $80 a month apart at 901 kWh.
Bill and heat pump calculator, St. Joseph County
Compare St. Joseph County with its neighbours
- Marshall County sits 19 miles south of St. Joseph County, IN with 46,225 residents, 105 storm events, median home built 1973, energy burden 3.9%, income $68,041.
- Elkhart County sits 21 miles east of St. Joseph County, IN with 206,868 residents, 158 storm events, median home built 1977, energy burden 2.6%, income $65,617.
- LaPorte County sits 24 miles west of St. Joseph County, IN with 112,141 residents, 89 storm events, median home built 1968, energy burden 2.7%, income $70,452.
- Starke County sits 32 miles southwest of St. Joseph County, IN with 23,300 residents, 50 storm events, median home built 1973, energy burden 3.5%, income $62,933.
- Kosciusko County sits 35 miles southeast of St. Joseph County, IN with 80,357 residents, 139 storm events, median home built 1979, energy burden 2.6%, income $73,922.
Cities in St. Joseph County
- South Bend electricity rates102,866 residents
- Mishawaka electricity rates50,907 residents
- Granger electricity rates30,279 residents
ZIP codes in St. Joseph County
- 46506
- 46530
- 46536
- 46544
- 46545
- 46552
- 46554
- 46556
- 46561
- 46573
- 46574
- 46595
- 46601
- 46613
- 46614
- 46615
- 46616
- 46617
- 46619
- 46624
- 46628
- 46635
- 46637
Indiana: home prices since 2001, planned plants.
Questions on St. Joseph County
St. Joseph County, IN: what do homes pay for electricity?
St. Joseph County, IN homes paid 10.32 to 19.16 cents per kWh in 2024 across 5 listed utilities: $93 to $173 a month at 901 kWh, 1.72% to 3.19% of St. Joseph County, IN income.
St. Joseph County, IN: how many homes heat with electricity?
St. Joseph County, IN: 16,438 of 107,005 occupied homes, 15.4%, rank 80 of 92.
St. Joseph County, IN: median household income?
$64,885 in St. Joseph County, IN, rank 54 of 92; 272,574 residents, 107,005 households.
St. Joseph County, IN: outage-linked storms since 2015?
St. Joseph County, IN: 203 NWS events, peak year 2024.
St. Joseph County, IN: flood insurance claims since 2015?
St. Joseph County, IN: 55 NFIP flood claims, $879K paid, 0.6 per 1,000 homes, 0.2% of homes insured.
How old are the homes in St. Joseph County, IN?
St. Joseph County, IN: median home built 1968; 65.1% predate 1980, 74.3% detached, 15.9% in 5+ unit buildings.
St. Joseph County, IN: share of income for energy?
St. Joseph County, IN homes spend $1,236 a year on electricity, $1,951 on all energy: 2.4% of $81,014; 8.0% for lower incomes.