Area Code 574: Elkhart, Indiana

Area code 574 is located in northern Indiana, primarily serving South Bend, Elkhart, and Mishawaka. This comprehensive guide covers where the 574 area code is located, mandatory 10-digit dialing requirements, geographic coverage across 12 counties, and everything you need to know about calling 574 phone numbers.

History and Establishment

Area code 574 was officially assigned on June 20, 2001, and entered service on January 15, 2002, to address increasing demand for telephone numbers in northern Indiana. Before this date, the region shared area code 219 with northwestern Indiana. The implementation involved a three-way split of the original 219 territory: the eastern portion (Fort Wayne area) became area code 260, the middle portion (South Bend/Elkhart area) received area code 574, and northwestern Indiana retained 219.

Timeline of Implementation:

• June 20, 2001: Area code 574 officially assigned by NANPA
• July 11, 2001: Indiana Utility Regulatory Commission held a random drawing to determine which region would retain 219 and which would receive new codes
• January 15, 2002: Area code 574 entered service
• January 15 – June 14, 2002: Permissive dialing period allowed both old and new area codes to function
• June 14, 2002: Mandatory compliance date; 574 became the only valid area code for the region

Reason for Split: By the end of the 20th century, area code 219 was on the verge of exhaustion due to rapid growth in telecommunications demand driven by wireless phones, pagers, fax machines, and internet connections. The three-way geographic split provided sufficient numbering resources for the region's continued growth.

The 219 Area Code Split

The original 219 area code divided into three distinct regions in 2002:

Where is Area Code 574 Located?

The 574 area code is located in northern Indiana, covering a significant portion of the Michiana region – a blend of Indiana and Michigan cultures. Area code 574 serves the South Bend metropolitan area and surrounding communities known for manufacturing heritage, particularly in the recreational vehicle (RV) industry.

Coverage Statistics:

• Total Population: 893,902 (2020 U.S. Census)
• Counties Covered: 12 counties
• Cities Served: 62 cities
• Time Zones: Central (GMT -06:00) and Eastern (GMT -05:00)

Counties Covered by Area Code 574

The following 12 counties are served by area code 574, listed with their populations from the 2020 Census:

• St. Joseph County – 272,912 (Primary county, includes South Bend and Mishawaka)

• Elkhart County – 207,047 (Includes Elkhart and Goshen)

• Kosciusko County – 80,240 (Includes Warsaw)

• Marshall County – 46,095 (Includes Plymouth)

• Cass County – 37,870 (Includes Logansport)

• White County – 24,688

• Starke County – 23,371

• Fulton County – 20,480 (Includes Rochester)

• Carroll County – 20,306

• Pulaski County – 12,514

• La Porte County – 112,417 (partial coverage)

• Miami County – 35,962 (partial coverage)

• Primary City: Elkhart

• State: Indiana

• Country: United States

• Latitude/Longitude: 41.682° N, -85.977° W

Major Cities in Area Code 574

The 574 area code location includes several major cities throughout northern Indiana. The largest cities with 574 phone numbers and their 2020 Census population data include:

• South Bend – 103,453 (largest city in the area code)
• Elkhart – 53,923 (RV Capital of the World)
• Mishawaka – 51,063
• Goshen – 34,517
• Logansport – 18,366
• Warsaw – 15,804
• Plymouth – 10,214

These cities contribute to the rich tapestry of the Michiana region, each with its own unique character and economic contributions. Elkhart is known as the "RV Capital of the World," while South Bend is a major regional hub with a diverse economy and home to the University of Notre Dame.

How to Dial Phone Numbers in Area Code 574

CRITICAL UPDATE: As of October 24, 2021, 10-digit dialing is mandatory for all calls within area code 574. This change was implemented by FCC order to accommodate the 988 National Suicide Prevention Lifeline.

Area code 574 uses specific dialing patterns depending on the call type. These patterns ensure efficient call routing and seamless connections.

• All Local Calls (within 574): 10D (Dial 574 + 7-digit number) – MANDATORY since October 24, 2021
• Standard HNPA Toll: 1+10D (Dial 1 + 574 + 7-digit number)
• Standard Foreign Numbering Plan Area (FNPA) Local: 10D
• Standard FNPA Toll: 1+10D

Understanding HNPA and FNPA:

• HNPA (Home Numbering Plan Area): Calls within the North American Numbering Plan (NANP), which includes the United States, Canada, and several Caribbean nations. For HNPA calls, the "1" prefix indicates a toll (long-distance) call to another area code within North America.
• FNPA (Foreign Numbering Plan Area): Calls from outside the NANP, such as international calls originating from Europe, Asia, or other regions.

