| ZIP Code | 46785 |
|---|---|
| City | Saint Joe |
| State | Indiana (IN) |
| County | DeKalb County |
| Area Code | 260 |
| Elevation | 807 ft |
| Latitude | 41.323197 |
|---|---|
| Longitude | -84.877756 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18033 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 36.5 yrs ↑ 11% since 2019 |
|---|---|
| Avg Household Size | 3.34 |
| Below Poverty | 5.2% ▼ 48% below avg |
| College Grads | 11.7% ▼ 70% below avg |
| Unemployment | 11.5% ▲ 134% above avg |
| No HS Diploma | 46 (4.8%) |
| HS Graduate | 478 (49.4%) |
| Some College | 201 (20.8%) |
| Associates | 129 (13.3%) |
| Bachelors | 38 (3.9%) |
| Graduate Degree | 75 (7.8%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $68,958 ▼ 10% below avg ↑ 8% since 2019 |
|---|---|
| Median Home Value | $182,100 ▼ 35% below avg ↑ 22% since 2019 |
| Home/Income Ratio | 2.6x (nat avg ~3.5x) |
| Median Rent | $788/mo ↓ 5% since 2019 |
| Total Units | 547 |
| Vacant Units | 59 |
| Avg HH Size | 3.34 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 547 |
|---|---|
| Vacant | 59 |
| Owner Occupied | 86.5% |
| Renter Occupied | 13.5% |
| Avg HH Size | 3.34 |
ZIP code 46785 is located in Saint Joe, Indiana, within DeKalb County. With a population of 1,630, this is a sparsely populated ZIP code with a relatively young community — the median age is 36.5 years. Economically, 46785 is a solidly middle-class ZIP code: the median household income of $68,958 is near the national average.
Real estate in ZIP code 46785 represents an affordable housing market. The median home value of $182,100 is below the national average. Renters can expect to pay around $788 per month in median rent. Homeownership is strong here — 86.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 22% since 2019.
The population of 46785 is primarily White (93.19%). Residents are less-educated — 11.7% hold a bachelor's degree or higher, which is well below the national average. Poverty affects a relatively small share of residents at 5.2%. Household income has grown by 8% since 2019.
The unemployment rate in 46785 stands at 11.5%, which is more than double the national average. As in most parts of the country, driving alone is the dominant commute mode at 73%.
Overall, ZIP code 46785 in Saint Joe, IN is characterized as solidly middle-class, less-educated, a relatively young community, and predominantly owner-occupied. With 1,630 residents, a median household income of $68,958, and a median home value of $182,100, it offers a clear picture of life in this part of Indiana.