PlainZIP

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
$63,250
Median income
$163,300
Median home value
6.5%
Bachelor's or higher

The verdict

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
31th 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.

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 Indiana average), while per-capita income is $24,024. Poverty here runs at 7.8%, with unemployment measured at 10.4%. The typical home here is valued at $163,300 (16% below the state average); renters pay a median of $855 monthly, and 84.6% of units are owner-occupied.

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. To put 46785 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in DeKalb County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

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 46785?

35.8

Median Age

56.9%

Male

43.1%

Female

0.3%

Foreign-Born

White 92.0%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.4%
Hispanic or Latino 4.8%

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

$24,024

Per Capita Income

7.8%

Poverty Rate

10.4%

Unemployment Rate

23.2 min

Mean Commute Time

How ZIP 46785 ranks nationally

Saint Joe, IN household income vs. every US ZIP code

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

$63,250 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 58.5%
Bachelor's Degree or Higher 6.5%

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

What does housing look like?

522

Total Housing Units

455

Occupied Units

67

Vacant Units

3.28

Avg Household Size

Occupancy Type

Owner 84.6%
Renter 15.4%

$163,300

Median Home Value

-16% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 46785 ranks #6 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 46785 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 46785 ranks #6 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
46788 Spencerville, IN 3,260 3.6 mi
46721 Butler, IN 5,058 7.3 mi
46743 Harlan, IN 1,971 7.4 mi
46741 Grabill, IN 4,647 8.1 mi
46793 Waterloo, IN 4,292 12.1 mi

More ZIP Codes in DeKalb County

46706 standard
Auburn, IN
Pop: 18,630
46738 standard
Garrett, IN
Pop: 7,918
46721 standard
Butler, IN
Pop: 5,058
46793 standard
Waterloo, IN
Pop: 4,292
46705 standard
Ashley, IN
Pop: 1,583
46730 standard
Corunna, IN
Pop: 1,381

Related Areas

DeKalb County Saint Joe, IN Indiana

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.

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