PlainZIP

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
$71,687
Median income
$192,600
Median home value
25.2%
Bachelor's or higher

The verdict

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

Top 50%
household income, US ZIPs
41th 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.

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 Indiana average), while per-capita income is $31,978. Poverty here runs at 11.0%, with unemployment measured at 2.8%. On housing, the median home value is $192,600 (0% below the state average) with median rent at $1,050 per month, and 75.9% of occupied units 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. To put 46580 in local context, 7 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Kosciusko 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 46580

Top 5 sectors by establishment count in Warsaw, IN

Which industries have the most business establishments in ZIP 46580.

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 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

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 46580?

38.9

Median Age

49.0%

Male

51.0%

Female

6.5%

Foreign-Born

White 82.7%
African American 0.6%
Asian 0.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.5%
Hispanic or Latino 14.0%

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?

$71,687

Median Household Income

-3% vs state

$31,978

Per Capita Income

11.0%

Poverty Rate

2.8%

Unemployment Rate

17.2 min

Mean Commute Time

How ZIP 46580 ranks nationally

Warsaw, IN household income vs. every US ZIP code

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

$71,687 Top 50% higher than 50% 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 60.5%
Bachelor's Degree or Higher 25.2%

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

What does housing look like?

9,014

Total Housing Units

8,389

Occupied Units

625

Vacant Units

2.54

Avg Household Size

Occupancy Type

Owner 75.9%
Renter 24.1%

$192,600

Median Home Value

-0% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 46580 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 46580 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 46580 ranks #5 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
46590 Winona Lake, IN 4,908 3.3 mi
46510 Claypool, IN 3,631 6.1 mi
46582 Warsaw, IN 12,378 5.3 mi
46502 Atwood, IN 115 6.5 mi
46508 Burket, IN 217 6.7 mi
46982 Silver Lake, IN 2,573 10.4 mi
46538 Leesburg, IN 3,867 8.6 mi

More ZIP Codes in Kosciusko County

46582 standard
Warsaw, IN
Pop: 12,378
46567 standard
Syracuse, IN
Pop: 9,405
46590 standard
Winona Lake, IN
Pop: 4,908
46562 standard
Pierceton, IN
Pop: 4,788
46542 standard
Milford, IN
Pop: 4,198
46538 standard
Leesburg, IN
Pop: 3,867

Related Areas

Kosciusko County Warsaw, IN Indiana

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.

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