Saint Joe, IN · standard
ZIP Code 46785
DeKalb County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,542
- 24/sq mi Moderate-density area
- $63,250
- Median income Near-median income area
- $163,300
- Median home value Below-median home value
- 6.5%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Saint Joe pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 35th pct
- household income, US ZIPs
- 31st pct
- home value, US ZIPs
- 24
- people per sq mi
- 85%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46785 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46785 (Saint Joe, IN) rose +19.2% from 2023 to 2024.
ZIP code 46785 covers 63.2 square miles in Saint Joe, DeKalb County, Indiana (a standard USPS delivery area), with a modest 1,542 residents on file, a density of 24 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46785 reports a modest median household income of $63,250 (14% below the average Indiana ZIP), while per-capita income is $24,024. Unemployment is 10.4%, an important qualifier alongside the household-income figure. Home values sit below the statewide ZIP benchmark: the median is $163,300 (16% below the average Indiana ZIP), and median rent is $855; owner occupancy is 84.6%.
Formal educational attainment runs low here: just 6.5% of adults hold a bachelor's degree or higher, the median age is 35.8, and the average commute is 23 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in DeKalb County, so 46785 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 →
Top industries in ZIP 46785
Top 5 sectors by establishment count in Saint Joe, IN
Which industries have the most business establishments in ZIP 46785.
- Construction
Construction
9 establishments
- Transportation and warehousing
Transportation and warehousing
4 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
4 establishments
- Other services (except public administration)
Other services (except public administration)
4 establishments
- Manufacturing 3
Manufacturing
3 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 46785, Saint Joe, 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
1,542
Population
63.2
Area (sq mi)
24
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46785?
35.8
Median Age
56.9%
Male
43.1%
Female
0.3%
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?
$63,250
Median Household Income
-14% vs state ZIP avg
$24,024
Per Capita Income
7.8%
Poverty Rate
10.4%
Unemployment Rate
23.2 min
Mean Commute Time
How ZIP 46785 ranks among Indiana ZIPs
Saint Joe, 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)
$63,250 33rd percentile higher than 33% 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
522housing units
522
Total Housing Units
455
Occupied Units
67
Vacant Units
3.28
Avg Household Size
Occupancy Type
$163,300
Median Home Value
-16% vs state ZIP avg
$855
Median Rent
1971
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 33 business establishments in ZIP 46785, employing approximately 896 people with a combined annual payroll of $91,987,000.
33
Businesses
896
Employees
$92.0M
Annual Payroll
6
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 9 | 27.3% |
| Transportation and warehousing | 4 | 12.1% |
| Administrative and support and waste management and remediation services | 4 | 12.1% |
| Other services (except public administration) | 4 | 12.1% |
| Manufacturing | 3 | 9.1% |
| Wholesale trade | 3 | 9.1% |
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 46785 vs 46788 →
ZIP 46785 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46721
Butler (46721)
5,058 residents
- 46741
Grabill (46741)
4,647 residents
- 46793
Waterloo (46793)
4,292 residents
- 46788
Spencerville (46788)
3,260 residents
- 46743 1,971
Harlan (46743)
1,971 residents
- 46785 1,542
Saint Joe (46785)
1,542 residents
What this shows Among its immediate neighbors, ZIP 46785 ranks #6 by population - useful context the national average alone can't give.
ZIP 46785 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46741
Grabill (46741)
$102,281 median income
- 46788
Spencerville (46788)
$101,553 median income
- 46743
Harlan (46743)
$81,406 median income
- 46793
Waterloo (46793)
$79,949 median income
- 46721
Butler (46721)
$68,580 median income
- 46785
Saint Joe (46785)
$63,250 median income
What this shows By household income, ZIP 46785 ranks #6 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 46785, 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 (1,542 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in DeKalb County
Related Areas
Frequently Asked Questions
What county is ZIP code 46785 in?
ZIP code 46785 (Saint Joe) 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 46785?
ZIP code 46785 in Saint Joe, IN has a population of 1,542 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46785?
The median household income in ZIP 46785 is $63,250, which is 17% below the national average of $76,288.
What is the average home value in ZIP 46785?
The median home value in ZIP 46785 is $163,300, which is 41% below the national average of $278,155.
What is the demographic makeup of ZIP 46785?
The largest racial group in ZIP 46785 is White at 92.0%. Hispanic or Latino residents make up 4.8% of the population.
How many businesses are in ZIP code 46785?
ZIP code 46785 has 33 business establishments employing approximately 896 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46785?
The top industries by establishment count in ZIP 46785 are: Construction (9), Transportation and warehousing (4), Administrative and support and waste management and remediation services (4). There are 6 industry sectors represented in total.
What is the education level in ZIP code 46785?
In ZIP code 46785, 58.5% of residents aged 25+ have a high school diploma or higher, and 6.5% 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 46785?
The mean commute time for workers in ZIP code 46785 is 23.2 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 46785?
In ZIP code 46785, approximately 84.6% of occupied housing units are owner-occupied and 15.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46785?
The poverty rate in ZIP code 46785 is 7.8% 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 46785's numbers, next.
- See how ZIP 46785 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Saint Joe, 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.