PlainZIP

South Whitley, IN · standard

ZIP Code 46787

Whitley County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,893
23/sq mi
$62,242
Median income
$166,600
Median home value
20.4%
Bachelor's or higher

The verdict

South Whitley pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

33th pct
household income, US ZIPs
33th pct
home value, US ZIPs
23
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46787 against every reporting US ZIP.

ZIP code 46787 covers 166.4 square miles in South Whitley, Whitley County, Indiana (a standard USPS delivery area), with a modest 3,893 residents on file, a density of 23 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46787 reports a modest median household income of $62,242 (15% below the Indiana average), while per-capita income is $31,562. 16.7% of residents live below the poverty line, and the unemployment rate reads 3.8%. Housing costs here run $166,600 for a typical home value (14% below the state average), with rent averaging $765 a month; 81.6% of homes are owner-occupied.

Educational attainment sits below the national norm: 20.4% of adults hold a bachelor's degree or higher, the median age is 34, and the average commute is 26 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Whitley County, so you can benchmark 46787 against its immediate geography rather than a 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 →

Top industries in ZIP 46787

Top 5 sectors by establishment count in South Whitley, IN

Which industries have the most business establishments in ZIP 46787.

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 46787, South Whitley, 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

3,893

Population

166.4

Area (sq mi)

23

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 46787?

34.0

Median Age

53.3%

Male

46.7%

Female

2.2%

Foreign-Born

White 96.4%
African American 0.0%
Asian 1.7%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.6%
Hispanic or Latino 0.1%

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?

$62,242

Median Household Income

-15% vs state

$31,562

Per Capita Income

16.7%

Poverty Rate

3.8%

Unemployment Rate

25.6 min

Mean Commute Time

How ZIP 46787 ranks nationally

South Whitley, IN household income vs. every US ZIP code

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

$62,242 33rd percentile higher than 33% 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 57.4%
Bachelor's Degree or Higher 20.4%

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

What does housing look like?

1,571

Total Housing Units

1,536

Occupied Units

35

Vacant Units

2.62

Avg Household Size

Occupancy Type

Owner 81.6%
Renter 18.4%

$166,600

Median Home Value

-14% vs state

$765

Median Rent

1959

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

+2.2%

YoY Change (2024)

206

HPI Index (2000 = 100)

+106%

Total Change Since 2000

Home values in ZIP 46787 have increased 2.2% over the past year (2024). Since 2000, this ZIP has seen +106% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.1% 138
2021 +13.0% 156
2022 +10.6% 172
2023 +16.8% 201
2024 +2.2% 206

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 47 business establishments in ZIP 46787, employing approximately 611 people with a combined annual payroll of $29,247,000.

47

Businesses

611

Employees

$29.2M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Retail trade 8 17.0%
Other services (except public administration) 8 17.0%
Manufacturing 6 12.8%
Accommodation and food services 6 12.8%
Construction 5 10.6%
Health care and social assistance 4 8.5%
Transportation and warehousing 3 6.4%

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 46787 vs 46946 →

ZIP 46787 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 46787 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 46787 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 46787 ranks #4 of 5 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
46946 Liberty Mills, IN 136 5.9 mi
46562 Pierceton, IN 4,788 10.7 mi
46962 North Manchester, IN 9,728 9.4 mi
46725 Columbia City, IN 23,080 9.6 mi

More ZIP Codes in Whitley County

46725 standard
Columbia City, IN
Pop: 23,080
46723 standard
Churubusco, IN
Pop: 7,692
46783 standard
Roanoke, IN
Pop: 6,396
46764 standard
Larwill, IN
Pop: 1,497

Related Areas

Whitley County South Whitley, IN Indiana

Frequently Asked Questions

What county is ZIP code 46787 in? ▼
ZIP code 46787 (South Whitley) 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 46787? ▼
ZIP code 46787 in South Whitley, IN has a population of 3,893 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46787? ▼
The median household income in ZIP 46787 is $62,242, which is 18% below the national average of $76,288.
What is the average home value in ZIP 46787? ▼
The median home value in ZIP 46787 is $166,600, which is 40% below the national average of $278,155.
What is the demographic makeup of ZIP 46787? ▼
The largest racial group in ZIP 46787 is White at 96.4%. Hispanic or Latino residents make up 0.1% of the population.
How many businesses are in ZIP code 46787? ▼
ZIP code 46787 has 47 business establishments employing approximately 611 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46787? ▼
The top industries by establishment count in ZIP 46787 are: Retail trade (8), Other services (except public administration) (8), Manufacturing (6). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 46787? ▼
According to the FHFA House Price Index, home values in ZIP 46787 increased by 2.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 106%. 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 46787? ▼
In ZIP code 46787, 57.4% of residents aged 25+ have a high school diploma or higher, and 20.4% 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 46787? ▼
The mean commute time for workers in ZIP code 46787 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 46787? ▼
In ZIP code 46787, approximately 81.6% of occupied housing units are owner-occupied and 18.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46787? ▼
The poverty rate in ZIP code 46787 is 16.7% 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.