Residential delivery area · Indiana
ZIP Code 46788: Spencerville, IN
ZIP code 46788 uses the postal name Spencerville, Indiana and lies mostly in DeKalb County (53% of its land) with the rest in Allen County (Census 2020 ZIP-county file). About 4,400 people live there (Census Bureau, ACS 2020-2024). Median household income is $101,553 (Census Bureau, ACS 2020-2024). Its land lies mostly outside any Census place; under 1% is in small places.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Spencerville · its only residential ZIP
- County
- DeKalb County (53%); Allen County (47%)
- Micro area
- Auburn, IN
- House district
- IN-3 119th Congress
- State
- Indiana
- Time zone
- Eastern
- Land area
- 34.5 sq mi · 127 people per sq mi
Where is ZIP code 46788?
46788 centers on 41.273°, -84.908° and covers 34.5 square miles of land plus 0.3 of water. It borders 6 ZIP codes: 46785, 46741, 46743, 46765, 46706, 43526.
The map draws ZIP code areas only. For the streets inside 46788, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 46788 compare with the rest of DeKalb County?
| Measure | 46788 | In DeKalb County | In IN |
|---|---|---|---|
| People (ACS 2020-2024) | 4,373 | 7th of 14 | 331st of 807 |
| Median household income | $102k | not ranked | not ranked |
| Median home value | $285k | not ranked | not ranked |
46788's median household income is not ranked: its 90% margin of error (±$43,053) is more than a quarter of the figure ($101,553); 46788's median home value is not ranked: its 90% margin of error (±$136,751) is more than a quarter of the figure ($285,200). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 57% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 46788?
The 2020 Census counted 3,396 people in 46788; the ACS, which samples households over 2020-2024, estimates 4,373. Between the 2010 and 2020 censuses its population grew 4.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 4,373±841 (90% margin)
- 2020 Census count
- 3,396+4.2% since 2010 (3,260)
- Households
- 1,123
- Median age
- 24.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 46788?
Of the 4,373 people the ACS estimates in 46788, 41.3% are under 18 and 7.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (88.3%).
- Under 1841.3%
- 18 to 6451.0%
- 65 and older7.7%
- White, not Hispanic88.3%
- Hispanic or Latino9.4%
- Other or two or more2.3%
- Black, not Hispanic0.0%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 46788 earn?
Median household income is $101,553 (ACS 2020-2024). It is not measurably different from 2015-2019 ($91,245 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $101,553±$43,053
- Income per person
- $34,657
- Below the poverty line
- 5.2%
- Unemployed (of the labor force)
- 8.1%
- Adults 25+ with a bachelor's degree
- 25.2%
- Adjusted gross income per tax return, 2022
- $102,0251,510 returns; wages 56% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 46788?
FHFA's house price index for 46788, built from repeat sales and appraisals of the same homes, rose 109% from 2015 to 2025 and rose 73% from 2020 to 2025, and moved +3.3% in 2025.
- Median home value (owners' estimate)
- $285,200
- Median gross rent
- $1,799
- Homes owned by their occupants
- 89.8%
- Housing units
- 1,172
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 46788?
62 business establishments had a location in this ZIP code in 2023, 6 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction29
- Manufacturing6
- Retail trade6
- Professional, scientific, and technical services5
- Other services (except public administration)4
- Transportation and warehousing3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 46788?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 46785 | Saint Joe | 1,491 | $63k | 3.8 mi |
| 46741 | Grabill | 4,713 | $102k | 4.5 mi |
| 46743 | Harlan | 2,347 | $81k | 4.9 mi |
| 46765 | Leo | 5,786 | $112k | 7.0 mi |
| 46706 | Auburn | 20,403 | $81k | 8.0 mi |
| 43526 | Hicksville, OH | 6,464 | $67k | 9.6 mi |
| 46797 | Woodburn | 4,097 | $104k | 10.3 mi (near) |
| 46721 | Butler | 4,739 | $69k | 10.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.