| ZIP Code | 46960 |
|---|---|
| City | Monterey |
| State | Indiana (IN) |
| County | Pulaski County |
| Area Code | 574 |
| Elevation | 746 ft |
| Latitude | 41.161035 |
|---|---|
| Longitude | -86.516056 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18131 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 47.0 yrs ↓ 3% since 2019 |
|---|---|
| Avg Household Size | 2.55 |
| Below Poverty | 17.0% ▲ 70% above avg |
| College Grads | 27.7% ▼ 28% below avg |
| Unemployment | 1.5% ▼ 69% below avg |
| HS Graduate | 274 (36.3%) |
| Some College | 104 (13.8%) |
| Associates | 167 (22.1%) |
| Bachelors | 40 (5.3%) |
| Graduate Degree | 169 (22.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $44,012 ▼ 42% below avg ↓ 8% since 2019 |
|---|---|
| Median Home Value | $130,200 ▼ 53% below avg ↑ 23% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $579/mo ↓ 25% since 2019 |
| Total Units | 603 |
| Vacant Units | 162 |
| Avg HH Size | 2.55 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 603 |
|---|---|
| Vacant | 162 |
| Owner Occupied | 82.1% |
| Renter Occupied | 17.9% |
| Avg HH Size | 2.55 |
ZIP code 46960 is located in Monterey, Indiana, within Pulaski County. With a population of 1,123, this is a sparsely populated ZIP code with a mature community — the median age is 47 years. Economically, 46960 is a working-class ZIP code: the median household income of $44,012 is below the national average.
Real estate in ZIP code 46960 represents one of the more affordable housing markets in the country. The median home value of $130,200 is well below the national average. Renters can expect to pay around $579 per month in median rent. Homeownership is strong here — 82.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 23% since 2019.
The population of 46960 is primarily White (88.42%). Residents are moderately educated — 27.7% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 17.0%. Household income has declined by 8% since 2019.
The unemployment rate in 46960 stands at 1.5%, which is well below the national average. As in most parts of the country, driving alone is the dominant commute mode at 60%.
Overall, ZIP code 46960 in Monterey, IN is characterized as working-class, moderately educated, a mature community, and predominantly owner-occupied. With 1,123 residents, a median household income of $44,012, and a median home value of $130,200, it offers a clear picture of life in this part of Indiana.