ZIP code 46182

ZIP 46182 is a small town in Shelby County, Indiana, with 1,670 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #494 of 807 ranked by population — larger than 38% of them. The median age here is 50.2 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 46182 earn a median of $88,462 a year, 12.6% above 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 10.9% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 46182 is valued at $196,800, 35.1% below the national figure, while median gross rent runs $1,348 a month, 4.1% below the national figure, or roughly $16,176 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 2.2×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 94.4% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 50.2 puts ZIP 46182 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.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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 46182 is tabulated inside Shelby County, Indiana, one of 9 ZIP areas the Census publishes for that county and 807 across Indiana. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 46182 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46182 reports a median household income of $88,462, 20% above the $73,730 county median, and 28% above the $68,990 typical IN ZIP. Owner-occupied homes are valued at a median of $196,800, close to the county figure and 17% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,348 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 46182.

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 46182 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.