Area Code 574 — South Bend, Indiana

NANP area code

574

UTC−5, UTC−4 during daylight saving

State
Indiana
Primary city
South Bend
Time zone
Eastern
In service
2002

The code reaches 78 communities and 12 counties across Indiana.

Was this call legitimate?

The area code itself carries no risk signal. 574 is assigned to South Bend, Indiana, so a call from it is consistent with a real caller in that area — but the digits alone prove nothing, because they can be forged.

Caller ID is set by whoever places the call, not verified by the network. That is why neighbour spoofing works: an operation anywhere in the world can display a number that matches the area code — and often the first three digits after it — of the person being called, so the call looks local. Every community in the 574 territory is a plausible-looking origin for a forged 574 number, which is why one can be made to look like a neighbour to so many people.

If you did not recognise the call: let it go to voicemail — a legitimate caller with real business will leave one. Do not return the call using the number shown; look the organisation up independently and call the number you found. Never confirm personal details, card numbers, or one-time codes to someone who called you, however plausible the number looked.

Codes.zone publishes no complaint counts, risk scores, or caller identities. We hold no data on individual numbers and will not estimate what we cannot source.

Local time and when to call back

Time there now

Eastern · UTC−5, UTC−4 during daylight saving

Reasonable callback window

8:00 AM – 9:00 PM

local time in Eastern

Federal rules bar telemarketing calls to a residence outside 8:00 AM–9:00 PM in the called party's own time zone. It is a sensible bound for a personal callback too — and a caller who rang you well outside it was not observing it.

Overlay codes

574 is the only area code serving its territory — it has no overlay in the current numbering plan for Indiana. Where a region has no overlay, a number's area code still corresponds to a single geographic area.

Cities served

largest 20 by ZIP count
Communities served by area code 574, ranked by how many ZIP codes each holds.
CityZIP codesCounty
South Bend16St. Joseph County
Elkhart4Elkhart County
Goshen3Elkhart County
Mishawaka3St. Joseph County
Warsaw3Kosciusko County
Akron1Fulton County
Argos1Marshall County
Athens1Fulton County
Atwood1Kosciusko County
Bourbon1Marshall County
Bremen1Marshall County
Bristol1Elkhart County
Buffalo1White County
Burket1Kosciusko County
Burnettsville1White County
Burrows1Carroll County
Camden1Carroll County
Chalmers1White County
Claypool1Kosciusko County
Culver1Marshall County

58 further communities not listed. All Indiana area codes →

Each point is a community served by 574, plotted from its record coordinates. The outline is the convex envelope of those points — a footprint, not a boundary.
  • Reference points and footprint
  • Not an official NANPA boundary
  • Not a USPS delivery area

Scope every community matched to 574. Source geoinfo-dataset (full_dataset) ZIP→NPA (2018 snapshot), GeoNames US postal codes (2026-07 postal dump) and Census 2024 county Gazetteer (2024 Gazetteer). Updated . Coordinates are place reference points, not boundaries.

Counties

Prefixes inside 574

We do not publish the NXX prefixes inside 574. The assignment of prefixes to rate centres comes from LERG routing data, which is proprietary, and we will not estimate it from postal data — ZIP codes and telephone prefixes do not map onto each other. Awaiting a clean-rights NPA-NXX source.