PlainZIP

Culver, IN · standard

ZIP Code 46511

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

4,435
26/sq mi
$58,293
Median income
$233,700
Median home value
30.4%
Bachelor's or higher

The verdict

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

26th pct
household income, US ZIPs
Top 47%
home value, US ZIPs
26
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46511 against every reporting US ZIP.

ZIP code 46511 covers 173.2 square miles in Culver, Fulton County, Indiana (a standard USPS delivery area), with a modest 4,435 residents on file, a density of 26 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46511 reports a modest median household income of $58,293 (21% below the Indiana average), while per-capita income is $37,259. 26.0% of residents live below the poverty line, and the unemployment rate reads 7.0%. The typical home here is valued at $233,700 (21% above the state average); renters pay a median of $665 monthly, and 77.1% of units are owner-occupied.

A solid share of residents have a four-year degree: 30.4% of adults hold a bachelor's degree or higher, the median age is 45.2, and the average commute is 24 minutes. To put 46511 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 5 additional ZIPs in Fulton 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 46511

Top 5 sectors by establishment count in Culver, IN

Which industries have the most business establishments in ZIP 46511.

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 46511, Culver, 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

4,435

Population

173.2

Area (sq mi)

26

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 46511?

45.2

Median Age

53.0%

Male

47.0%

Female

1.2%

Foreign-Born

White 87.6%
African American 2.9%
Asian 0.3%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.2%
Hispanic or Latino 2.0%

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?

$58,293

Median Household Income

-21% vs state

$37,259

Per Capita Income

26.0%

Poverty Rate

7.0%

Unemployment Rate

24.0 min

Mean Commute Time

How ZIP 46511 ranks nationally

Culver, IN household income vs. every US ZIP code

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

$58,293 26th percentile higher than 26% 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 67.1%
Bachelor's Degree or Higher 30.4%

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

What does housing look like?

2,362

Total Housing Units

1,586

Occupied Units

776

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 77.1%
Renter 22.9%

$233,700

Median Home Value

+21% vs state

$665

Median Rent

1974

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

+10.2%

YoY Change (2024)

284

HPI Index (2000 = 100)

+184%

Total Change Since 2000

Home values in ZIP 46511 have increased 10.2% over the past year (2024). Since 2000, this ZIP has seen +184% cumulative appreciation.

Year Annual Change HPI Index
2020 -1.2% 186
2021 +21.8% 226
2022 +10.7% 251
2023 +2.9% 258
2024 +10.2% 284

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 92 business establishments in ZIP 46511, employing approximately 1,047 people with a combined annual payroll of $49,979,000.

92

Businesses

1,047

Employees

$50.0M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Retail trade 17 18.5%
Accommodation and food services 12 13.0%
Health care and social assistance 11 12.0%
Other services (except public administration) 10 10.9%
Construction 8 8.7%
Administrative and support and waste management and remediation services 7 7.6%
Professional, scientific, and technical services 6 6.5%
Real estate and rental and leasing 5 5.4%
Manufacturing 3 3.3%
Wholesale trade 3 3.3%
Finance and insurance 3 3.3%
Educational services 3 3.3%
Arts, entertainment, and recreation 3 3.3%

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 46511 vs 46922 →

ZIP 46511 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 46511 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 46511 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 46511 ranks #2 of 4 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
46922 Delong, IN 61 5.7 mi
46968 Ora, IN 73 6.9 mi
46960 Monterey, IN 1,218 6.9 mi
46531 Grovertown, IN 1,458 10.5 mi
46563 Plymouth, IN 23,599 10.8 mi

More ZIP Codes in Fulton County

46975 standard
Rochester, IN
Pop: 14,691
46910 standard
Akron, IN
Pop: 3,360
46939 standard
Kewanna, IN
Pop: 2,101
46931 standard
Fulton, IN
Pop: 188
46922 standard
Delong, IN
Pop: 61

Related Areas

Fulton County Culver, IN Indiana

Frequently Asked Questions

What county is ZIP code 46511 in? ▼
ZIP code 46511 (Culver) is located in Fulton County, Indiana. Fulton County contains multiple ZIP codes, see the full list at /counties/fulton-in.
What is the population of ZIP code 46511? ▼
ZIP code 46511 in Culver, IN has a population of 4,435 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46511? ▼
The median household income in ZIP 46511 is $58,293, which is 24% below the national average of $76,288.
What is the average home value in ZIP 46511? ▼
The median home value in ZIP 46511 is $233,700, which is 16% below the national average of $278,155.
What is the demographic makeup of ZIP 46511? ▼
The largest racial group in ZIP 46511 is White at 87.6%. Hispanic or Latino residents make up 2.0% of the population.
How many businesses are in ZIP code 46511? ▼
ZIP code 46511 has 92 business establishments employing approximately 1,047 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46511? ▼
The top industries by establishment count in ZIP 46511 are: Retail trade (17), Accommodation and food services (12), Health care and social assistance (11). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 46511? ▼
According to the FHFA House Price Index, home values in ZIP 46511 increased by 10.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 184%. 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 46511? ▼
In ZIP code 46511, 67.1% of residents aged 25+ have a high school diploma or higher, and 30.4% 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 46511? ▼
The mean commute time for workers in ZIP code 46511 is 24.0 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 46511? ▼
In ZIP code 46511, approximately 77.1% of occupied housing units are owner-occupied and 22.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46511? ▼
The poverty rate in ZIP code 46511 is 26.0% 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.