ZIP 46516 · Concord Township, IN

Eight governments run on your community's money

This page shows every government that serves ZIP 46516: the state, county, city or town and school district, and where each one's money comes from and goes.

Each government is shown for its own newest fiscal year on file, so the years differ. Figures come from the U.S. Census Bureau's Annual Survey of State and Local Government Finances, the government's own report or, for Indiana governments, the Indiana Department of Local Government Finance, as named under Sources and more.

Where do my taxes go in 46516?
46516 is served by the State of Indiana, Elkhart County, Concord Township, the City of Elkhart, Concord Community Schools, Elkhart Community Schools, Baugo Township and Baugo Community Schools. In each one's latest recorded fiscal year, State of Indiana spent $57.7 billion (fiscal year ended June 30, 2024), Elkhart County spent $218 million (fiscal year ended December 31, 2025), Concord Township spent $3.7 million (fiscal year ended December 31, 2025), City of Elkhart spent $201 million (fiscal year ended December 31, 2025), Concord Community Schools spent $84.0 million (fiscal year ended December 31, 2025), Elkhart Community Schools spent $187 million (fiscal year ended December 31, 2025), Baugo Township spent $2.1 million (fiscal year ended December 31, 2025) and Baugo Community Schools spent $29.6 million (fiscal year ended December 31, 2025). Each government's money is separate.

Which governments collect property tax in 46516?
Of the governments serving 46516, Elkhart County collected $108 million (fiscal year ended December 31, 2025), City of Elkhart collected $61.6 million (fiscal year ended December 31, 2025), Elkhart Community Schools collected $43.4 million (fiscal year ended December 31, 2025), Concord Community Schools collected $21.1 million (fiscal year ended December 31, 2025), State of Indiana collected $15.3 million (fiscal year ended June 30, 2024), Baugo Community Schools collected $9.7 million (fiscal year ended December 31, 2025), Concord Township collected $2.4 million (fiscal year ended December 31, 2025) and Baugo Township collected $1.2 million (fiscal year ended December 31, 2025) in property tax. These are each government's total collections, not a bill for 46516.

See another ZIP code

From the state down to your schools: where each one's money comes from and goes.

See the full budget for: Elkhart County, Concord Township, Elkhart and Baugo Township

Figures for Indiana governments come from the Indiana Department of Local Government Finance and are for 2025. The state government's own figures are the newest year the U.S. Census Bureau has published.

Where property tax goes in 46516

Elkhart County$108 million

51% of its $212 million in revenue · fiscal year ended December 31, 2025

City of Elkhart$61.6 million

36% of its $173 million in revenue · fiscal year ended December 31, 2025

Elkhart Community Schools$43.4 million

26% of its $169 million in revenue · fiscal year ended December 31, 2025

Concord Community Schools$21.1 million

27% of its $78.3 million in revenue · fiscal year ended December 31, 2025

State of Indiana$15.3 million

<0.1% of its $57.5 billion in revenue · fiscal year ended June 30, 2024

Baugo Community Schools$9.7 million

34% of its $28.9 million in revenue · fiscal year ended December 31, 2025

Concord Township$2.4 million

59% of its $4.1 million in revenue · fiscal year ended December 31, 2025

Baugo Township$1.2 million

55% of its $2.2 million in revenue · fiscal year ended December 31, 2025

These are each government's total property tax collections, not your bill. Your own bill is split by each government's tax rate, shown on your property tax bill.

Your county

Elkhart County

$218 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

Where the money comes from

County taxes63%Fines and other17%Fees for services8.4%State tax money7.8%Federal tax money4.4%
Full Elkhart County breakdown

County taxes63%

Property tax
51%$108 million
Local income tax
7.0%$14.8 million
Other taxes
4.4%$9.4 million

Fees for services8.4%

Fees for services
8.4%$17.8 million

Federal tax money4.4%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
4.4%$9.3 million

State tax money7.8%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
7.8%$16.5 million

Fines and other17%

Interest, rents and other
17%$35.0 million
Fines
0.3%$728 thousand
Elkhart County page →

Where the money goes

Running the government and other costs38%Police, fire, courts and jails29%Roads, transit and parking8.0%Housing and community development7.4%Water, sewer, trash and utilities6.1%All other spending11%
Full Elkhart County breakdown

