574 Area Code: Location, Cities & Guide

If you’ve received a call or text from a 574 area code number, you may be wondering where it is located. The 574 area code serves northern Indiana, including communities such as South Bend, Elkhart, Mishawaka, Goshen, Plymouth, Warsaw, and surrounding areas. Indiana currently has eight telephone area codes, including 574.

Whether you’re trying to identify an unfamiliar number or simply want to understand the 574 area code location, this guide covers its location, cities, time zone, history, dialing rules, and common questions.

What Is the 574 Area Code?

The 574 area code is a telephone area code serving northern Indiana in the United States. It is part of the North American Numbering Plan (NANP).

Some of the best-known communities within the 574 region include South Bend, Elkhart, Mishawaka, Goshen, and Warsaw. Indiana’s official utility regulator identifies 574 as one of the state’s eight active area codes.

Quick Facts

Detail	Information
Area Code	574
State	Indiana
Country	United States
Main Region	Northern Indiana
Major Cities	South Bend, Elkhart, Mishawaka, Goshen
Time Zones	Eastern and Central, depending on location
Dialing	10-digit local dialing
Created	2001
Current Status	Active

Where Is Area Code 574 Located?

The 574 area code location is in northern Indiana.

The area includes communities across a large portion of northern Indiana. South Bend and Elkhart are among the most recognizable cities associated with the area code.

The 574 region was created when northern Indiana’s previous 219 numbering area was divided in 2001. The Indiana Utility Regulatory Commission identifies South Bend, Elkhart, Winamac, Logansport, and Monticello among the communities associated with the 574 region.

574 Area Code Indiana: What Cities Use It?

The 574 area code Indiana region covers numerous cities, towns, and communities.

Some notable locations include:

South Bend
Elkhart
Mishawaka
Goshen
Warsaw
Plymouth
Nappanee
Goshen
LaGrange
Logansport
Winamac
Rochester
Monticello
Wabash-area communities

The exact telephone-number assignment depends on the exchange and rate center, so an area code should not be treated as a precise street-level location. Indiana’s numbering system assigns prefixes to specific geographic rate centers.

Major Cities in the 574 Area Code

South Bend

South Bend is one of the most prominent cities associated with the 574 area code. It is located in St. Joseph County and is a major population and economic center in northern Indiana.

Elkhart

Elkhart is another important city within the 574 region. It is known for its manufacturing and recreational-vehicle industries.

Mishawaka

Mishawaka is located near South Bend and is also served by the 574 area code.

Goshen

Goshen is the county seat of Elkhart County and is another community commonly associated with 574 numbers.

Warsaw

Warsaw is located in Kosciusko County and is part of the broader 574 numbering region.

What Time Zone Is Area Code 574 In?

The answer can depend on the specific location.

Indiana has both Eastern Time and Central Time zones. Most of Indiana uses Eastern Time, while 12 counties in the northwest and southwest portions of the state use Central Time.

Because the 574 area code covers a broad northern Indiana region, you should check the specific city rather than assuming every 574 number follows the same time zone.

For example, South Bend, Elkhart, Goshen, Mishawaka, Plymouth, and Warsaw are listed as Eastern Time locations by Indiana’s official tourism information.

When Was the 574 Area Code Created?

The 574 area code was established in 2001 when northern Indiana’s existing 219 area was divided.

The Indiana Utility Regulatory Commission explains that the 260 and 574 area codes were split from the 219 area in 2001.

The change allowed northern Indiana to receive additional numbering resources as demand for telephone numbers increased.

574 Area Code and 219 Area Code

The 574 and 219 area codes have a historical connection.

Before the 2001 split, a larger portion of northern Indiana was served by 219. The geographic split created separate numbering areas, including 574 for part of northern Indiana and 260 for another portion.

Today, 574 and 219 are separate area codes serving different parts of northern Indiana.

Is 10-Digit Dialing Required for 574?

Yes.

The 574 area code moved to mandatory 10-digit local dialing in 2021. The transition was required because the 988 National Suicide Prevention Lifeline needed to be available through the three-digit 988 dialing code, and 988 was already assigned as a working prefix in the 574 area.

