ZIP 46544 · Penn Township, IN

Six governments run on your community's money

This page shows every government that serves ZIP 46544: 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 46544?
46544 is served by the State of Indiana, St. Joseph County, Penn-Harris-Madison School Corporation, Penn Township, the City of Mishawaka and Mishawaka City Schools. In each one's latest recorded fiscal year, State of Indiana spent $57.7 billion (fiscal year ended June 30, 2024), St. Joseph County spent $255 million (fiscal year ended December 31, 2023), Penn-Harris-Madison School Corporation spent $182 million (fiscal year ended December 31, 2025), Penn Township spent $5.9 million (fiscal year ended December 31, 2025), City of Mishawaka spent $208 million (fiscal year ended December 31, 2025) and Mishawaka City Schools spent $80.8 million (fiscal year ended December 31, 2025). Each government's money is separate.

Which governments collect property tax in 46544?
Of the governments serving 46544, St. Joseph County collected $73.4 million (fiscal year ended December 31, 2023), City of Mishawaka collected $52.1 million (fiscal year ended December 31, 2025), Penn-Harris-Madison School Corporation collected $34.8 million (fiscal year ended December 31, 2025), State of Indiana collected $15.3 million (fiscal year ended June 30, 2024), Mishawaka City Schools collected $12.2 million (fiscal year ended December 31, 2025) and Penn Township collected $4.5 million (fiscal year ended December 31, 2025) in property tax. These are each government's total collections, not a bill for 46544.

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: St. Joseph County, Penn Township, Mishawaka and Penn-Harris-Madison School Corporation

Why not this year? Indiana governments with newer filings show figures from the Indiana Department of Local Government Finance (for 2025). Each other figure is the newest year the U.S. Census Bureau has published for that government, so the years differ and are not the current year. Most governments post their current budget on their own website.

Where property tax goes in 46544

St. Joseph County$73.4 million

34% of its $217 million in revenue · fiscal year ended December 31, 2023

City of Mishawaka$52.1 million

25% of its $207 million in revenue · fiscal year ended December 31, 2025

Penn-Harris-Madison School Corporation$34.8 million

24% of its $148 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

Mishawaka City Schools$12.2 million

15% of its $79.2 million in revenue · fiscal year ended December 31, 2025

Penn Township$4.5 million

67% of its $6.7 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

St. Joseph County

$255 million budget in the latest fiscal year on record, which ended December 31, 2023.

Where the money comes from

County taxes39%State tax money20%Fines and other19%Fees for services (airport, garbage collection)11%Federal tax money10%Local tax money1.4%
Full St. Joseph County breakdown

What stands out

18%

of St. Joseph County's money comes from interest, rents and other revenue.A typical U.S. county of 250,000+ people gets 6%.

County taxes39%

Property tax
34%$73.4 million
Other taxes
4.8%$10.4 million
What's in other taxesOther selective sales taxes and other licenses
  • Other selective sales taxes$10.2 million
  • Other licenses$234 thousand

Amounts are by Census tax category.

Fees for services11%

Fees for services
11%$23.6 million
What's in fees for servicesAirport; garbage collection and 3 more
  • Airport$13.1 million
  • Garbage collection$5.1 million
  • Other service charges$5.0 million
  • Parks and recreation$354 thousand
  • Housing$28 thousand

Amounts are by Census type of charge.

Federal tax money10%

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

From the federal government
10%$22.5 million

State tax money20%

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

From the state
20%$43.7 million

Local tax money1.4%

Money passed on by the county or other local governments.

From other local governments
1.4%$3.0 million

Fines and other19%

Interest, rents and other
18%$40.0 million
Fines
0.2%$412 thousand
St. Joseph County page →

Where the money goes

Police, fire, courts and jails39%Running the government and other costs34%Roads, transit and parking18%Parks, recreation and libraries2.9%Housing and community development1.9%All other spending3.6%

What stands out

18%

of St. Joseph County's spending goes to roads, transit and parking.A typical U.S. county of 250,000+ people spends 6.3%.

Full St. Joseph County breakdown

Spending by category100%

Police, fire, courts and jails
39%$100 million
What's in police, fire, courts and jailsPolice; courts and legal services and 3 more
  • Police$62.3 million
  • Courts and legal services$17.2 million
  • Prisons and jails$16.2 million
  • Probation, parole and other corrections$4.4 million
  • Inspections and regulation$135 thousand
Running the government and other costs
34%$87.7 million
What's in running the government and other costsCentral staff services (personnel, purchasing, technology); finance, tax collection and budgeting and 2 more
  • Central staff services (personnel, purchasing, technology)$44.3 million
  • Finance, tax collection and budgeting$23.2 million
  • Other and not broken out$16.3 million
  • Government buildings$3.8 million
Roads, transit and parking
18%$45.8 million
What's in roads, transit and parkingRoads and highways; airports and 1 more
  • Roads and highways$25.8 million
  • Airports$19.9 million
  • Public transit$42 thousand
Parks, recreation and libraries
2.9%$7.5 million
What's in parks, recreation and librariesParks and recreation
  • Parks and recreation$7.5 million
Housing and community development
1.9%$5.0 million
Water, sewer, trash and utilities
1.5%$3.8 million
What's in water, sewer, trash and utilitiesGarbage and solid waste
  • Garbage and solid waste$3.8 million
Health and hospitals
1.0%$2.6 million
What's in health and hospitalsPublic health
  • Public health$2.6 million
Interest on debt
0.6%$1.6 million
Environment and natural resources
0.4%$1.1 million
What's in environment and natural resourcesNatural resources, farming and conservation
  • Natural resources, farming and conservation$1.1 million
Schools and colleges
<0.1%$3 thousand
What's in schools and collegesElementary and secondary schools
  • Elementary and secondary schools$3 thousand
St. Joseph County page →

Your cities and towns

Penn Township

$5.9 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 84% of this ZIP is in Penn Township.