Spending by category100%

Running the government and other costs
38%$83.3 million
Police, fire, courts and jails
29%$62.9 million
Roads, transit and parking
8.0%$17.6 million
Housing and community development
7.4%$16.1 million
Water, sewer, trash and utilities
6.1%$13.2 million
Debt payments (principal and interest)
5.7%$12.5 million
Health and hospitals
1.9%$4.1 million
Parks, recreation and libraries
1.7%$3.7 million
Social services
1.6%$3.5 million
Environment and natural resources
0.4%$962 thousand
Pension contributions
0.1%$300 thousand
Money paid out of the government's own pension fund (for example its IMRF or police and fire pension fund). Pension payments made from other funds are counted with the departments that pay them.
Elkhart County page →

Your cities and towns

Concord Township

$3.7 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 76% of this ZIP is in Concord Township.

Where the money comes from

Township taxes86%Fees for services14%Fines and other0.3%
Full Concord Township breakdown

Township taxes86%

Property tax
59%$2.4 million
Local income tax
23%$933 thousand
Other taxes
3.9%$159 thousand

Fees for services14%

Fees for services
14%$555 thousand

Fines and other0.3%

Interest, rents and other
0.3%$12 thousand
Concord Township page →

Where the money goes

Running the government and other costs68%Police, fire, courts and jails30%Social services1.5%Sent to other local governments0.3%
Full Concord Township breakdown

Spending by category100%

Running the government and other costs
68%$2.5 million
Police, fire, courts and jails
30%$1.1 million
Social services
1.5%$57 thousand
Sent to other local governments
0.3%$10 thousand
Concord Township page →

City of Elkhart

$201 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 53% of this ZIP is in Elkhart.

Where the money comes from

City taxes59%Fees for services21%Fines and other12%State tax money5.3%Federal tax money1.8%
Full Elkhart breakdown

City taxes59%

Property tax
36%$61.6 million
Local income tax
21%$36.0 million
Other taxes
3.2%$5.5 million

Fees for services21%

Fees for services
21%$36.8 million

Federal tax money1.8%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
1.8%$3.1 million

State tax money5.3%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
5.3%$9.1 million

Fines and other12%

Interest, rents and other
11%$18.6 million
Fines
1.5%$2.6 million
Elkhart page →

Where the money goes

Police, fire, courts and jails29%Water, sewer, trash and utilities21%Running the government and other costs19%Roads, transit and parking10%Pension contributions7.0%All other spending13%
Full Elkhart breakdown

Spending by category100%

Police, fire, courts and jails
29%$59.3 million
Water, sewer, trash and utilities
21%$43.2 million
Running the government and other costs
19%$38.3 million
Roads, transit and parking
10%$20.4 million
Pension contributions
7.0%$14.1 million
Money paid out of the government's own pension fund (for example its IMRF or police and fire pension fund). Pension payments made from other funds are counted with the departments that pay them.
Housing and community development
4.5%$9.1 million
Parks, recreation and libraries
4.1%$8.3 million
Debt payments (principal and interest)
4.0%$8.1 million
Social services
0.3%$535 thousand
Elkhart page →

Baugo Township

$2.1 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 15% of this ZIP is in Baugo Township.

Where the money comes from

Township taxes79%Fees for services14%Fines and other7.3%State tax money0.5%
Full Baugo Township breakdown

Township taxes79%

Property tax
55%$1.2 million
Local income tax
19%$416 thousand
Other taxes
4.4%$96 thousand

Fees for services14%

Fees for services
14%$299 thousand

State tax money0.5%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
0.5%$10 thousand

Fines and other7.3%

Interest, rents and other
7.3%$159 thousand
Baugo Township page →

Where the money goes

Police, fire, courts and jails59%Running the government and other costs36%Social services4.7%Parks, recreation and libraries0.2%
Full Baugo Township breakdown

Spending by category100%

Police, fire, courts and jails
59%$1.2 million
Running the government and other costs
36%$747 thousand
Social services
4.7%$96 thousand
Parks, recreation and libraries
0.2%$5 thousand
Baugo Township page →

Your schools

Concord Community Schools

$84.0 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 44% of this ZIP is in Concord Community Schools.

