| ZIP Code | 46738 |
|---|---|
| City | Garrett |
| State | Indiana (IN) |
| County | DeKalb County |
| Area Code | 260 |
| Elevation | 866 ft |
| Latitude | 41.318908 |
|---|---|
| Longitude | -85.148865 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18033 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.1 yrs ↑ 10% since 2019 |
|---|---|
| Avg Household Size | 2.42 |
| Below Poverty | 12.0% ▲ 20% above avg |
| College Grads | 27.9% ▼ 28% below avg |
| Unemployment | 4.0% ▼ 18% below avg |
| No HS Diploma | 45 (0.8%) |
| HS Graduate | 2,059 (38.4%) |
| Some College | 926 (17.3%) |
| Associates | 836 (15.6%) |
| Bachelors | 517 (9.6%) |
| Graduate Degree | 978 (18.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $62,212 ▼ 18% below avg ↑ 33% since 2019 |
|---|---|
| Median Home Value | $156,300 ▼ 44% below avg ↑ 51% since 2019 |
| Home/Income Ratio | 2.5x (nat avg ~3.5x) |
| Median Rent | $855/mo ↑ 24% since 2019 |
| Total Units | 3,756 |
| Vacant Units | 290 |
| Avg HH Size | 2.42 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,756 |
|---|---|
| Vacant | 290 |
| Owner Occupied | 84.0% |
| Renter Occupied | 16.0% |
| Avg HH Size | 2.42 |
ZIP code 46738 is located in Garrett, Indiana, within DeKalb County. With a population of 8,462, this is a lightly populated ZIP code with a middle-aged community — the median age is 40.1 years. Economically, 46738 is a solidly middle-class ZIP code: the median household income of $62,212 is below the national average.
Real estate in ZIP code 46738 represents an affordable housing market. The median home value of $156,300 is below the national average. Renters can expect to pay around $855 per month in median rent. Homeownership is strong here — 84.0% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 51% since 2019.
The population of 46738 is primarily White (90.65%). Residents are moderately educated — 27.9% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 12.0%. Household income has grown by 33% since 2019.
The unemployment rate in 46738 stands at 4.0%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 84%.
Overall, ZIP code 46738 in Garrett, IN is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 8,462 residents, a median household income of $62,212, and a median home value of $156,300, it offers a clear picture of life in this part of Indiana.