Residential delivery area · Indiana
ZIP Code 46120: Cloverdale, IN
ZIP code 46120 uses the postal name Cloverdale, Indiana and lies mostly in Putnam County (81% of its land), reaching into Owen County and Morgan County (Census 2020 ZIP-county file). About 5,900 people live there (Census Bureau, ACS 2020-2024). Median household income is $59,970 (Census Bureau, ACS 2020-2024). By Census place, 4% of its land lies in Cloverdale; 96% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Cloverdale · its only residential ZIP
- County
- Putnam County (81%); Owen County (13%); Morgan County (6%)
- Census places
- Cloverdale
- Micro area
- Greencastle, IN
- House districts
- IN-4 (87%), IN-8 (13%) 119th Congress, by share of land
- State
- Indiana
- Time zone
- Eastern
- Land area
- 91.7 sq mi · 65 people per sq mi
Where is ZIP code 46120?
46120 centers on 39.511°, -86.789° and covers 91.7 square miles of land plus 0.9 of water. It borders 10 ZIP codes: 46170, 47456, 46171, 47868, 46180, 46135, 46166, 46121, 47460, 46151.
The map draws ZIP code areas only. For the streets inside 46120, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 46120 compare with the rest of Putnam County?
| Measure | 46120 | In Putnam County | In IN |
|---|---|---|---|
| People (ACS 2020-2024) | 5,947 | 2nd of 15 | 277th of 807 |
| Median household income | $60k | not ranked | not ranked |
| Median home value | $171k | 10th of 11 | 316th of 509 |
46120's median household income is not ranked: its 90% margin of error (±$16,735) is more than a quarter of the figure ($59,970). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 47% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 46120?
The 2020 Census counted 5,891 people in 46120; the ACS, which samples households over 2020-2024, estimates 5,947. Between the 2010 and 2020 censuses its population fell 1.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 5,947
- 2020 Census count
- 5,891−1.1% since 2010 (5,954)
- Households
- 2,797
- Median age
- 48.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 46120?
Of the 5,947 people the ACS estimates in 46120, 18.5% are under 18 and 20.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (95.3%).
- Under 1818.5%
- 18 to 6461.1%
- 65 and older20.4%
- White, not Hispanic95.3%
- Black, not Hispanic2.3%
- Other or two or more1.8%
- Asian, not Hispanic0.4%
- Hispanic or Latino0.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 46120 earn?
Median household income is $59,970 (ACS 2020-2024). It fell from $77,838 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $59,970±$16,735
- Income per person
- $35,106
- Below the poverty line
- 11.3%
- Unemployed (of the labor force)
- 2.7%
- Adults 25+ with a bachelor's degree
- 14.5%
- Adjusted gross income per tax return, 2022
- $67,6662,880 returns; wages 72% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 46120?
FHFA's house price index for 46120, built from repeat sales and appraisals of the same homes, rose 91% from 2015 to 2025 and rose 46% from 2020 to 2025, and moved +5.0% in 2025.
- Median home value (owners' estimate)
- $171,400
- Median gross rent
- $825
- Homes owned by their occupants
- 75.7%
- Housing units
- 2,956
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 46120?
119 business establishments had a location in this ZIP code in 2023, 5 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction21
- Retail trade20
- Accommodation and food services20
- Other services (except public administration)14
- Finance and insurance8
- Real estate and rental and leasing8
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 46120?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 46170 | Putnamville | 0 | – | 5.7 mi |
| 47456 | Quincy | 1,455 | $70k | 6.1 mi |
| 46171 | Reelsville | 2,018 | $84k | 9.2 mi |
| 47868 | Poland | 2,666 | $51k | 9.2 mi |
| 46180 | Stilesville | 1,085 | $90k | 10.7 mi |
| 46135 | Greencastle | 19,632 | $74k | 11.4 mi |
| 46166 | Paragon | 2,813 | $86k | 12.1 mi |
| 46121 | Coatesville | 5,271 | $89k | 13.0 mi |
| 47460 | Spencer | 11,006 | $68k | 16.5 mi |
| 46151 | Martinsville | 32,446 | $79k | 20.1 mi |
| 46125 | Eminence | 6 | – | 7.9 mi (near) |
| 46128 | Fillmore | 2,490 | $87k | 10.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.