PlainZIP

Cloverdale, IN · standard

ZIP Code 46120

Putnam County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

5,954
25/sq mi
$59,970
Median income
$171,400
Median home value
14.5%
Bachelor's or higher

The verdict

Cloverdale pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

29th pct
household income, US ZIPs
35th pct
home value, US ZIPs
25
people per sq mi
76%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46120 against every reporting US ZIP.

ZIP code 46120 is a mid-sized community (a standard USPS delivery area) in Cloverdale, Putnam County, Indiana, home to 5,954 residents across 238.2 square miles, a density of 25 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46120 reports a modest median household income of $59,970 (19% below the Indiana average), while per-capita income is $35,106. Poverty here runs at 11.3%, with unemployment measured at 2.7%. Median home value sits at $171,400 (11% below the state average), median rent at $825 a month, and owner-occupancy at 75.7%.

Formal educational attainment runs low here: just 14.5% of adults hold a bachelor's degree or higher, the median age is 48.7, and the average commute is 30 minutes. To put 46120 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Putnam County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 46120

Top 5 sectors by establishment count in Cloverdale, IN

Which industries have the most business establishments in ZIP 46120.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 46120, Cloverdale, IN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

5,954

Population

238.2

Area (sq mi)

25

People / sq mi

Indiana/Indianapolis

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 46120?

48.7

Median Age

47.0%

Male

53.0%

Female

1.1%

Foreign-Born

White 95.3%
African American 2.3%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.4%
Hispanic or Latino 0.1%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$59,970

Median Household Income

-19% vs state

$35,106

Per Capita Income

11.3%

Poverty Rate

2.7%

Unemployment Rate

29.5 min

Mean Commute Time

How ZIP 46120 ranks nationally

Cloverdale, IN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$59,970 29th percentile higher than 29% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 64.0%
Bachelor's Degree or Higher 14.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,956

Total Housing Units

2,797

Occupied Units

159

Vacant Units

2.11

Avg Household Size

Occupancy Type

Owner 75.7%
Renter 24.3%

$171,400

Median Home Value

-11% vs state

$825

Median Rent

1984

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+2.6%

YoY Change (2024)

209

HPI Index (2000 = 100)

+109%

Total Change Since 2000

Home values in ZIP 46120 have increased 2.6% over the past year (2024). Since 2000, this ZIP has seen +109% cumulative appreciation.

Year Annual Change HPI Index
2020 +11.1% 154
2021 +7.6% 166
2022 +11.4% 185
2023 +10.6% 204
2024 +2.6% 209

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 119 business establishments in ZIP 46120, employing approximately 975 people with a combined annual payroll of $39,704,000.

119

Businesses

975

Employees

$39.7M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 21 17.6%
Retail trade 20 16.8%
Accommodation and food services 20 16.8%
Other services (except public administration) 14 11.8%
Finance and insurance 8 6.7%
Real estate and rental and leasing 8 6.7%
Professional, scientific, and technical services 6 5.0%
Transportation and warehousing 4 3.4%
Mining, quarrying, and oil and gas extraction 3 2.5%
Manufacturing 3 2.5%
Wholesale trade 3 2.5%
Administrative and support and waste management and remediation services 3 2.5%
Health care and social assistance 3 2.5%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 46120 vs 47456 →

ZIP 46120 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 46120 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 46120 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 46120 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
47456 Quincy, IN 1,200 5.7 mi
46125 Eminence, IN 51 7.8 mi
46128 Fillmore, IN 1,949 10.1 mi
47868 Poland, IN 2,937 9.3 mi
46135 Greencastle, IN 20,992 11.5 mi

More ZIP Codes in Putnam County

46135 standard
Greencastle, IN
Pop: 20,992
46121 standard
Coatesville, IN
Pop: 5,276
46172 standard
Roachdale, IN
Pop: 2,427
46128 standard
Fillmore, IN
Pop: 1,949
46105 standard
Bainbridge, IN
Pop: 1,928
46171 standard
Reelsville, IN
Pop: 1,695

Related Areas

Putnam County Cloverdale, IN Indiana

Frequently Asked Questions

What county is ZIP code 46120 in? ▼
ZIP code 46120 (Cloverdale) is located in Putnam County, Indiana. Putnam County contains multiple ZIP codes, see the full list at /counties/putnam-in.
What is the population of ZIP code 46120? ▼
ZIP code 46120 in Cloverdale, IN has a population of 5,954 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46120? ▼
The median household income in ZIP 46120 is $59,970, which is 21% below the national average of $76,288.
What is the average home value in ZIP 46120? ▼
The median home value in ZIP 46120 is $171,400, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 46120? ▼
The largest racial group in ZIP 46120 is White at 95.3%. Hispanic or Latino residents make up 0.1% of the population.
How many businesses are in ZIP code 46120? ▼
ZIP code 46120 has 119 business establishments employing approximately 975 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46120? ▼
The top industries by establishment count in ZIP 46120 are: Construction (21), Retail trade (20), Accommodation and food services (20). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 46120? ▼
According to the FHFA House Price Index, home values in ZIP 46120 increased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 109%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 46120? ▼
In ZIP code 46120, 64.0% of residents aged 25+ have a high school diploma or higher, and 14.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 46120? ▼
The mean commute time for workers in ZIP code 46120 is 29.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46120? ▼
In ZIP code 46120, approximately 75.7% of occupied housing units are owner-occupied and 24.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46120? ▼
The poverty rate in ZIP code 46120 is 11.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.