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 Moderate-density area
- $62,242
- Median income Near-median income area
- $166,600
- Median home value Below-median home value
- 20.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
South Whitley pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 33rd pct
- household income, US ZIPs
- 33rd 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46787 (South Whitley, IN) rose +2.2% from 2023 to 2024. The all-transactions index moved from 201.4 in 2023 to 205.8 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $31,562. The poverty rate is 16.7%, with unemployment at 3.8%; those measures add context to the income figure. Median home value is $166,600 (14% below the average Indiana ZIP) and median rent is $765; 81.6% of occupied 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. The page also surfaces 4 ZIP codes within roughly 10 miles and 4 more in Whitley County, so 46787 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 46787
Top 5 sectors by establishment count in South Whitley, IN
Which industries have the most business establishments in ZIP 46787.
- Retail trade
Retail trade
8 establishments
- Other services (except public administration)
Other services (except public administration)
8 establishments
- Manufacturing
Manufacturing
6 establishments
- Accommodation and food services
Accommodation and food services
6 establishments
- Construction
Construction
5 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 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
Who lives in ZIP 46787?
34.0
Median Age
53.3%
Male
46.7%
Female
2.2%
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?
$62,242
Median Household Income
-15% vs state ZIP avg
$31,562
Per Capita Income
16.7%
Poverty Rate
3.8%
Unemployment Rate
25.6 min
Mean Commute Time
How ZIP 46787 ranks among Indiana ZIPs
South Whitley, 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)
$62,242 31st percentile higher than 31% 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
1,571housing units
1,571
Total Housing Units
1,536
Occupied Units
35
Vacant Units
2.62
Avg Household Size
Occupancy Type
$166,600
Median Home Value
-14% vs state ZIP avg
$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.
- 46725
Columbia City (46725)
23,080 residents
- 46962
North Manchester (46962)
9,728 residents
- 46562 4,788
Pierceton (46562)
4,788 residents
- 46787 3,893
South Whitley (46787)
3,893 residents
- 46946 136
Liberty Mills (46946)
136 residents
What this shows Among its immediate neighbors, ZIP 46787 ranks #4 by population - useful context the national average alone can't give.
ZIP 46787 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46725
Columbia City (46725)
$79,526 median income
- 46562
Pierceton (46562)
$68,902 median income
- 46962
North Manchester (46962)
$67,984 median income
- 46787
South Whitley (46787)
$62,242 median income
- 46946
Liberty Mills (46946)
$61,346 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46787, 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 (3,893 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Whitley County
Related Areas
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.
Related
Take this with you
What to do with ZIP 46787's numbers, next.
- See how ZIP 46787 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where South Whitley, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.