PlainZIP

Waterloo, IN · standard

ZIP Code 46793

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

4,292
30/sq mi
$79,949
Median income
$184,100
Median home value
17.3%
Bachelor's or higher

The verdict

Waterloo pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 38%
household income, US ZIPs
39th pct
home value, US ZIPs
30
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46793 against every reporting US ZIP.

ZIP code 46793 covers 144.0 square miles in Waterloo, DeKalb County, Indiana (a standard USPS delivery area), with a modest 4,292 residents on file, a density of 30 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46793 lands in the middle-income range, with a median household income of $79,949 (9% above the Indiana average), while per-capita income is $36,852. Poverty here runs at 7.5%, with unemployment measured at 3.9%. Housing costs here run $184,100 for a typical home value (5% below the state average), with rent averaging $846 a month; 89.9% of homes are owner-occupied.

Educational attainment sits below the national norm: 17.3% of adults hold a bachelor's degree or higher, the median age is 39.1, and the average commute is 26 minutes. We also surface 9 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing DeKalb County, so you can benchmark 46793 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 46793

Top 5 sectors by establishment count in Waterloo, IN

Which industries have the most business establishments in ZIP 46793.

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 46793, Waterloo, 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

4,292

Population

144.0

Area (sq mi)

30

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 46793?

39.1

Median Age

50.6%

Male

49.4%

Female

1.4%

Foreign-Born

White 92.9%
African American 0.2%
Asian 0.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.4%
Hispanic or Latino 3.3%

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?

$79,949

Median Household Income

+9% vs state

$36,852

Per Capita Income

7.5%

Poverty Rate

3.9%

Unemployment Rate

25.6 min

Mean Commute Time

How ZIP 46793 ranks nationally

Waterloo, IN household income vs. every US ZIP code

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

$79,949 Top 38% higher than 62% 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 61.9%
Bachelor's Degree or Higher 17.3%

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

What does housing look like?

1,678

Total Housing Units

1,599

Occupied Units

79

Vacant Units

2.56

Avg Household Size

Occupancy Type

Owner 89.9%
Renter 10.1%

$184,100

Median Home Value

-5% vs state

$846

Median Rent

1981

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

-1.0%

YoY Change (2024)

196

HPI Index (2000 = 100)

+96%

Total Change Since 2000

Home values in ZIP 46793 have decreased 1.0% over the past year (2024). Since 2000, this ZIP has seen +96% cumulative appreciation.

Year Annual Change HPI Index
2020 +0.3% 141
2021 +8.5% 153
2022 +6.5% 162
2023 +21.8% 198
2024 -1.0% 196

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 81 business establishments in ZIP 46793, employing approximately 1,562 people with a combined annual payroll of $131,911,000.

81

Businesses

1,562

Employees

$131.9M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Construction 15 18.5%
Manufacturing 11 13.6%
Wholesale trade 8 9.9%
Retail trade 8 9.9%
Transportation and warehousing 7 8.6%
Health care and social assistance 7 8.6%
Accommodation and food services 6 7.4%
Other services (except public administration) 5 6.2%
Finance and insurance 4 4.9%
Administrative and support and waste management and remediation services 4 4.9%

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 46793 vs 46705 →

ZIP 46793 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 46793 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 46793 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 46793 ranks #4 of 9 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
46705 Ashley, IN 1,583 4.5 mi
46779 Pleasant Lake, IN 2,166 7.8 mi
46706 Auburn, IN 18,630 8.3 mi
46730 Corunna, IN 1,381 7.1 mi
46721 Butler, IN 5,058 8.0 mi
46742 Hamilton, IN 3,488 9.5 mi
46747 Hudson, IN 2,693 9.7 mi
46738 Garrett, IN 7,918 11.4 mi
46785 Saint Joe, IN 1,542 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
46705 standard
Ashley, IN
Pop: 1,583
46785 standard
Saint Joe, IN
Pop: 1,542
46730 standard
Corunna, IN
Pop: 1,381

Related Areas

DeKalb County Waterloo, IN Indiana

Frequently Asked Questions

What county is ZIP code 46793 in? ▼
ZIP code 46793 (Waterloo) 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 46793? ▼
ZIP code 46793 in Waterloo, IN has a population of 4,292 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46793? ▼
The median household income in ZIP 46793 is $79,949, which is 5% above the national average of $76,288.
What is the average home value in ZIP 46793? ▼
The median home value in ZIP 46793 is $184,100, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 46793? ▼
The largest racial group in ZIP 46793 is White at 92.9%. Hispanic or Latino residents make up 3.3% of the population.
How many businesses are in ZIP code 46793? ▼
ZIP code 46793 has 81 business establishments employing approximately 1,562 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46793? ▼
The top industries by establishment count in ZIP 46793 are: Construction (15), Manufacturing (11), Wholesale trade (8). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 46793? ▼
According to the FHFA House Price Index, home values in ZIP 46793 decreased by 1.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 96%. 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 46793? ▼
In ZIP code 46793, 61.9% of residents aged 25+ have a high school diploma or higher, and 17.3% 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 46793? ▼
The mean commute time for workers in ZIP code 46793 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 46793? ▼
In ZIP code 46793, approximately 89.9% of occupied housing units are owner-occupied and 10.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46793? ▼
The poverty rate in ZIP code 46793 is 7.5% 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.