Electric companies in St. Joseph County, Indiana

Q: 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.

Q: 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.

Q: St. Joseph County, IN: median household income?

$64,885 in St. Joseph County, IN, rank 54 of 92; 272,574 residents, 107,005 households.

Q: St. Joseph County, IN: outage-linked storms since 2015?

St. Joseph County, IN: 203 NWS events, peak year 2024.

Q: 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.

Q: 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.

Q: 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.

St. Joseph County, IN ranks 2nd of 92 Indiana counties for the lowest yearly electricity cost per home ($1,236). St. Joseph County, IN has 272,574 residents. St. Joseph County, IN: 5 utilities listed by EIA. St. Joseph County, IN: home electricity prices of 10.32 to 19.16 cents per kWh.

St. Joseph County, IN on the map

St. Joseph County, IN darker: more storm events

Cost of living with electricity in St. Joseph County, IN

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

% of income on energy, St. Joseph County, IN

All households2.4
Lower income8.0
Owners2.3
Renters3.0
Indiana counties2.7

St. Joseph County, IN home energy cost by household group
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, IN

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, IN

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)

Electricity price since 2015 in St. Joseph County, IN

Northern Indiana Pub Serv Co charged St. Joseph County, IN homes 12.90 ¢/kWh in 2015. St. Joseph County, IN: 19.09 ¢ in 2024, 48% up. St. Joseph County, IN: against 28% up for the Indiana average.

St. Joseph County, IN: a 901 kWh month at that price. St. Joseph County, IN: $116 in 2015, $172 in 2024. St. Joseph County, IN: $2,064 a year, 3.2% of the $64,885 median income.

St. Joseph: 10 yearly prices

Year	Northern Indiana Pub Serv Co, St. Joseph County, IN	St. Joseph: Gap to Indiana average	St. Joseph: Gap to U.S. average
2015, St. Joseph	12.90	+1.33	+0.25
2016, St. Joseph	13.01	+1.22	+0.46
2017, St. Joseph	14.44	+2.15	+1.55
2018, St. Joseph	13.99	+1.73	+1.12
2019, St. Joseph	14.29	+1.71	+1.28
2020, St. Joseph	15.15	+2.32	+2.00
2021, St. Joseph	16.01	+2.64	+2.35
2022, St. Joseph	17.01	+2.42	+1.97
2023, St. Joseph	17.89	+2.95	+1.89
2024, St. Joseph	19.09	+4.32	+2.61

St. Joseph County, IN: EIA-861 home prices, 2015 to 2024, not a St. Joseph County, IN price.

CSV

Outage risk in St. Joseph County, IN

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

events by type, St. Joseph County, IN

Thunderstorm and high wind174
Winter storm and heavy snow21
Tornado8

St. Joseph County, IN outage-linked hazards
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, IN

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

% of homes by main fuel, St. Joseph County

Utility gas81.3
Electricity15.4
Propane2.3

St. Joseph County, IN housing against Indiana counties
St. Joseph County, IN	Value	State median	Gap	Rank (1 = highest)
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, IN

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 flood claims and flood insurance
St. Joseph County, IN	Value	Median county	Rank (1 = highest)
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, IN: flood claims by state, flood hub.

Climate and electric heating in St. Joseph County, IN

St. Joseph County, IN totals 6,307 heating degree days and 721 cooling degree days a year (1991-2020 normal).

For heating, St. Joseph County, IN is the 3rd coldest of 92 counties in Indiana: 6,307 against a median of 5,588. For cooling, St. Joseph County, IN is the 87th hottest: 721 against a median of 896.

St. Joseph County, IN is a cold-winter county, with 5,586 more heating than cooling degree days.

St. Joseph County, IN: 5,963 heating degree days in 2016-2025, 6,307 on the normal, 5% under.

In St. Joseph County, IN, a minority of homes heat with electricity: 15.4% of 107,005, in a 6,307 degree-day climate.

St. Joseph County, IN

Heating degree days, 6,307 vs 5,588113
Cooling degree days, 721 vs 89681
Electric heat, 15.4% vs 32.0%48
IN median county100

St. Joseph County, IN: degree days, electric heat
St. Joseph County, IN	Value	IN median county	St. Joseph County, IN, rank (1 = highest)
St. Joseph County, IN, heating degree days, 1991-2020 normal	6,307	5,588	3 of 92
St. Joseph County, IN, heating degree days, 2016-2025 mean	5,963	5,260	4 of 92
St. Joseph County, IN, cooling degree days, 1991-2020 normal	721	896	87 of 92
St. Joseph County, IN, cooling degree days, 2016-2025 mean	809	992	87 of 92
St. Joseph County, IN, electric heating, ACS 2019-2023	15.4%	32.0%	80 of 92

St. Joseph County, IN: ACS B25040, 107,005 homes; NOAA nClimDiv, retrieved 7 Oct 2026.

Analyst note on St. Joseph County, IN

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 electricity prices run City of Mishawaka to Midwest Energy Cooperative, $80 a month apart at 901 kWh.

Bill and heat pump calculator, St. Joseph County, IN

Compare St. Joseph County, IN with its neighbours

Marshall County sits 19 miles south of St. Joseph County, IN, with 46,225 residents against 272,574 there, 105 storm events against 203, median home built 1973 against 1968, energy burden 3.9% against 2.4%, income $68,041 against $64,885.
Elkhart County sits 21 miles east of St. Joseph County, IN, with 206,868 residents against 272,574 there, 158 storm events against 203, median home built 1977 against 1968, energy burden 2.6% against 2.4%, income $65,617 against $64,885.
LaPorte County sits 24 miles west of St. Joseph County, IN, with 112,141 residents against 272,574 there, 89 storm events against 203, median home built 1968 against 1968, energy burden 2.7% against 2.4%, income $70,452 against $64,885.
Starke County sits 32 miles southwest of St. Joseph County, IN, with 23,300 residents against 272,574 there, 50 storm events against 203, median home built 1973 against 1968, energy burden 3.5% against 2.4%, income $62,933 against $64,885.
Kosciusko County sits 35 miles southeast of St. Joseph County, IN, with 80,357 residents against 272,574 there, 139 storm events against 203, median home built 1979 against 1968, energy burden 2.6% against 2.4%, income $73,922 against $64,885.

Cities in St. Joseph County, IN

South Bend electricity rates102,866 residents
Mishawaka electricity rates50,907 residents
Granger electricity rates30,279 residents

ZIP codes in St. Joseph County, IN

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, IN

St. Joseph County, IN: what do homes pay for electricity?