How to Dial Area Code 574

Follow these steps to dial a number within area code 574:

• All Local Calls (within 574): Dial 574 + the 7-digit number (10-digit dialing mandatory since October 24, 2021)
  • Example: To call 574-555-0123, dial all 10 digits
• Toll Calls (from another area code): Dial 1 + 574 + the 7-digit number
  • Example: From area code 317, dial 1-574-555-0123
• International Calls: Dial your country's exit code + 1 + 574 + the 7-digit number
  • Example from UK: 00-1-574-555-0123
  • Example from Germany: 011-1-574-555-0123

Important Note: 10-digit dialing is required for all calls, including local calls within the 574 area code. The previous 7-digit local dialing option was phased out in 2021.

What Happens If You Dial Incorrectly?

• During transition (before October 24, 2021): A recording reminded callers to use 10-digit dialing
• After October 24, 2021: Seven-digit calls will not go through; callers may reach a wrong number or hear an error message
• Solution: Always dial the full 10 digits (area code + 7-digit number) for all calls within and to area code 574

Mobile vs. Landline Dialing: Both mobile phones and landlines require 10-digit dialing for all local and toll calls within the 574 area code. Confirm the specific dialing instructions for your carrier or device, as variations might exist.

Who Regulates Area Code 574?

The North American Numbering Plan Administration (NANPA) regulates area code 574. NANPA manages and assigns numbering resources across the NANP, ensuring fair and efficient allocation. Learn more at https://www.nationalnanpa.com/. NANPA coordinates area code relief efforts and maintains the integrity of the numbering system.

As of December 2020, SomosGov, Inc. (a subsidiary of Somos, Inc.) administers NANPA under contract with the Federal Communications Commission (FCC), which provides regulatory oversight. The FCC's role includes:

• Regulatory Oversight: Establishing rules for area code implementation, including 10-digit dialing mandates and 988 transition requirements
• Consumer Protection: Ensuring fair access to numbering resources and protecting consumers from anti-competitive practices
• Number Conservation: Implementing policies like 1,000-block number pooling to extend the life of existing area codes

Number Assignment Process: Telecommunications carriers obtain blocks of phone numbers from NANPA. As of 2025, area code 574 has 388 assigned prefixes (48.5% utilization), with 412 prefixes (51.5%) remaining unassigned. Of the assigned prefixes, 261 (67.3%) are designated for landlines and 127 (32.7%) for wireless numbers.

Number Availability and Future Projections

NANPA continuously monitors demand for new numbers within area code 574. According to Indiana's Office of Utility Consumer Counselor, area code 574 is projected to have sufficient numbering resources until 2078, indicating excellent long-term availability.

Current Utilization (2025 data):

• Assigned Prefixes: 388 out of 800 possible (48.5%)
• Unassigned Prefixes: 412 (51.5%)
• Projected Exhaust Date: 2078
• Relief Status: No relief planning currently underway

NANPA employs forecasting models through semi-annual Numbering Resource Utilization/Forecast (NRUF) reports to anticipate future demand and proactively plan for potential area code splits or overlays if necessary. This proactive approach ensures the long-term viability of the numbering system.

Understanding Area Code Relief Options:

• Geographic Split: The existing area code zone divides into at least two parts, with one part keeping the original code and the other receiving a new code. This was the method used to create 574 from 219 in 2002.
• Overlay: A new area code is added to the same geographic region as the existing code, requiring 10-digit dialing for all calls. This method is now preferred in the U.S. to avoid the disruption of changing phone numbers.

Fun Facts About the 574 Area Code

Area code 574 is intertwined with the history and culture of northern Indiana:

• RV Capital of the World: Elkhart's prominence in RV manufacturing has earned it the title "RV Capital of the World." This industry has significantly shaped the region's economy and identity. Elkhart's manufacturing roots extend back to the early 20th century with automobile production by companies like Crow-Elkhart Motor Co. and Elcar.
• Cultural Diversity: The region hosts numerous festivals, including the renowned Elkhart Jazz Festival, attracting visitors from across the country. These cultural events contribute to the vibrancy of the communities within area code 574. The Michiana region's diverse cultural landscape is influenced by both Indiana and Michigan.
• Higher Education: The area is home to the University of Notre Dame in South Bend, one of the nation's most prestigious universities, contributing significantly to the region's educational and economic landscape.
• Number Conservation Success: Indiana implemented 1,000-block number pooling starting in 2001, which significantly extended the lifespan of area code 574 and delayed the need for additional area codes throughout the state.

