Warsaw, IN · standard
ZIP Code 46580
Kosciusko County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 21,338
- 113/sq mi High-density area
- $71,687
- Median income Near-median income area
- $192,600
- Median home value Near-median home value
- 25.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Warsaw pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 50%
- household income, US ZIPs
- 41st pct
- home value, US ZIPs
- 113
- people per sq mi
- 76%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46580 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46580 (Warsaw, IN) rose +8.8% from 2023 to 2024. The all-transactions index moved from 197.7 in 2023 to 215.2 in 2024 (2000 = 100).
ZIP code 46580 is a densely settled ZIP (a standard USPS delivery area) in Warsaw, Kosciusko County, Indiana, with 21,338 residents across 188.8 square miles, a density of 113 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46580 lands in the middle-income range, with a median household income of $71,687 (3% below the average Indiana ZIP), while per-capita income is $31,978. The poverty rate is 11.0%, with unemployment at 2.8%; those measures add context to the income figure. Median home value is $192,600 (0% below the average Indiana ZIP) and median rent is $1,050; 75.9% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 25.2% of adults hold a bachelor's degree or higher, the median age is 38.9, and the average commute is 17 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Kosciusko County, so 46580 can be compared with both its immediate and county-level context.
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 46580
Top 5 sectors by establishment count in Warsaw, IN
Which industries have the most business establishments in ZIP 46580.
- Retail trade
Retail trade
119 establishments
- Health care and social assistance
Health care and social assistance
87 establishments
- Other services (except public administration)
Other services (except public administration)
82 establishments
- Accommodation and food services
Accommodation and food services
73 establishments
- Finance and insurance
Finance and insurance
65 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 46580, Warsaw, 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
21,338
Population
188.8
Area (sq mi)
113
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46580?
38.9
Median Age
49.0%
Male
51.0%
Female
6.5%
Foreign-Born
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?
$71,687
Median Household Income
-3% vs state ZIP avg
$31,978
Per Capita Income
11.0%
Poverty Rate
2.8%
Unemployment Rate
17.2 min
Mean Commute Time
How ZIP 46580 ranks among Indiana ZIPs
Warsaw, IN household income vs. every Indiana ZIP code
Median household income among 721 reporting Indiana ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$71,687 Top 49% higher than 51% of 721 Indiana ZIPs
Each bar is a $20K-wide band; taller bars hold more Indiana 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
9,014housing units
9,014
Total Housing Units
8,389
Occupied Units
625
Vacant Units
2.54
Avg Household Size
Occupancy Type
$192,600
Median Home Value
-0% vs state ZIP avg
$1,050
Median Rent
1977
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
+8.8%
YoY Change (2024)
215
HPI Index (2000 = 100)
+115%
Total Change Since 2000
Home values in ZIP 46580 have increased 8.8% over the past year (2024). Since 2000, this ZIP has seen +115% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.7% | 152 |
| 2021 | +10.1% | 167 |
| 2022 | +15.6% | 193 |
| 2023 | +2.5% | 198 |
| 2024 | +8.8% | 215 |
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 736 business establishments in ZIP 46580, employing approximately 19,400 people with a combined annual payroll of $1,427,999,000.
736
Businesses
19,400
Employees
$1.4B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 119 | 16.2% |
| Health care and social assistance | 87 | 11.8% |
| Other services (except public administration) | 82 | 11.1% |
| Accommodation and food services | 73 | 9.9% |
| Finance and insurance | 65 | 8.8% |
| Professional, scientific, and technical services | 53 | 7.2% |
| Manufacturing | 52 | 7.1% |
| Construction | 51 | 6.9% |
| Wholesale trade | 36 | 4.9% |
| Real estate and rental and leasing | 32 | 4.3% |
| Administrative and support and waste management and remediation services | 26 | 3.5% |
| Transportation and warehousing | 17 | 2.3% |
| Arts, entertainment, and recreation | 15 | 2.0% |
| Information | 14 | 1.9% |
| Educational services | 5 | 0.7% |
| Management of companies and enterprises | 4 | 0.5% |
| Utilities | 3 | 0.4% |
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 46580 vs 46590 →
ZIP 46580 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46580
Warsaw (46580)
21,338 residents
- 46582
Warsaw (46582)
12,378 residents
- 46590 4,908
Winona Lake (46590)
4,908 residents
- 46538 3,867
Leesburg (46538)
3,867 residents
- 46510 3,631
Claypool (46510)
3,631 residents
- 46982 2,573
Silver Lake (46982)
2,573 residents
- 46508 217
Burket (46508)
217 residents
- 46502 115
Atwood (46502)
115 residents
What this shows Among its immediate neighbors, ZIP 46580 ranks the most populous - useful context the national average alone can't give.
ZIP 46580 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46510
Claypool (46510)
$99,420 median income
- 46538
Leesburg (46538)
$89,803 median income
- 46590
Winona Lake (46590)
$82,188 median income
- 46982
Silver Lake (46982)
$79,688 median income
- 46580
Warsaw (46580)
$71,687 median income
- 46582
Warsaw (46582)
$66,738 median income
- 46508
Burket (46508)
$55,833 median income
What this shows By household income, ZIP 46580 ranks #5 of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46580, both outside IN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (21,338 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kosciusko County
Related Areas
Frequently Asked Questions
What county is ZIP code 46580 in?
ZIP code 46580 (Warsaw) is located in Kosciusko County, Indiana. Kosciusko County contains multiple ZIP codes, see the full list at /counties/kosciusko-in.
What is the population of ZIP code 46580?
ZIP code 46580 in Warsaw, IN has a population of 21,338 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46580?
The median household income in ZIP 46580 is $71,687, which is 6% below the national average of $76,288.
What is the average home value in ZIP 46580?
The median home value in ZIP 46580 is $192,600, which is 31% below the national average of $278,155.
What is the demographic makeup of ZIP 46580?
The largest racial group in ZIP 46580 is White at 82.7%. Hispanic or Latino residents make up 14.0% of the population.
How many businesses are in ZIP code 46580?
ZIP code 46580 has 736 business establishments employing approximately 19,400 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46580?
The top industries by establishment count in ZIP 46580 are: Retail trade (119), Health care and social assistance (87), Other services (except public administration) (82). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 46580?
According to the FHFA House Price Index, home values in ZIP 46580 increased by 8.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 115%. 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 46580?
In ZIP code 46580, 60.5% of residents aged 25+ have a high school diploma or higher, and 25.2% 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 46580?
The mean commute time for workers in ZIP code 46580 is 17.2 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 46580?
In ZIP code 46580, approximately 75.9% of occupied housing units are owner-occupied and 24.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46580?
The poverty rate in ZIP code 46580 is 11.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 46580's numbers, next.
- See how ZIP 46580 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Warsaw, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.