| ZIP Code | 46793 |
|---|---|
| City | Waterloo |
| State | Indiana (IN) |
| County | DeKalb County |
| Area Code | 260 |
| Elevation | 932 ft |
| Latitude | 41.452285 |
|---|---|
| Longitude | -85.01529 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18033 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.9 yrs ↑ 6% since 2019 |
|---|---|
| Avg Household Size | 2.49 |
| Below Poverty | 9.4% ≈ Avg |
| College Grads | 31.1% ▼ 20% below avg |
| Unemployment | 4.5% ▼ 8% below avg |
| No HS Diploma | 14 (0.6%) |
| HS Graduate | 937 (37.8%) |
| Some College | 454 (18.3%) |
| Associates | 305 (12.3%) |
| Bachelors | 347 (14%) |
| Graduate Degree | 425 (17.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $74,412 ≈ Avg ↑ 21% since 2019 |
|---|---|
| Median Home Value | $177,500 ▼ 36% below avg ↑ 39% since 2019 |
| Home/Income Ratio | 2.4x (nat avg ~3.5x) |
| Median Rent | $840/mo ↑ 23% since 2019 |
| Total Units | 1,782 |
| Vacant Units | 136 |
| Avg HH Size | 2.49 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 1,782 |
|---|---|
| Vacant | 136 |
| Owner Occupied | 84.5% |
| Renter Occupied | 15.5% |
| Avg HH Size | 2.49 |
ZIP code 46793 is located in Waterloo, Indiana, within DeKalb County. With a population of 4,122, this is a lightly populated ZIP code with a middle-aged community — the median age is 38.9 years. Economically, 46793 is a solidly middle-class ZIP code: the median household income of $74,412 is near the national average.
Real estate in ZIP code 46793 represents an affordable housing market. The median home value of $177,500 is below the national average. Renters can expect to pay around $840 per month in median rent. Homeownership is strong here — 84.5% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 39% since 2019.
The population of 46793 is primarily White (94.52%). Residents are moderately educated — 31.1% hold a bachelor's degree or higher, which is below the national average. Poverty affects a relatively small share of residents at 9.4%. Household income has grown by 21% since 2019.
The unemployment rate in 46793 stands at 4.5%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 88%.
Overall, ZIP code 46793 in Waterloo, IN is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 4,122 residents, a median household income of $74,412, and a median home value of $177,500, it offers a clear picture of life in this part of Indiana.