| ZIP Code | 46120 |
|---|---|
| City | Cloverdale |
| State | Indiana (IN) |
| County | Putnam County |
| Area Code | 765 |
| Elevation | 833 ft |
| Latitude | 39.511408 |
|---|---|
| Longitude | -86.789098 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18133 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 52.1 yrs ↑ 10% since 2019 |
|---|---|
| Avg Household Size | 2.15 |
| Below Poverty | 8.5% ▼ 15% below avg |
| College Grads | 26.4% ▼ 32% below avg |
| Unemployment | 3.4% ▼ 30% below avg |
| No HS Diploma | 71 (1.6%) |
| HS Graduate | 1,864 (42.3%) |
| Some College | 624 (14.2%) |
| Associates | 686 (15.6%) |
| Bachelors | 471 (10.7%) |
| Graduate Degree | 692 (15.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $55,192 ▼ 28% below avg ↓ 13% since 2019 |
|---|---|
| Median Home Value | $166,900 ▼ 40% below avg ↑ 19% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $841/mo ↑ 17% since 2019 |
| Total Units | 3,045 |
| Vacant Units | 209 |
| Avg HH Size | 2.15 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,045 |
|---|---|
| Vacant | 209 |
| Owner Occupied | 74.3% |
| Renter Occupied | 25.7% |
| Avg HH Size | 2.15 |
ZIP code 46120 is located in Cloverdale, Indiana, within Putnam County. With a population of 6,138, this is a lightly populated ZIP code with a mature community — the median age is 52.1 years. Economically, 46120 is a solidly middle-class ZIP code: the median household income of $55,192 is below the national average.
Real estate in ZIP code 46120 represents an affordable housing market. The median home value of $166,900 is below the national average. Renters can expect to pay around $841 per month in median rent. Homeownership is strong here — 74.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 19% since 2019.
The population of 46120 is primarily White (96.92%). Residents are moderately educated — 26.4% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 8.5%. Household income has declined by 13% since 2019.
The unemployment rate in 46120 stands at 3.4%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 78%.
Overall, ZIP code 46120 in Cloverdale, IN is characterized as solidly middle-class, moderately educated, a mature community, and predominantly owner-occupied. With 6,138 residents, a median household income of $55,192, and a median home value of $166,900, it offers a clear picture of life in this part of Indiana.