Where the money comes from

State tax money57%School district taxes29%Federal tax money11%Fines and other1.8%Fees for services1.6%County and local tax money0.1%
Full Concord Community Schools breakdown

School district taxes29%

Property tax
27%$21.1 million
Other taxes
1.7%$1.3 million
Local income tax
0.6%$475 thousand

Fees for services1.6%

Fees for services
1.6%$1.3 million

Federal tax money11%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
11%$8.3 million

State tax money57%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
57%$44.3 million

County and local tax money0.1%

Money passed on by the county or other local governments.

From the county and other local governments
0.1%$91 thousand

Fines and other1.8%

Interest, rents and other
1.8%$1.4 million
Concord Community Schools page →

Where the money goes

Schools and colleges83%Debt payments (principal and interest)17%
Full Concord Community Schools breakdown

Spending by category100%

Schools and colleges
83%$69.6 million
Debt payments (principal and interest)
17%$14.4 million
Concord Community Schools page →

Elkhart Community Schools

$187 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 38% of this ZIP is in Elkhart Community Schools.

Where the money comes from

State tax money55%School district taxes28%Federal tax money13%County and local tax money2.4%Fines and other1.1%Fees for services0.3%
Full Elkhart Community Schools breakdown

School district taxes28%

Property tax
26%$43.4 million
Other taxes
1.8%$3.1 million
Local income tax
0.8%$1.4 million

Fees for services0.3%

Fees for services
0.3%$455 thousand

Federal tax money13%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
13%$21.5 million

State tax money55%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
55%$93.3 million

County and local tax money2.4%

Money passed on by the county or other local governments.

From the county and other local governments
2.4%$4.0 million

Fines and other1.1%

Interest, rents and other
1.1%$1.8 million
Elkhart Community Schools page →

Where the money goes

Schools and colleges89%Debt payments (principal and interest)11%
Full Elkhart Community Schools breakdown

Spending by category100%

Schools and colleges
89%$167 million
Debt payments (principal and interest)
11%$19.8 million
Elkhart Community Schools page →

Baugo Community Schools

$29.6 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 15% of this ZIP is in Baugo Community Schools.

Where the money comes from

State tax money53%School district taxes37%Federal tax money5.5%Fines and other2.6%Fees for services1.6%
Full Baugo Community Schools breakdown

School district taxes37%

Property tax
34%$9.7 million
Other taxes
2.3%$665 thousand
Local income tax
1.0%$289 thousand

Fees for services1.6%

Fees for services
1.6%$475 thousand

Federal tax money5.5%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
5.5%$1.6 million

State tax money53%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
53%$15.4 million

County and local tax money<0.1%

Money passed on by the county or other local governments.

From the county and other local governments
<0.1%$16

Fines and other2.6%

Interest, rents and other
2.6%$756 thousand
Baugo Community Schools page →

Where the money goes

Schools and colleges79%Debt payments (principal and interest)21%
Full Baugo Community Schools breakdown

Spending by category100%

Schools and colleges
79%$23.3 million
Debt payments (principal and interest)
21%$6.3 million
Baugo Community Schools page →

Your state

State of Indiana

$57.7 billion budget in the latest fiscal year on record, which ended June 30, 2024.

Where the money comes from

State taxes46%Federal tax money41%Fees for services (college tuition, university housing and dining)7.6%Fines and other5.1%Local tax money0.3%
Full Indiana breakdown

What stands out

19%

of Indiana's money comes from sales tax.A typical state government gets 14%.

State taxes46%

Sales tax
19%$11.0 billion
Local income tax
14%$8.10 billion
Other taxes
11%$6.38 billion
What's in other taxesOther selective sales taxes; motor fuel taxes and 14 more
  • Other selective sales taxes$2.13 billion
  • Motor fuel taxes$1.73 billion
  • Motor vehicle licenses$643 million
  • Amusement taxes$621 million
  • Tobacco taxes$340 million
  • Driver's licenses$293 million
  • Insurance premium taxes$273 million
  • Occupation and business licenses$142 million
  • Other licenses$57.4 million
  • Alcoholic beverage taxes$55.7 million
  • Hunting and fishing licenses$26.8 million
  • Public utility taxes$20.5 million
  • Alcoholic beverage licenses$17.4 million
  • Amusement licenses$15.3 million
  • Corporation licenses$12.6 million
  • Severance taxes$1.8 million

Amounts are by Census tax category.

