PlainZIP

Spencerville, IN · standard

ZIP Code 46788

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

3,260
35/sq mi
$101,553
Median income
$285,200
Median home value
25.2%
Bachelor's or higher

The verdict

Spencerville pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 18%
household income, US ZIPs
Top 36%
home value, US ZIPs
35
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46788 against every reporting US ZIP.

ZIP code 46788 covers 92.1 square miles in Spencerville, Allen County, Indiana (a standard USPS delivery area), with a modest 3,260 residents on file, a density of 35 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46788 lands in the middle-income range, with a median household income of $101,553 (38% above the Indiana average), while per-capita income is $34,657. Local economic indicators show a 5.2% poverty rate alongside 8.1% unemployment. The typical home here is valued at $285,200 (47% above the state average); renters pay a median of $1,799 monthly, and 89.8% of units are owner-occupied.

Educational attainment sits below the national norm: 25.2% of adults hold a bachelor's degree or higher, the median age is 24.7, and the average commute is 25 minutes. We also surface 7 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Allen County, so you can benchmark 46788 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 46788

Top 5 sectors by establishment count in Spencerville, IN

Which industries have the most business establishments in ZIP 46788.

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 46788, Spencerville, 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

3,260

Population

92.1

Area (sq mi)

35

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 46788?

24.7

Median Age

48.8%

Male

51.2%

Female

2.9%

Foreign-Born

White 89.6%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.3%
Hispanic or Latino 9.4%

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?

$101,553

Median Household Income

+38% vs state

$34,657

Per Capita Income

5.2%

Poverty Rate

8.1%

Unemployment Rate

25.0 min

Mean Commute Time

How ZIP 46788 ranks nationally

Spencerville, IN household income vs. every US ZIP code

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

$101,553 Top 18% higher than 82% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 49.7%
Bachelor's Degree or Higher 25.2%

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

What does housing look like?

1,172

Total Housing Units

1,123

Occupied Units

49

Vacant Units

3.89

Avg Household Size

Occupancy Type

Owner 89.8%
Renter 10.2%

$285,200

Median Home Value

+47% vs state

$1,799

Median Rent

1983

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

+3.8%

YoY Change (2024)

246

HPI Index (2000 = 100)

+146%

Total Change Since 2000

Home values in ZIP 46788 have increased 3.8% over the past year (2024). Since 2000, this ZIP has seen +146% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.7% 148
2021 +8.6% 160
2022 +23.9% 198
2023 +19.6% 237
2024 +3.8% 246

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 62 business establishments in ZIP 46788, employing approximately 314 people with a combined annual payroll of $15,814,000.

62

Businesses

314

Employees

$15.8M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Construction 29 46.8%
Manufacturing 6 9.7%
Retail trade 6 9.7%
Professional, scientific, and technical services 5 8.1%
Other services (except public administration) 4 6.5%
Transportation and warehousing 3 4.8%
Administrative and support and waste management and remediation services 3 4.8%

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 46788 vs 46785 →

ZIP 46788 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 46788 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 46788 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 46788 ranks #4 of 8 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
46785 Saint Joe, IN 1,542 3.6 mi
46741 Grabill, IN 4,647 4.5 mi
46743 Harlan, IN 1,971 4.9 mi
46765 Leo, IN 5,341 7.3 mi
46797 Woodburn, IN 3,957 10.3 mi
46706 Auburn, IN 18,630 8.4 mi
46835 Fort Wayne, IN 33,604 10.8 mi

More ZIP Codes in Allen County

46835 standard
Fort Wayne, IN
Pop: 33,604
46825 standard
Fort Wayne, IN
Pop: 27,931
46804 standard
Fort Wayne, IN
Pop: 27,245
46815 standard
Fort Wayne, IN
Pop: 26,522
46806 standard
Fort Wayne, IN
Pop: 23,560
46845 standard
Fort Wayne, IN
Pop: 22,117

Related Areas

Allen County Spencerville, IN Indiana

Frequently Asked Questions

What county is ZIP code 46788 in? ▼
ZIP code 46788 (Spencerville) is located in Allen County, Indiana. Allen County contains multiple ZIP codes, see the full list at /counties/allen-in.
What is the population of ZIP code 46788? ▼
ZIP code 46788 in Spencerville, IN has a population of 3,260 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46788? ▼
The median household income in ZIP 46788 is $101,553, which is 33% above the national average of $76,288.
What is the average home value in ZIP 46788? ▼
The median home value in ZIP 46788 is $285,200, which is 3% above the national average of $278,155.
What is the demographic makeup of ZIP 46788? ▼
The largest racial group in ZIP 46788 is White at 89.6%. Hispanic or Latino residents make up 9.4% of the population.
How many businesses are in ZIP code 46788? ▼
ZIP code 46788 has 62 business establishments employing approximately 314 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46788? ▼
The top industries by establishment count in ZIP 46788 are: Construction (29), Manufacturing (6), Retail trade (6). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 46788? ▼
According to the FHFA House Price Index, home values in ZIP 46788 increased by 3.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 146%. 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 46788? ▼
In ZIP code 46788, 49.7% of residents aged 25+ have a high school diploma or higher, and 25.2% 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 46788? ▼
The mean commute time for workers in ZIP code 46788 is 25.0 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 46788? ▼
In ZIP code 46788, approximately 89.8% of occupied housing units are owner-occupied and 10.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46788? ▼
The poverty rate in ZIP code 46788 is 5.2% 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.