Where the money comes from

Township taxes79%Fines and other13%Fees for services7.6%
Full Penn Township breakdown

Township taxes79%

Property tax
67%$4.5 million
Local income tax
7.2%$484 thousand
Other taxes
5.1%$343 thousand

Fees for services7.6%

Fees for services
7.6%$512 thousand

State tax money<0.1%

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

From the state
<0.1%$2 thousand

Fines and other13%

Interest, rents and other
13%$895 thousand
Penn Township page →

Where the money goes

Police, fire, courts and jails90%Running the government and other costs6.2%Social services3.6%
Full Penn Township breakdown

Spending by category100%

Police, fire, courts and jails
90%$5.4 million
Running the government and other costs
6.2%$370 thousand
Social services
3.6%$215 thousand
Penn Township page →

City of Mishawaka

$208 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 22% of this ZIP is in Mishawaka.

Where the money comes from

Fees for services54%City taxes36%Fines and other6.2%State tax money4.0%Federal tax money0.3%
Full Mishawaka breakdown

City taxes36%

Property tax
25%$52.1 million
Other taxes
8.6%$17.8 million
Local income tax
2.0%$4.1 million

Fees for services54%

Fees for services
54%$111 million

Federal tax money0.3%

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

From the federal government
0.3%$598 thousand

State tax money4.0%

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

From the state
4.0%$8.4 million

Fines and other6.2%

Interest, rents and other
6.2%$12.7 million
Fines
<0.1%$28 thousand
Mishawaka page →

Where the money goes

Water, sewer, trash and utilities49%Police, fire, courts and jails18%Debt payments (principal and interest)12%Housing and community development8.1%Running the government and other costs4.9%All other spending8.1%
Full Mishawaka breakdown

Spending by category100%

Water, sewer, trash and utilities
49%$102 million
Police, fire, courts and jails
18%$38.0 million
Debt payments (principal and interest)
12%$24.1 million
Housing and community development
8.1%$16.9 million
Running the government and other costs
4.9%$10.2 million
Roads, transit and parking
3.7%$7.6 million
Parks, recreation and libraries
2.8%$5.7 million
Pension contributions
1.6%$3.3 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.
Health and hospitals
<0.1%$21 thousand
Mishawaka page →

Your schools

Penn-Harris-Madison School Corporation

$182 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 84% of this ZIP is in Penn-Harris-Madison School Corporation.

Where the money comes from

State tax money63%School district taxes25%Federal tax money5.1%Fees for services4.4%Fines and other2.7%County and local tax money<0.1%
Full Penn-Harris-Madison School Corporation breakdown

School district taxes25%

Property tax
24%$34.8 million
Other taxes
1.7%$2.6 million

Fees for services4.4%

Fees for services
4.4%$6.5 million

Federal tax money5.1%

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

From the federal government
5.1%$7.5 million

State tax money63%

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

From the state
63%$92.5 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%$124 thousand

Fines and other2.7%

Interest, rents and other
2.7%$3.9 million
Penn-Harris-Madison School Corporation page →

Where the money goes

Schools and colleges90%Debt payments (principal and interest)9.9%
Full Penn-Harris-Madison School Corporation breakdown

Spending by category100%

Schools and colleges
90%$164 million
Debt payments (principal and interest)
9.9%$18.0 million
Penn-Harris-Madison School Corporation page →

Mishawaka City Schools

$80.8 million budget in fiscal year 2025 (ended December 31, 2025), from the Indiana Department of Local Government Finance.

About 16% of this ZIP is in Mishawaka City Schools.

Where the money comes from

State tax money61%School district taxes16%Fines and other14%Federal tax money8.5%Fees for services0.6%
Full Mishawaka City Schools breakdown

School district taxes16%

Property tax
15%$12.2 million
Other taxes
0.9%$723 thousand

Fees for services0.6%

Fees for services
0.6%$455 thousand

Federal tax money8.5%

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

From the federal government
8.5%$6.7 million

State tax money61%

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

From the state
61%$48.0 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%$68

Fines and other14%

Interest, rents and other
14%$11.0 million
Mishawaka City Schools page →

Where the money goes

Schools and colleges89%Debt payments (principal and interest)11%
Full Mishawaka City Schools breakdown

Spending by category100%

Schools and colleges
89%$72.2 million
Debt payments (principal and interest)
11%$8.6 million
Mishawaka City 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.

St. Joseph County. U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended December 31, 2023.

Penn-Harris-Madison School Corporation. 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.

Penn 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 Mishawaka. 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.

Mishawaka City 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.