PlainZIP

Garrett, IN · standard

ZIP Code 46738

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

7,918
117/sq mi
$57,545
Median income
$164,200
Median home value
15.9%
Bachelor's or higher

The verdict

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

25th pct
household income, US ZIPs
32th pct
home value, US ZIPs
117
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46738 against every reporting US ZIP.

ZIP code 46738 is a mid-sized community (a standard USPS delivery area) in Garrett, DeKalb County, Indiana, home to 7,918 residents across 67.6 square miles, a density of 117 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46738 reports a modest median household income of $57,545 (22% below the Indiana average), while per-capita income is $30,649. Poverty here runs at 14.6%, with unemployment measured at 4.2%. On housing, the median home value is $164,200 (15% below the state average) with median rent at $879 per month, and 81.1% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 15.9% of adults hold a bachelor's degree or higher, the median age is 40.7, and the average commute is 20 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing DeKalb County, so you can benchmark 46738 against its immediate geography rather than a 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 46738

Top 5 sectors by establishment count in Garrett, IN

Which industries have the most business establishments in ZIP 46738.

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 46738, Garrett, 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

7,918

Population

67.6

Area (sq mi)

117

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 46738?

40.7

Median Age

49.3%

Male

50.7%

Female

2.0%

Foreign-Born

White 93.4%
African American 0.0%
Asian 1.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.6%
Hispanic or Latino 3.9%

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?

$57,545

Median Household Income

-22% vs state

$30,649

Per Capita Income

14.6%

Poverty Rate

4.2%

Unemployment Rate

20.2 min

Mean Commute Time

How ZIP 46738 ranks nationally

Garrett, IN household income vs. every US ZIP code

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

$57,545 25th percentile higher than 25% 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 58.4%
Bachelor's Degree or Higher 15.9%

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

What does housing look like?

3,920

Total Housing Units

3,627

Occupied Units

293

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 81.1%
Renter 18.9%

$164,200

Median Home Value

-15% vs state

$879

Median Rent

1973

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

+12.1%

YoY Change (2024)

218

HPI Index (2000 = 100)

+118%

Total Change Since 2000

Home values in ZIP 46738 have increased 12.1% over the past year (2024). Since 2000, this ZIP has seen +118% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.7% 136
2021 +12.3% 153
2022 +23.5% 189
2023 +3.1% 195
2024 +12.1% 218

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 144 business establishments in ZIP 46738, employing approximately 2,162 people with a combined annual payroll of $120,558,000.

144

Businesses

2,162

Employees

$120.6M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Manufacturing 22 15.3%
Other services (except public administration) 20 13.9%
Health care and social assistance 15 10.4%
Retail trade 14 9.7%
Construction 12 8.3%
Accommodation and food services 11 7.6%
Administrative and support and waste management and remediation services 10 6.9%
Finance and insurance 8 5.6%
Professional, scientific, and technical services 8 5.6%
Wholesale trade 7 4.9%
Transportation and warehousing 5 3.5%
Real estate and rental and leasing 5 3.5%
Arts, entertainment, and recreation 3 2.1%

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 46738 vs 46748 →

ZIP 46738 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 46738 ranks #4 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 46738 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 46738 ranks #null of 9 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
46748 Huntertown, IN 5,134 5.3 mi
46706 Auburn, IN 18,630 5.3 mi
46763 Laotto, IN 1,631 5.4 mi
46710 Avilla, IN 4,679 6.3 mi
46845 Fort Wayne, IN 22,117 8.2 mi
46730 Corunna, IN 1,381 9.1 mi
46765 Leo, IN 5,341 7.8 mi
46793 Waterloo, IN 4,292 11.4 mi
46755 Kendallville, IN 15,062 11.4 mi

More ZIP Codes in DeKalb County

46706 standard
Auburn, IN
Pop: 18,630
46721 standard
Butler, IN
Pop: 5,058
46793 standard
Waterloo, IN
Pop: 4,292
46705 standard
Ashley, IN
Pop: 1,583
46785 standard
Saint Joe, IN
Pop: 1,542
46730 standard
Corunna, IN
Pop: 1,381

Related Areas

DeKalb County Garrett, IN Indiana

Frequently Asked Questions

What county is ZIP code 46738 in? ▼
ZIP code 46738 (Garrett) is located in DeKalb County, Indiana. DeKalb County contains multiple ZIP codes, see the full list at /counties/dekalb-in.
What is the population of ZIP code 46738? ▼
ZIP code 46738 in Garrett, IN has a population of 7,918 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46738? ▼
The median household income in ZIP 46738 is $57,545, which is 25% below the national average of $76,288.
What is the average home value in ZIP 46738? ▼
The median home value in ZIP 46738 is $164,200, which is 41% below the national average of $278,155.
What is the demographic makeup of ZIP 46738? ▼
The largest racial group in ZIP 46738 is White at 93.4%. Hispanic or Latino residents make up 3.9% of the population.
How many businesses are in ZIP code 46738? ▼
ZIP code 46738 has 144 business establishments employing approximately 2,162 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46738? ▼
The top industries by establishment count in ZIP 46738 are: Manufacturing (22), Other services (except public administration) (20), Health care and social assistance (15). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 46738? ▼
According to the FHFA House Price Index, home values in ZIP 46738 increased by 12.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 118%. 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 46738? ▼
In ZIP code 46738, 58.4% of residents aged 25+ have a high school diploma or higher, and 15.9% 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 46738? ▼
The mean commute time for workers in ZIP code 46738 is 20.2 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 46738? ▼
In ZIP code 46738, approximately 81.1% of occupied housing units are owner-occupied and 18.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46738? ▼
The poverty rate in ZIP code 46738 is 14.6% 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.