Columbia City, IN · standard
ZIP Code 46725
Whitley County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 23,080
- 43/sq mi Moderate-density area
- $79,526
- Median income Near-median income area
- $228,900
- Median home value Near-median home value
- 24.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Columbia City pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 39%
- household income, US ZIPs
- Top 48%
- home value, US ZIPs
- 43
- people per sq mi
- 81%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46725 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 46725 (Columbia City, IN) rose +6.9% from 2023 to 2024. The all-transactions index moved from 217.3 in 2023 to 232.4 in 2024 (2000 = 100).
ZIP code 46725 is a densely settled ZIP (a standard USPS delivery area) in Columbia City, Whitley County, Indiana, with 23,080 residents across 531.8 square miles, a density of 43 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46725 lands in the middle-income range, with a median household income of $79,526 (8% above the average Indiana ZIP), while per-capita income is $38,750. The poverty rate is 9.1%, with unemployment at 2.9%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $228,900 (18% above the average Indiana ZIP), while 80.5% of occupied homes are owner-occupied and median rent is $968.
Educational attainment sits below the national norm: 24.7% of adults hold a bachelor's degree or higher, the median age is 42, and the average commute is 22 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 4 more in Whitley County, so 46725 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 46725
Top 5 sectors by establishment count in Columbia City, IN
Which industries have the most business establishments in ZIP 46725.
- Retail trade
Retail trade
69 establishments
- Other services (except public administration)
Other services (except public administration)
69 establishments
- Manufacturing
Manufacturing
57 establishments
- Construction
Construction
53 establishments
- Health care and social assistance
Health care and social assistance
47 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 46725, Columbia City, 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
23,080
Population
531.8
Area (sq mi)
43
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46725?
42.0
Median Age
49.4%
Male
50.6%
Female
0.6%
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?
$79,526
Median Household Income
+8% vs state ZIP avg
$38,750
Per Capita Income
9.1%
Poverty Rate
2.9%
Unemployment Rate
21.7 min
Mean Commute Time
How ZIP 46725 ranks among Indiana ZIPs
Columbia City, 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)
$79,526 Top 31% higher than 69% 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
10,542housing units
10,542
Total Housing Units
9,736
Occupied Units
806
Vacant Units
2.36
Avg Household Size
Occupancy Type
$228,900
Median Home Value
+18% vs state ZIP avg
$968
Median Rent
1983
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
+6.9%
YoY Change (2024)
232
HPI Index (2000 = 100)
+132%
Total Change Since 2000
Home values in ZIP 46725 have increased 6.9% over the past year (2024). Since 2000, this ZIP has seen +132% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.1% | 151 |
| 2021 | +12.4% | 169 |
| 2022 | +15.3% | 195 |
| 2023 | +11.3% | 217 |
| 2024 | +6.9% | 232 |
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 530 business establishments in ZIP 46725, employing approximately 10,623 people with a combined annual payroll of $627,768,000.
530
Businesses
10,623
Employees
$627.8M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 69 | 13.0% |
| Other services (except public administration) | 69 | 13.0% |
| Manufacturing | 57 | 10.8% |
| Construction | 53 | 10.0% |
| Health care and social assistance | 47 | 8.9% |
| Accommodation and food services | 42 | 7.9% |
| Finance and insurance | 36 | 6.8% |
| Professional, scientific, and technical services | 34 | 6.4% |
| Administrative and support and waste management and remediation services | 32 | 6.0% |
| Wholesale trade | 26 | 4.9% |
| Real estate and rental and leasing | 20 | 3.8% |
| Transportation and warehousing | 17 | 3.2% |
| Arts, entertainment, and recreation | 13 | 2.5% |
| Information | 7 | 1.3% |
| Educational services | 5 | 0.9% |
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 46725 vs 46764 →
ZIP 46725 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46725
Columbia City (46725)
23,080 residents
- 46723 7,692
Churubusco (46723)
7,692 residents
- 46787 3,893
South Whitley (46787)
3,893 residents
- 46764 1,497
Larwill (46764)
1,497 residents
What this shows Among its immediate neighbors, ZIP 46725 ranks the most populous - useful context the national average alone can't give.
ZIP 46725 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46723
Churubusco (46723)
$84,286 median income
- 46725
Columbia City (46725)
$79,526 median income
- 46764
Larwill (46764)
$62,939 median income
- 46787
South Whitley (46787)
$62,242 median income
What this shows By household income, ZIP 46725 ranks #2 of 4 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 46725, 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 (23,080 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Whitley County
Related Areas
Frequently Asked Questions
What county is ZIP code 46725 in?
ZIP code 46725 (Columbia City) is located in Whitley County, Indiana. Whitley County contains multiple ZIP codes, see the full list at /counties/whitley-in.
What is the population of ZIP code 46725?
ZIP code 46725 in Columbia City, IN has a population of 23,080 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46725?
The median household income in ZIP 46725 is $79,526, which is 4% above the national average of $76,288.
What is the average home value in ZIP 46725?
The median home value in ZIP 46725 is $228,900, which is 18% below the national average of $278,155.
What is the demographic makeup of ZIP 46725?
The largest racial group in ZIP 46725 is White at 92.4%. Hispanic or Latino residents make up 3.4% of the population.
How many businesses are in ZIP code 46725?
ZIP code 46725 has 530 business establishments employing approximately 10,623 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46725?
The top industries by establishment count in ZIP 46725 are: Retail trade (69), Other services (except public administration) (69), Manufacturing (57). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 46725?
According to the FHFA House Price Index, home values in ZIP 46725 increased by 6.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 132%. 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 46725?
In ZIP code 46725, 61.6% of residents aged 25+ have a high school diploma or higher, and 24.7% 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 46725?
The mean commute time for workers in ZIP code 46725 is 21.7 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 46725?
In ZIP code 46725, approximately 80.5% of occupied housing units are owner-occupied and 19.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46725?
The poverty rate in ZIP code 46725 is 9.1% 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 46725's numbers, next.
- See how ZIP 46725 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Columbia City, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.