Poneto, IN · standard
ZIP Code 46781
Wells County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 793
- 12/sq mi Low-density area
- $87,768
- Median income Above-median income area
- $192,900
- Median home value Near-median home value
- 9.3%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Poneto pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 29%
- household income, US ZIPs
- 41st pct
- home value, US ZIPs
- 12
- people per sq mi
- 89%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46781 against every reporting US ZIP.
ZIP code 46781 is a sparsely populated ZIP (a standard USPS delivery area) in Poneto, Wells County, Indiana, home to just 793 residents across 66.6 square miles, a density of 12 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46781 lands in the middle-income range, with a median household income of $87,768 (19% above the average Indiana ZIP), while per-capita income is $44,380. Both reported hardship measures are comparatively low in absolute terms: poverty is 3.9% and unemployment is 0.0%. Median home value is $192,900 (0% below the average Indiana ZIP) and median rent is $496; 89.2% of occupied homes are owner-occupied.
Formal educational attainment runs low here: just 9.3% of adults hold a bachelor's degree or higher, the median age is 42.9, and the average commute is 26 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Wells County, so 46781 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 46781, Poneto, 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
793
Population
66.6
Area (sq mi)
12
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46781?
42.9
Median Age
54.1%
Male
45.9%
Female
0.5%
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?
$87,768
Median Household Income
+19% vs state ZIP avg
$44,380
Per Capita Income
3.9%
Poverty Rate
0.0%
Unemployment Rate
25.6 min
Mean Commute Time
How ZIP 46781 ranks among Indiana ZIPs
Poneto, 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)
$87,768 Top 20% higher than 80% 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
415housing units
415
Total Housing Units
415
Occupied Units
0
Vacant Units
2.52
Avg Household Size
Occupancy Type
$192,900
Median Home Value
-0% vs state ZIP avg
$496
Median Rent
1963
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 15 business establishments in ZIP 46781, employing approximately 44 people with a combined annual payroll of $1,809,000.
15
Businesses
44
Employees
$1.8M
Annual Payroll
2
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 3 | 20.0% |
| Manufacturing | 3 | 20.0% |
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 46781 vs 46766 →
ZIP 46781 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46714
Bluffton (46714)
14,645 residents
- 47359 3,143
Montpelier (47359)
3,143 residents
- 47369 1,343
Pennville (47369)
1,343 residents
- 46781 793
Poneto (46781)
793 residents
- 46766 685
Liberty Center (46766)
685 residents
- 46759 652
Keystone (46759)
652 residents
What this shows Among its immediate neighbors, ZIP 46781 ranks #4 by population - useful context the national average alone can't give.
ZIP 46781 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46781
Poneto (46781)
$87,768 median income
- 46766
Liberty Center (46766)
$85,570 median income
- 47359
Montpelier (47359)
$71,607 median income
- 46714
Bluffton (46714)
$66,441 median income
- 46759
Keystone (46759)
$56,354 median income
- 47369 $32,917
Pennville (47369)
$32,917 median income
What this shows By household income, ZIP 46781 ranks the highest of 6 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 46781, both outside IN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Wells County
Related Areas
Frequently Asked Questions
What county is ZIP code 46781 in?
ZIP code 46781 (Poneto) is located in Wells County, Indiana. Wells County contains multiple ZIP codes, see the full list at /counties/wells-in.
What is the population of ZIP code 46781?
ZIP code 46781 in Poneto, IN has a population of 793 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46781?
The median household income in ZIP 46781 is $87,768, which is 15% above the national average of $76,288.
What is the average home value in ZIP 46781?
The median home value in ZIP 46781 is $192,900, which is 31% below the national average of $278,155.
What is the demographic makeup of ZIP 46781?
The largest racial group in ZIP 46781 is White at 98.3%. Hispanic or Latino residents make up 1.3% of the population.
How many businesses are in ZIP code 46781?
ZIP code 46781 has 15 business establishments employing approximately 44 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 46781?
In ZIP code 46781, 66.1% of residents aged 25+ have a high school diploma or higher, and 9.3% 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 46781?
The mean commute time for workers in ZIP code 46781 is 25.6 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 46781?
In ZIP code 46781, approximately 89.2% of occupied housing units are owner-occupied and 10.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46781?
The poverty rate in ZIP code 46781 is 3.9% 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 46781's numbers, next.
- See how ZIP 46781 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Poneto, 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.