ZIP code 46994

ZIP 46994 is a small town in Cass County, Indiana, with 2,180 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #447 of 807 ranked by population — larger than 44% of them. The median age here is 51.1 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 46994 earn a median of $60,732 a year, 22.7% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 9.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 46994 is valued at $146,100, 51.8% below the national figure, while median gross rent runs $627 a month, 55.4% below the national figure, or roughly $7,524 across a full year. A household on the local median income would put about 12.4% 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 2.4×, 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. 82.3% 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 51.1 puts ZIP 46994 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 46994 is tabulated inside Cass 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 46994 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46994 reports a median household income of $60,732, 3% above the $58,929 county median, and 12% below the $68,990 typical IN ZIP. Owner-occupied homes are valued at a median of $146,100, 9% above the county figure and 13% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $627 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 46994.

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 46994 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.