PlainZIP

Larwill, IN · standard

ZIP Code 46764

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

1,497
17/sq mi
$62,939
Median income
$261,300
Median home value
19.3%
Bachelor's or higher

The verdict

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

35th pct
household income, US ZIPs
Top 40%
home value, US ZIPs
17
people per sq mi
95%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46764 against every reporting US ZIP.

ZIP code 46764 is a sparsely populated ZIP (a standard USPS delivery area) in Larwill, Whitley County, Indiana, home to just 1,497 residents across 88.6 square miles, a density of 17 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46764 reports a modest median household income of $62,939 (15% below the Indiana average), while per-capita income is $30,092. 14.2% of residents live below the poverty line, and the unemployment rate reads 6.1%. Median home value sits at $261,300 (35% above the state average), median rent at $1,300 a month, and owner-occupancy at 95.2%.

Educational attainment sits below the national norm: 19.3% of adults hold a bachelor's degree or higher, the median age is 42.5, and the average commute is 27 minutes. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 46764, plus 4 more within Whitley County, give a clearer read than the 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 →

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 46764, Larwill, 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

1,497

Population

88.6

Area (sq mi)

17

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 46764?

42.5

Median Age

38.2%

Male

61.8%

Female

0.9%

Foreign-Born

White 83.5%
African American 0.3%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.7%
Hispanic or Latino 5.1%

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?

$62,939

Median Household Income

-15% vs state

$30,092

Per Capita Income

14.2%

Poverty Rate

6.1%

Unemployment Rate

27.3 min

Mean Commute Time

How ZIP 46764 ranks nationally

Larwill, IN household income vs. every US ZIP code

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

$62,939 35th percentile higher than 35% 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 60.4%
Bachelor's Degree or Higher 19.3%

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

What does housing look like?

659

Total Housing Units

543

Occupied Units

116

Vacant Units

2.86

Avg Household Size

Occupancy Type

Owner 95.2%
Renter 4.8%

$261,300

Median Home Value

+35% vs state

$1,300

Median Rent

1960

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

+12.7%

YoY Change (2024)

203

HPI Index (2000 = 100)

+103%

Total Change Since 2000

Home values in ZIP 46764 have increased 12.7% over the past year (2024). Since 2000, this ZIP has seen +103% cumulative appreciation.

Year Annual Change HPI Index
2019 +4.2% 134
2020 +8.1% 145
2021 +12.8% 164
2022 +12.7% 185
2024 – 203

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 12 business establishments in ZIP 46764, employing approximately 88 people with a combined annual payroll of $4,378,000.

12

Businesses

88

Employees

$4.4M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Manufacturing 3 25.0%
Other services (except public administration) 3 25.0%

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 46764 vs 46562 →

ZIP 46764 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 46764 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 46764 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 46764 ranks #4 of 5 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
46562 Pierceton, IN 4,788 4.0 mi
46555 North Webster, IN 2,835 8.2 mi
46760 Kimmell, IN 1,382 9.3 mi
46725 Columbia City, IN 23,080 9.2 mi

More ZIP Codes in Whitley County

46725 standard
Columbia City, IN
Pop: 23,080
46723 standard
Churubusco, IN
Pop: 7,692
46783 standard
Roanoke, IN
Pop: 6,396
46787 standard
South Whitley, IN
Pop: 3,893

Related Areas

Whitley County Larwill, IN Indiana

Frequently Asked Questions

What county is ZIP code 46764 in? ▼
ZIP code 46764 (Larwill) 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 46764? ▼
ZIP code 46764 in Larwill, IN has a population of 1,497 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46764? ▼
The median household income in ZIP 46764 is $62,939, which is 17% below the national average of $76,288.
What is the average home value in ZIP 46764? ▼
The median home value in ZIP 46764 is $261,300, which is 6% below the national average of $278,155.
What is the demographic makeup of ZIP 46764? ▼
The largest racial group in ZIP 46764 is White at 83.5%. Hispanic or Latino residents make up 5.1% of the population.
How many businesses are in ZIP code 46764? ▼
ZIP code 46764 has 12 business establishments employing approximately 88 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 46764? ▼
According to the FHFA House Price Index, home values in ZIP 46764 increased by 12.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 103%. 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 46764? ▼
In ZIP code 46764, 60.4% of residents aged 25+ have a high school diploma or higher, and 19.3% 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 46764? ▼
The mean commute time for workers in ZIP code 46764 is 27.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46764? ▼
In ZIP code 46764, approximately 95.2% of occupied housing units are owner-occupied and 4.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46764? ▼
The poverty rate in ZIP code 46764 is 14.2% 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.