| ZIP Code | 46950 |
|---|---|
| City | Lucerne |
| State | Indiana (IN) |
| County | Cass County |
| Area Code | 574 |
| Elevation | 782 ft |
| Latitude | 40.888204 |
|---|---|
| Longitude | -86.364948 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18017 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 61.2 yrs ↑ 29% since 2019 |
|---|---|
| Avg Household Size | 1.74 |
| Below Poverty | 8.3% ▼ 17% below avg |
| College Grads | 17.9% ▼ 54% below avg |
| Unemployment | 0.0% ▼ 100% below avg |
| HS Graduate | 137 (54.6%) |
| Some College | 33 (13.1%) |
| Associates | 36 (14.3%) |
| Bachelors | 20 (8%) |
| Graduate Degree | 25 (10%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $37,361 ▼ 51% below avg ↓ 27% since 2019 |
|---|---|
| Median Home Value | $115,300 ▼ 59% below avg ↑ 28% since 2019 |
| Home/Income Ratio | 3.1x (nat avg ~3.5x) |
| Total Units | 246 |
| Vacant Units | 25 |
| Avg HH Size | 1.74 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 246 |
|---|---|
| Vacant | 25 |
| Owner Occupied | 93.7% |
| Renter Occupied | 6.3% |
| Avg HH Size | 1.74 |
ZIP code 46950 is located in Lucerne, Indiana, within Cass County. With a population of 385, this is a sparsely populated ZIP code with an older community — the median age is 61.2 years. Economically, 46950 is a lower-income ZIP code: the median household income of $37,361 is well below the national average.
Real estate in ZIP code 46950 represents one of the more affordable housing markets in the country. The median home value of $115,300 is well below the national average. Homeownership is strong here — 93.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 28% since 2019.
The population of 46950 is primarily White (100.00%). Residents are less-educated — 17.9% hold a bachelor's degree or higher, which is well below the national average. Poverty affects a relatively small share of residents at 8.3%. Household income has declined by 27% since 2019.
About 13% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 83%.
Overall, ZIP code 46950 in Lucerne, IN is characterized as lower-income, less-educated, an older community, and predominantly owner-occupied. With 385 residents, a median household income of $37,361, and a median home value of $115,300, it offers a clear picture of life in this part of Indiana.