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 Moderate-density area
- $62,939
- Median income Near-median income area
- $261,300
- Median home value Near-median home value
- 19.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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 average Indiana ZIP), while per-capita income is $30,092. The poverty rate is 14.2%, with unemployment at 6.1%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $261,300 (35% above the average Indiana ZIP), while 95.2% of occupied homes are owner-occupied and median rent is $1,300.
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. The page also surfaces 4 ZIP codes within roughly 10 miles and 4 more in Whitley County, so 46764 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 →
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
Who lives in ZIP 46764?
42.5
Median Age
38.2%
Male
61.8%
Female
0.9%
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?
$62,939
Median Household Income
-15% vs state ZIP avg
$30,092
Per Capita Income
14.2%
Poverty Rate
6.1%
Unemployment Rate
27.3 min
Mean Commute Time
How ZIP 46764 ranks among Indiana ZIPs
Larwill, 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)
$62,939 31st percentile higher than 31% 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
659housing units
659
Total Housing Units
543
Occupied Units
116
Vacant Units
2.86
Avg Household Size
Occupancy Type
$261,300
Median Home Value
+35% vs state ZIP avg
$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.
- 46725
Columbia City (46725)
23,080 residents
- 46562 4,788
Pierceton (46562)
4,788 residents
- 46555 2,835
North Webster (46555)
2,835 residents
- 46764 1,497
Larwill (46764)
1,497 residents
- 46760 1,382
Kimmell (46760)
1,382 residents
What this shows Among its immediate neighbors, ZIP 46764 ranks #4 by population - useful context the national average alone can't give.
ZIP 46764 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46725
Columbia City (46725)
$79,526 median income
- 46555
North Webster (46555)
$70,399 median income
- 46562
Pierceton (46562)
$68,902 median income
- 46764
Larwill (46764)
$62,939 median income
- 46760
Kimmell (46760)
$46,992 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46764, 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 (1,497 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 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.
Related
Take this with you
What to do with ZIP 46764's numbers, next.
- See how ZIP 46764 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Larwill, 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.