ZIP code 46120

ZIP 46120 is a mid-size town in Putnam County, Indiana, with 6,138 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #275 of 807 ranked by population — larger than 66% of them. The median age here is 52.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 46120 earn a median of $55,192 a year, 29.7% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 8.5% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 46120 is valued at $166,900, 45% below the national figure, while median gross rent runs $841 a month, 40.2% below the national figure, or roughly $10,092 across a full year. A household on the local median income would put about 18.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 74.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 52.1 puts ZIP 46120 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 46120 is tabulated inside Putnam County, Indiana, one of 8 ZIP areas the Census publishes for that county and 807 across Indiana. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 46120 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46120 reports a median household income of $55,192, 33% below the $82,656 county median, and 20% below the $68,990 typical IN ZIP. Owner-occupied homes are valued at a median of $166,900, 17% below the county figure and close to the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $841 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Indiana charges 7% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 46120.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 46120 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.