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 Moderate-density area
- $79,949
- Median income Near-median income area
- $184,100
- Median home value Near-median home value
- 17.3%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46793 (Waterloo, IN) fell -1.0% from 2023 to 2024. The all-transactions index moved from 197.9 in 2023 to 195.8 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $36,852. Both reported hardship measures are comparatively low in absolute terms: poverty is 7.5% and unemployment is 3.9%. Median home value is $184,100 (5% below the average Indiana ZIP) and median rent is $846; 89.9% of occupied 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. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in DeKalb County, so 46793 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 46793
Top 5 sectors by establishment count in Waterloo, IN
Which industries have the most business establishments in ZIP 46793.
- Construction
Construction
15 establishments
- Manufacturing
Manufacturing
11 establishments
- Wholesale trade
Wholesale trade
8 establishments
- Retail trade
Retail trade
8 establishments
- Transportation and warehousing
Transportation and warehousing
7 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 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
Who lives in ZIP 46793?
39.1
Median Age
50.6%
Male
49.4%
Female
1.4%
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?
$79,949
Median Household Income
+9% vs state ZIP avg
$36,852
Per Capita Income
7.5%
Poverty Rate
3.9%
Unemployment Rate
25.6 min
Mean Commute Time
How ZIP 46793 ranks among Indiana ZIPs
Waterloo, 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)
$79,949 Top 31% higher than 69% 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
1,678housing units
1,678
Total Housing Units
1,599
Occupied Units
79
Vacant Units
2.56
Avg Household Size
Occupancy Type
$184,100
Median Home Value
-5% vs state ZIP avg
$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.
- 46706
Auburn (46706)
18,630 residents
- 46738
Garrett (46738)
7,918 residents
- 46721 5,058
Butler (46721)
5,058 residents
- 46793 4,292
Waterloo (46793)
4,292 residents
- 46742 3,488
Hamilton (46742)
3,488 residents
- 46747 2,693
Hudson (46747)
2,693 residents
- 46779 2,166
Pleasant Lake (46779)
2,166 residents
- 46705 1,583
Ashley (46705)
1,583 residents
- 46785 1,542
Saint Joe (46785)
1,542 residents
What this shows Among its immediate neighbors, ZIP 46793 ranks #4 by population - useful context the national average alone can't give.
ZIP 46793 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46730
Corunna (46730)
$116,181 median income
- 46779
Pleasant Lake (46779)
$86,000 median income
- 46706
Auburn (46706)
$80,965 median income
- 46793
Waterloo (46793)
$79,949 median income
- 46742
Hamilton (46742)
$78,750 median income
- 46747
Hudson (46747)
$75,662 median income
- 46721
Butler (46721)
$68,580 median income
- 46705
Ashley (46705)
$67,266 median income
- 46785
Saint Joe (46785)
$63,250 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46793, 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 (4,292 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in DeKalb County
Related Areas
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.
Related
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What to do with ZIP 46793's numbers, next.
- See how ZIP 46793 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Waterloo, 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.