PlainZIP

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
$87,768
Median income
$192,900
Median home value
9.3%
Bachelor's or higher

The verdict

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

Top 29%
household income, US ZIPs
41th 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 Indiana average), while per-capita income is $44,380. 3.9% of residents live below the poverty line, and the unemployment rate reads 0.0%. The typical home here is valued at $192,900 (0% below the state average); renters pay a median of $496 monthly, and 89.2% of units 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. A geography-based comparison follows: 5 ZIP codes within about 10 miles of 46781, plus 6 more within Wells 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 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

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 46781?

42.9

Median Age

54.1%

Male

45.9%

Female

0.5%

Foreign-Born

White 98.3%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.0%
Hispanic or Latino 1.3%

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

$44,380

Per Capita Income

3.9%

Poverty Rate

0.0%

Unemployment Rate

25.6 min

Mean Commute Time

How ZIP 46781 ranks nationally

Poneto, IN household income vs. every US ZIP code

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

$87,768 Top 29% higher than 71% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 66.1%
Bachelor's Degree or Higher 9.3%

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

What does housing look like?

415

Total Housing Units

415

Occupied Units

0

Vacant Units

2.52

Avg Household Size

Occupancy Type

Owner 89.2%
Renter 10.8%

$192,900

Median Home Value

-0% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 46781 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 46781 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 46781 ranks the highest of 6 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
46766 Liberty Center, IN 685 5.2 mi
47359 Montpelier, IN 3,143 6.0 mi
46759 Keystone, IN 652 5.5 mi
46714 Bluffton, IN 14,645 7.7 mi
47369 Pennville, IN 1,343 11.3 mi

More ZIP Codes in Wells County

46714 standard
Bluffton, IN
Pop: 14,645
46777 standard
Ossian, IN
Pop: 6,259
46770 standard
Markle, IN
Pop: 2,716
46791 standard
Uniondale, IN
Pop: 918
46766 standard
Liberty Center, IN
Pop: 685
46759 standard
Keystone, IN
Pop: 652

Related Areas

Wells County Poneto, IN Indiana

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.

Read our methodology to see how this data is sourced, computed, and verified.