For a local call, callers use the full area code plus the seven-digit telephone number:

574-XXX-XXXX

The change did not alter existing telephone numbers, rates, or coverage areas.

How to Call a 574 Area Code Number

A typical U.S. number using the 574 area code looks like:

(574) XXX-XXXX

When calling from outside the United States, the country code is generally included:

+1 574 XXX XXXX

For local calls within the 574 region, 10-digit dialing is required.

Is 574 a Mobile or Landline Area Code?

A 574 number can be associated with different types of telephone services.

The area code itself does not tell you whether a particular number belongs to:

A mobile phone
A landline
A VoIP service
A business phone system

The specific telephone number and carrier information are needed to determine the service type.

Is the 574 Area Code a Scam?

No. The 574 area code itself is not a scam.

It is a legitimate Indiana area code serving northern Indiana.

However, scammers can use phone numbers from legitimate area codes. Caller ID can also be manipulated through spoofing, so an Indiana-looking number does not automatically prove that a call is legitimate.

If you receive an unexpected call from a 574 number, be cautious if the caller:

Requests passwords or verification codes
Asks for banking information
Demands immediate payment
Requests gift cards or cryptocurrency
Sends suspicious links
Claims you must act immediately
Pretends to represent a government agency or company

If you’re unsure, contact the organization through a verified official phone number rather than using information supplied by the caller.

Does a 574 Number Mean the Caller Lives in Indiana?

Not necessarily.

The area code indicates the numbering region associated with the telephone number, but it does not guarantee the caller’s current physical location.

People can move and keep their phone numbers. Businesses can also maintain numbers associated with a particular geographic area while serving customers elsewhere.

Therefore, 574 area code is useful for identifying the general numbering region, but it cannot provide someone’s exact location.

574 Area Code vs. Other Indiana Area Codes

Indiana currently has eight telephone area codes:

The Indiana Utility Regulatory Commission confirms 574 as one of the state’s active area codes.

The 574 area code is primarily associated with northern Indiana, while the other codes serve different regions of the state.

What Is the Future of Area Code 574?

The 574 area code currently has substantial numbering capacity remaining.

Indiana’s Office of Utility Consumer Counselor reported a projected 2078 exhaust date for the 574 area code based on NANPA projections published in 2025.

This is a projection rather than a guaranteed date. Numbering demand and conservation measures can change future projections.

Conclusion

The 574 area code is a legitimate telephone area code serving northern Indiana. It includes major communities such as South Bend, Elkhart, Mishawaka, Goshen, and Warsaw and has been in use since the 2001 split of the former 219 region.

If you’ve received a call from a 574 area code number, the number is associated with northern Indiana, but the area code alone cannot confirm the caller’s current location or identity.

For unfamiliar calls or texts, avoid sharing sensitive information until you’ve verified who is contacting you.

Frequently Asked Questions

What area code is 574?

574 is an Indiana area code serving northern Indiana, including South Bend, Elkhart, Mishawaka, Goshen, and other communities.

Where is area code 574 located?

The 574 area code location is primarily northern Indiana. South Bend, Elkhart, Mishawaka, Goshen, and Warsaw are among the major communities associated with it.

Is 574 an Indiana area code?

Yes. 574 is an Indiana area code serving northern parts of the state.

What cities use area code 574?

Cities and communities associated with 574 include South Bend, Elkhart, Mishawaka, Goshen, Warsaw, Plymouth, Nappanee, Winamac, Logansport, Rochester, and Monticello.

What time zone is 574 area code?

Much of the 574 region, including South Bend, Elkhart, Goshen, Mishawaka, Plymouth, and Warsaw, uses Eastern Time. Indiana also has Central Time counties, so the specific location should be checked.

When was the 574 area code created?

The 574 area code was created in 2001 when northern Indiana’s 219 area was split into new numbering regions.

Do I need to dial 10 digits for a 574 number?

Yes. Mandatory 10-digit local dialing was implemented for the 574 area code in 2021.

Is 574 a scam area code?

No. 574 is a legitimate Indiana area code. However, scammers can spoof or use numbers from legitimate area codes, so always verify unexpected callers.