PlainZIP

Shelbyville, IN · standard

ZIP Code 46176

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

27,816
62/sq mi
$65,182
Median income
$194,400
Median home value
21.3%
Bachelor's or higher

The verdict

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

39th pct
household income, US ZIPs
42th pct
home value, US ZIPs
62
people per sq mi
64%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46176 against every reporting US ZIP.

ZIP code 46176 is a densely settled ZIP (a standard USPS delivery area) in Shelbyville, Shelby County, Indiana, with 27,816 residents across 445.8 square miles, a density of 62 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46176 reports a modest median household income of $65,182 (11% below the Indiana average), while per-capita income is $34,908. Local economic indicators show a 16.6% poverty rate alongside 2.6% unemployment. On housing, the median home value is $194,400 (0% above the state average) with median rent at $985 per month, and 64.4% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 21.3% of adults hold a bachelor's degree or higher, the median age is 39.8, and the average commute is 22 minutes. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 46176, plus 6 more within Shelby County, give a clearer read than the national average alone.

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 46176

Top 5 sectors by establishment count in Shelbyville, IN

Which industries have the most business establishments in ZIP 46176.

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 46176, Shelbyville, 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

27,816

Population

445.8

Area (sq mi)

62

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 46176?

39.8

Median Age

48.7%

Male

51.3%

Female

4.6%

Foreign-Born

White 89.0%
African American 1.8%
Asian 1.3%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.9%
Hispanic or Latino 7.6%

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?

$65,182

Median Household Income

-11% vs state

$34,908

Per Capita Income

16.6%

Poverty Rate

2.6%

Unemployment Rate

21.9 min

Mean Commute Time

How ZIP 46176 ranks nationally

Shelbyville, IN household income vs. every US ZIP code

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

$65,182 39th percentile higher than 39% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 62.2%
Bachelor's Degree or Higher 21.3%

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

What does housing look like?

13,032

Total Housing Units

12,053

Occupied Units

979

Vacant Units

2.34

Avg Household Size

Occupancy Type

Owner 64.4%
Renter 35.6%

$194,400

Median Home Value

+0% vs state

$985

Median Rent

1971

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

+4.1%

YoY Change (2024)

203

HPI Index (2000 = 100)

+103%

Total Change Since 2000

Home values in ZIP 46176 have increased 4.1% over the past year (2024). Since 2000, this ZIP has seen +103% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.0% 139
2021 +12.1% 156
2022 +12.9% 176
2023 +10.8% 195
2024 +4.1% 203

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 678 business establishments in ZIP 46176, employing approximately 12,975 people with a combined annual payroll of $694,711,000.

678

Businesses

12,975

Employees

$694.7M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 101 14.9%
Health care and social assistance 89 13.1%
Other services (except public administration) 77 11.4%
Accommodation and food services 74 10.9%
Construction 53 7.8%
Manufacturing 47 6.9%
Finance and insurance 44 6.5%
Professional, scientific, and technical services 43 6.3%
Administrative and support and waste management and remediation services 36 5.3%
Real estate and rental and leasing 35 5.2%
Wholesale trade 23 3.4%
Transportation and warehousing 23 3.4%
Information 11 1.6%
Arts, entertainment, and recreation 9 1.3%
Utilities 4 0.6%
Management of companies and enterprises 4 0.6%

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 46176 vs 46182 →

ZIP 46176 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 46176 ranks the most populous - useful context the national average alone can't give.

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

ZIP 46176 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 46176 ranks #7 of 7 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
46182 Waldron, IN 1,927 7.2 mi
46110 Boggstown, IN 500 8.0 mi
46126 Fairland, IN 4,668 8.9 mi
46130 Fountaintown, IN 2,508 10.7 mi
46161 Morristown, IN 2,655 10.7 mi
46144 Gwynneville, IN 211 11.1 mi

More ZIP Codes in Shelby County

46126 standard
Fairland, IN
Pop: 4,668
46161 standard
Morristown, IN
Pop: 2,655
46130 standard
Fountaintown, IN
Pop: 2,508
46182 standard
Waldron, IN
Pop: 1,927
47234 standard
Flat Rock, IN
Pop: 1,379
46110 standard
Boggstown, IN
Pop: 500

Related Areas

Shelby County Shelbyville, IN Indiana

Frequently Asked Questions

What county is ZIP code 46176 in? ▼
ZIP code 46176 (Shelbyville) is located in Shelby County, Indiana. Shelby County contains multiple ZIP codes, see the full list at /counties/shelby-in.
What is the population of ZIP code 46176? ▼
ZIP code 46176 in Shelbyville, IN has a population of 27,816 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46176? ▼
The median household income in ZIP 46176 is $65,182, which is 15% below the national average of $76,288.
What is the average home value in ZIP 46176? ▼
The median home value in ZIP 46176 is $194,400, which is 30% below the national average of $278,155.
What is the demographic makeup of ZIP 46176? ▼
The largest racial group in ZIP 46176 is White at 89.0%. Hispanic or Latino residents make up 7.6% of the population.
How many businesses are in ZIP code 46176? ▼
ZIP code 46176 has 678 business establishments employing approximately 12,975 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46176? ▼
The top industries by establishment count in ZIP 46176 are: Retail trade (101), Health care and social assistance (89), Other services (except public administration) (77). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46176? ▼
According to the FHFA House Price Index, home values in ZIP 46176 increased by 4.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 103%. 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 46176? ▼
In ZIP code 46176, 62.2% of residents aged 25+ have a high school diploma or higher, and 21.3% 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 46176? ▼
The mean commute time for workers in ZIP code 46176 is 21.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46176? ▼
In ZIP code 46176, approximately 64.4% of occupied housing units are owner-occupied and 35.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46176? ▼
The poverty rate in ZIP code 46176 is 16.6% 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.