Business income tax
1.7%$965 million
Property tax
<0.1%$15.3 million

Fees for services7.6%

Fees for services
7.6%$4.40 billion
What's in fees for servicesCollege tuition; university housing and dining and 9 more
  • College tuition$3.23 billion
  • University housing and dining$817 million
  • Other service charges$204 million
  • Parks, land and natural resources$66.6 million
  • Parks and recreation$48.0 million
  • Ports and waterways$23.8 million
  • Housing$7.6 million
  • Other education charges$5.7 million
  • Road charges$2.1 million
  • Hospital bills$177 thousand
  • Other school charges$1 thousand

Amounts are by Census type of charge.

Federal tax money41%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
41%$23.6 billion

Local tax money0.3%

Money passed on by the county or other local governments.

From local governments
0.3%$172 million

Fines and other5.1%

Interest, rents and other
5.0%$2.90 billion
Fines
<0.1%$56.0 million
Indiana page →

Where the money goes

Social services40%Sent to local governments26%Schools and colleges16%Roads, transit and parking5.5%Running the government and other costs4.2%All other spending8.3%

What stands out

40%

of Indiana's spending goes to social services.A typical state government spends 31%.

Full Indiana breakdown

Spending by category100%

Social services
40%$23.1 billion
What's in social servicesOther public welfare; unemployment and social insurance offices and 2 more
  • Other public welfare$22.9 billion
  • Unemployment and social insurance offices$90.0 million
  • Welfare institutions$29.0 million
  • Veterans' services$18.6 million
Sent to local governments
26%$14.8 billion
What's in sent to local governmentsSent to school districts; sent to local governments: roads and highways and 18 more
  • Sent to school districts$11.4 billion
  • Sent to local governments: roads and highways$1.37 billion
  • Sent to local governments: general support$1.23 billion
  • Sent to local governments: other and not broken out$350 million
  • Sent to local governments: public health$116 million
  • Sent to local governments: probation, parole and other corrections$72.3 million
  • Sent to local governments: courts and legal services$61.3 million
  • Sent to local governments: housing and community development$53.4 million
  • Sent to local governments: other public welfare$47.1 million
  • Sent to local governments: police$30.6 million
  • Sent to local governments: natural resources, farming and conservation$15.2 million
  • Sent to local governments: prisons and jails$8.0 million
  • Sent to local governments: parks and recreation$7.4 million
  • Sent to local governments: sewer systems$3.9 million
  • Sent to local governments: inspections and regulation$3.8 million
  • Sent to local governments: other government administration$3.4 million
  • Sent to local governments: garbage and solid waste$2.8 million
  • Sent to local governments: libraries$1.4 million
  • Sent to the federal government$1.1 million
  • Sent to local governments: central staff services (personnel, purchasing, technology)$122 thousand
Schools and colleges
16%$9.47 billion
What's in schools and collegesColleges and universities; scholarships and other education subsidies and 2 more
  • Colleges and universities$6.72 billion
  • Scholarships and other education subsidies$1.21 billion
  • College housing, dining and bookstores$1.19 billion
  • Other education$358 million
Roads, transit and parking
5.5%$3.17 billion
What's in roads, transit and parkingRoads and highways; toll roads and bridges and 2 more
  • Roads and highways$2.97 billion
  • Toll roads and bridges$166 million
  • Ports and harbors$29.5 million
  • Airports$3.8 million
Running the government and other costs
4.2%$2.42 billion
What's in running the government and other costsOther and not broken out; finance, tax collection and budgeting and 3 more
  • Other and not broken out$1.63 billion
  • Finance, tax collection and budgeting$451 million
  • Central staff services (personnel, purchasing, technology)$242 million
  • Other government administration$97.5 million
  • Government buildings$669 thousand
Police, fire, courts and jails
3.5%$2.00 billion
What's in police, fire, courts and jailsPrisons and jails; police and 3 more
  • Prisons and jails$1.06 billion
  • Police$508 million
  • Courts and legal services$284 million
  • Inspections and regulation$129 million
  • Probation, parole and other corrections$21.2 million
Health and hospitals
1.9%$1.11 billion
What's in health and hospitalsPublic health and hospitals
  • Public health$909 million
  • Hospitals$198 million
Housing and community development
1.2%$720 million
Environment and natural resources
1.0%$556 million
What's in environment and natural resourcesNatural resources, farming and conservation
  • Natural resources, farming and conservation$556 million
Interest on debt
0.5%$289 million
Parks, recreation and libraries
0.2%$94.3 million
What's in parks, recreation and librariesParks and recreation and libraries
  • Parks and recreation$82.4 million
  • Libraries$11.9 million
Water, sewer, trash and utilities
<0.1%$9.4 million
What's in water, sewer, trash and utilitiesGarbage and solid waste and sewer systems
  • Garbage and solid waste$7.2 million
  • Sewer systems$2.2 million
Indiana page →
Sources and moreEach government's source, fiscal year and how a ZIP is matched

