ZIP code 46974

ZIP 46974 is a small town in Wabash County, Indiana, with 1,565 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #508 of 807 ranked by population — larger than 37% of them. The median age here is 45.2 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 46974 earn a median of $57,857 a year, 26.3% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 12.5% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 46974 is valued at $182,900, 39.7% below the national figure, while median gross rent runs $821 a month, 41.6% below the national figure, or roughly $9,852 across a full year. A household on the local median income would put about 17% 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 3.2×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 75.1% 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.

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 46974 is tabulated inside Wabash County, Indiana, one of 10 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 46974 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46974 reports a median household income of $57,857, 14% below the $67,318 county median, and 16% below the $68,990 typical IN ZIP. Owner-occupied homes are valued at a median of $182,900, 24% above the county figure and 9% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $821 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 46974.

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 46974 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.