| ZIP Code | 46970 |
|---|---|
| City | Peru |
| State | Indiana (IN) |
| County | Miami County |
| Area Code | 765 |
| Elevation | 648 ft |
| Latitude | 40.757804 |
|---|---|
| Longitude | -86.061165 |
| Timezone | Indiana/Indianapolis (DST) |
| FIPS | 18103 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.8 yrs ↑ 5% since 2019 |
|---|---|
| Avg Household Size | 2.48 |
| Below Poverty | 16.9% ▲ 69% above avg |
| College Grads | 29.5% ▼ 24% below avg |
| Unemployment | 6.9% ▲ 41% above avg |
| No HS Diploma | 284 (1.9%) |
| HS Graduate | 5,709 (39.1%) |
| Some College | 2,164 (14.8%) |
| Associates | 2,142 (14.7%) |
| Bachelors | 1,794 (12.3%) |
| Graduate Degree | 2,520 (17.2%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $56,722 ▼ 26% below avg ↑ 21% since 2019 |
|---|---|
| Median Home Value | $111,200 ▼ 60% below avg ↑ 39% since 2019 |
| Home/Income Ratio | 2.0x (nat avg ~3.5x) |
| Median Rent | $822/mo ↑ 14% since 2019 |
| Total Units | 10,177 |
| Vacant Units | 1,284 |
| Avg HH Size | 2.48 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 10,177 |
|---|---|
| Vacant | 1,284 |
| Owner Occupied | 71.0% |
| Renter Occupied | 29.0% |
| Avg HH Size | 2.48 |
ZIP code 46970 is located in Peru, Indiana, within Miami County. With a population of 23,129, this is a moderately populated ZIP code with a middle-aged community — the median age is 40.8 years. Economically, 46970 is a solidly middle-class ZIP code: the median household income of $56,722 is below the national average.
Real estate in ZIP code 46970 represents one of the more affordable housing markets in the country. The median home value of $111,200 is well below the national average. Renters can expect to pay around $822 per month in median rent. Homeownership is strong here — 71.0% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 39% since 2019.
The population of 46970 is primarily White (86.60%). Residents are moderately educated — 29.5% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 16.9%. Household income has grown by 21% since 2019.
The unemployment rate in 46970 stands at 6.9%, which is above the national average. As in most parts of the country, driving alone is the dominant commute mode at 83%.
Overall, ZIP code 46970 in Peru, IN is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 23,129 residents, a median household income of $56,722, and a median home value of $111,200, it offers a clear picture of life in this part of Indiana.