State of Indiana. U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

Elkhart County. Indiana Department of Local Government Finance, Gateway, Annual Financial Report fiscal year 2025, fiscal year ended December 31, 2025. The earlier Census figures are from U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended December 31, 2023.

Concord Township. Indiana Department of Local Government Finance, Gateway, Annual Financial Report fiscal year 2025, fiscal year ended December 31, 2025. The earlier Census figures are from U.S. Census Bureau, 2022 Census of Governments, Finance, individual unit file, fiscal year ended December 31, 2021.

City of Elkhart. Indiana Department of Local Government Finance, Gateway, Annual Financial Report fiscal year 2025, fiscal year ended December 31, 2025. The earlier Census figures are from U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended December 31, 2023.

Concord Community Schools. Indiana Department of Local Government Finance, Gateway, Annual Financial Report fiscal year 2025, fiscal year ended December 31, 2025. The earlier Census figures are from U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

Elkhart Community Schools. Indiana Department of Local Government Finance, Gateway, Annual Financial Report fiscal year 2025, fiscal year ended December 31, 2025. The earlier Census figures are from U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

Baugo Township. Indiana Department of Local Government Finance, Gateway, Annual Financial Report fiscal year 2025, fiscal year ended December 31, 2025. The earlier Census figures are from U.S. Census Bureau, 2022 Census of Governments, Finance, individual unit file, fiscal year ended December 31, 2021.

Baugo Community Schools. Indiana Department of Local Government Finance, Gateway, Annual Financial Report fiscal year 2025, fiscal year ended December 31, 2025. The earlier Census figures are from U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

How these figures are counted. Revenue and spending are the Annual Financial Report figures that an Indiana government filed with the Indiana Department of Local Government Finance, grouped into the same categories as the Census figures. The report covers the government's general, special revenue, capital projects, debt service and enterprise funds (utilities, airports and the like). Borrowing, transfers between a government's own funds, internal service funds, payroll and clearing accounts, and money held for others (court and clerk accounts, property tax settlement, trusts) are not counted. The reports are self-reported and are not audited by the Department.

Cash basis. Indiana local governments report cash received and paid, so a year with a big construction project can show more spending than revenue.

Debt payments. Indiana's report lists the principal and interest paid on debt, so the "Debt payments" line includes principal as well as interest. The Census figures leave principal out, so spending can be higher than the Census figure for the same government.

Employee benefits are not a separate line here: the report sorts spending by fund and by department, so salaries and benefits sit inside each service. Capital outlay is counted under the service it paid for. Pension contributions are shown separately when the government pays them through its own police or fire pension fund.

Federal and state money. The report combines federal and state grants in one line, so the split between federal and state money is an estimate: federal money is the federal awards the government lists in its grants schedule, and the rest is shown as state money. Shared state taxes, such as the state's cigarette, alcohol and highway distributions, are state money. The local income tax is a tax residents pay, so it is shown as a tax. School corporations file for the calendar year.

How a ZIP is matched. A ZIP code is not a government boundary, so we match it to the cities, counties and school districts that overlap it, using Census Bureau geography. Where a ZIP crosses several, each one is shown with its share of the ZIP. Each government's money covers its own operations only; the others listed here are separate.

Latest recorded year. The year differs by government: each block shows the newest fiscal year on file. A Census survey year covers fiscal years ending July 1 of the year before through June 30 of that year.