ZIP code 46540 covers Middlebury, Indiana in Elkhart County. This area is served by 35 utility providers across 6 categories. The average residential electricity rate here is 18.5¢/kWh. 76.4% of households use natural gas as their primary heating fuel.
Estimated monthly utility costs
$493/month
Cost estimates from U.S. Census ACS 5-year data · Shorter bar = lower cost
Electric
Natural Gas
Water
Sewer
Trash & Recycling
Internet
Business Internet
These providers offer business-class internet service in this area.
Nearby ZIP codes
Frequently asked questions
How do I set up utilities when moving to 46540?
Contact each provider separately before your move-in date. Start with electric (Indiana Michigan Power Co) and gas (NIPSCO Gas, 800-464-7726) since those typically need a few business days to activate. Water and sewer are often handled with one call to your local utility. Set up internet last since it may require an installation visit.
How much do utilities cost per month in 46540?
Total estimated monthly costs are around $492, which is about $109 more than the national average. Electricity is the biggest expense at roughly $225/month. Natural gas runs about $225. Water and sewer combined are around $43. Costs vary by home size, usage, and season. Estimates from U.S. Census ACS data.
Is electricity expensive in 46540?
Electricity in Middlebury, IN costs about 24% more than the national average. Compared to Indiana overall, rates here are about 22% higher. Based on 2023 NREL residential electricity rate data.
What internet providers are available in 46540?
Middlebury, IN has strong broadband coverage. Providers include AT&T (Fixed Wireless up to 100 Mbps), Brightspeed (DSL up to 10 Mbps), Frontier (DSL up to 115 Mbps), LaGrange County REMC Broadband (Fiber up to 1,000 Mbps), Midwest Energy & Communications (Fiber up to 1,000 Mbps). Availability varies by street address. Based on FCC Broadband Data Collection filings.
What county is 46540 in?
ZIP code 46540 is in Elkhart County, Indiana.
Disclaimer: Provider information is sourced from federal databases including HIFLD, EPA SDWIS, FCC Broadband Data, and EIA-861. Utility cost estimates are from the U.S. Census Bureau American Community Survey 5-Year Estimates. Electric rates are based on 2023 NREL data. Coverage areas are approximate and may not reflect recent changes. Please verify directly with your provider.
Data sources: U.S. Census Bureau, NREL, EIA-861, HIFLD, EPA, FCC. Last updated: April 2026.