Major Employers and Economic Impact

Area code 574 serves several major industries and employers:

Frequently Asked Questions About Area Code 574

When was area code 574 established?

Area code 574 was officially assigned on June 20, 2001, and entered service on January 15, 2002. It was created through a three-way split of the original area code 219 to accommodate growing demand for phone numbers in northern Indiana.

Where is the 574 area code located?

The 574 area code is located in northern Indiana, spanning 12 counties in the Michiana region. It covers approximately 893,902 residents across major cities including South Bend, Elkhart, Mishawaka, Goshen, and Warsaw.

Do I need to dial 10 digits for local calls in area code 574?

Yes. Since October 24, 2021, 10-digit dialing is mandatory for all calls within area code 574, including local calls. Dial 574 + the 7-digit number even when calling someone in the same area code. This change was required by the FCC to support the 988 National Suicide Prevention Lifeline.

What cities are included in area code 574?

Area code 574 serves several northern Indiana cities including Elkhart (the primary city), South Bend (the largest city with 103,453 residents), Mishawaka, Goshen, Warsaw, Logansport, and Plymouth. The area is part of the Michiana region, which straddles the Indiana-Michigan border.

What was the area code before 574?

Before 574 was introduced in 2002, the region used area code 219. The 219 area code split three ways: area code 260 was assigned to the Fort Wayne area, 574 to the South Bend/Elkhart area, and 219 remained with northwestern Indiana.

Who administers area code 574?

The North American Numbering Plan Administration (NANPA) administers area code 574. SomosGov, Inc. (a subsidiary of Somos, Inc.) operates NANPA under contract with the Federal Communications Commission (FCC). NANPA manages all numbering resources across the North American Numbering Plan.

Will area code 574 run out of numbers?

Current projections indicate area code 574 will not exhaust its numbering resources until 2078, providing over 50 years of availability. NANPA continuously monitors demand through semi-annual NRUF reports and uses forecasting models to plan for potential future area code splits or overlays if needed.

How do I dial internationally to area code 574?

To call area code 574 from outside the United States, dial your country's exit code (often 00 or 011), then 1 (the U.S. country code), then 574, then the 7-digit local number. For example, from the UK: 00-1-574-XXX-XXXX.

What is the Michiana region?

Michiana is the nickname for the region surrounding the Indiana-Michigan border, where area code 574 is located. The name blends "Michigan" and "Indiana" and reflects the area's unique cultural identity influenced by both states. South Bend and Elkhart are major cities in the Indiana portion of Michiana.

What happens if I accidentally dial only 7 digits?

After October 24, 2021, seven-digit dialing no longer works in area code 574. If you dial only 7 digits, your call will not go through, and you may reach a wrong number or hear an error message instructing you to redial using 10 digits.

How many people live in the 574 area code region?

According to the 2020 U.S. Census, the area code 574 region has a total population of 893,902 across 12 counties. The largest city is South Bend with 103,453 residents, followed by Elkhart with 53,923 residents.

Can I port my 574 number to a different area code?

Yes. Federal regulations allow you to port (transfer) your phone number to a different carrier or area code while keeping your existing 574 number. Contact your carrier to initiate a port request. Business and personal wireless numbers are typically portable, though some restrictions may apply for landlines.

How do I get a new 574 phone number?

Contact any telecommunications carrier serving the northern Indiana region to obtain a new 574 number. Carriers include major providers like AT&T, Verizon, T-Mobile, and local providers. The carrier will assign you an available number from their inventory of 574 prefixes allocated by NANPA.

Conclusion and Next Steps

Area code 574 is a vital component of northern Indiana's telecommunications infrastructure, connecting a diverse network of cities and communities and supporting their economic activities and cultural exchanges.

Key Takeaways:

• Always use 10-digit dialing (574 + 7-digit number) for all calls within area code 574
• Area code 574 serves 893,902 residents across 12 counties in northern Indiana
• The area code is projected to have sufficient numbers until 2078
• The region is part of the Michiana area, known for RV manufacturing and cultural diversity

Additional Resources:

• NANPA (North American Numbering Plan Administration): https://www.nationalnanpa.com/ – Official resource for area code information and forecasts
• FCC Consumer Information: https://www.fcc.gov/consumers/guides/ten-digit-dialing – Ten-digit dialing guide
• 988 Suicide & Crisis Lifeline: https://www.fcc.gov/988-suicide-and-crisis-lifeline – Information about the 988 service
• Indiana OUCC Area Code Information: https://www.in.gov/oucc/electric/key-cases-by-utility/indiana-area-codes – State-specific area code updates

Quick Reference: Dialing Checklist