| ZIP Code | 46788 |
|---|---|
| City | Spencerville |
| State | Indiana (IN) |
| County | DeKalb County |
| Area Code | 260 |
| Elevation | 814 ft |
| Latitude | 41.272928 |
|---|---|
| Longitude | -84.908026 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18003 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 25.9 yrs ↓ 19% since 2019 |
|---|---|
| Avg Household Size | 3.66 |
| Below Poverty | 1.9% ▼ 81% below avg |
| College Grads | 49.2% ▲ 27% above avg |
| Unemployment | 5.3% ▲ 9% above avg |
| HS Graduate | 459 (26%) |
| Some College | 196 (11.1%) |
| Associates | 242 (13.7%) |
| Bachelors | 283 (16%) |
| Graduate Degree | 586 (33.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $97,250 ▲ 27% above avg ↑ 31% since 2019 |
|---|---|
| Median Home Value | $233,600 ▼ 16% below avg ↑ 25% since 2019 |
| Home/Income Ratio | 2.4x (nat avg ~3.5x) |
| Median Rent | $2,111/mo ↑ 254% since 2019 |
| Total Units | 1,215 |
| Vacant Units | 21 |
| Avg HH Size | 3.66 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,215 |
|---|---|
| Vacant | 21 |
| Owner Occupied | 94.6% |
| Renter Occupied | 5.4% |
| Avg HH Size | 3.66 |
ZIP code 46788 is located in Spencerville, Indiana, within DeKalb County. With a population of 4,372, this is a lightly populated ZIP code with a young community — the median age is 25.9 years. Economically, 46788 is a middle-income ZIP code: the median household income of $97,250 is above the national average.
Real estate in ZIP code 46788 represents an affordable housing market. The median home value of $233,600 is below the national average. Renters can expect to pay around $2,111 per month in median rent. Homeownership is strong here — 94.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 25% since 2019.
The population of 46788 is primarily White (93.80%). Residents are well-educated — 49.2% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 1.9%. Household income has grown by 31% since 2019.
The unemployment rate in 46788 stands at 5.3%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 72%.
Overall, ZIP code 46788 in Spencerville, IN is characterized as middle-income, well-educated, a young community, and predominantly owner-occupied. With 4,372 residents, a median household income of $97,250, and a median home value of $233,600, it offers a clear picture of life in this part of Indiana.