Fort Wayne, IN · standard
ZIP Code 46845
Allen County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 22,117
- 375/sq mi High-density area
- $112,676
- Median income Above-median income area
- $339,200
- Median home value Above-median home value
- 54.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Fort Wayne pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 12%
- household income, US ZIPs
- Top 28%
- home value, US ZIPs
- 375
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46845 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 46845 (Fort Wayne, IN) rose +5.3% from 2023 to 2024. The all-transactions index moved from 210.3 in 2023 to 221.3 in 2024 (2000 = 100).
ZIP code 46845 is a densely settled ZIP (a standard USPS delivery area) in Fort Wayne, Allen County, Indiana, with 22,117 residents across 58.9 square miles, a density of 375 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46845 skews affluent, with a median household income of $112,676 (53% above the average Indiana ZIP), while per-capita income is $54,607. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.1% and unemployment is 1.6%. Housing is both higher-cost and owner-heavy: median home value is $339,200 (75% above the average Indiana ZIP), while 84.0% of occupied homes are owner-occupied and median rent is $1,398.
This is a highly-educated ZIP: 54.3% of adults hold a bachelor's degree or higher, the median age is 40.6, and the average commute is 21 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Allen County, so 46845 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 46845
Top 5 sectors by establishment count in Fort Wayne, IN
Which industries have the most business establishments in ZIP 46845.
- Health care and social assistance
Health care and social assistance
98 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
59 establishments
- Finance and insurance
Finance and insurance
53 establishments
- Construction
Construction
45 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
44 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 46845, Fort Wayne, 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
22,117
Population
58.9
Area (sq mi)
375
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46845?
40.6
Median Age
50.3%
Male
49.7%
Female
5.1%
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?
$112,676
Median Household Income
+53% vs state ZIP avg
$54,607
Per Capita Income
4.1%
Poverty Rate
1.6%
Unemployment Rate
20.7 min
Mean Commute Time
How ZIP 46845 ranks among Indiana ZIPs
Fort Wayne, 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)
$112,676 Top 5% higher than 95% 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
11,370housing units
11,370
Total Housing Units
11,044
Occupied Units
326
Vacant Units
2.66
Avg Household Size
Occupancy Type
$339,200
Median Home Value
+75% vs state ZIP avg
$1,398
Median Rent
2003
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
+5.3%
YoY Change (2024)
221
HPI Index (2000 = 100)
+121%
Total Change Since 2000
Home values in ZIP 46845 have increased 5.3% over the past year (2024). Since 2000, this ZIP has seen +121% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.3% | 145 |
| 2021 | +13.5% | 164 |
| 2022 | +17.0% | 192 |
| 2023 | +9.3% | 210 |
| 2024 | +5.3% | 221 |
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 473 business establishments in ZIP 46845, employing approximately 10,141 people with a combined annual payroll of $812,581,000.
473
Businesses
10,141
Employees
$812.6M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 98 | 20.7% |
| Professional, scientific, and technical services | 59 | 12.5% |
| Finance and insurance | 53 | 11.2% |
| Construction | 45 | 9.5% |
| Real estate and rental and leasing | 44 | 9.3% |
| Administrative and support and waste management and remediation services | 37 | 7.8% |
| Other services (except public administration) | 31 | 6.5% |
| Wholesale trade | 27 | 5.7% |
| Retail trade | 17 | 3.6% |
| Transportation and warehousing | 17 | 3.6% |
| Accommodation and food services | 15 | 3.2% |
| Manufacturing | 6 | 1.3% |
| Information | 5 | 1.1% |
| Management of companies and enterprises | 5 | 1.1% |
| Educational services | 5 | 1.1% |
| Arts, entertainment, and recreation | 5 | 1.1% |
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 46845 vs 46825 →
ZIP 46845 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46835
Fort Wayne (46835)
33,604 residents
- 46825
Fort Wayne (46825)
27,931 residents
- 46815
Fort Wayne (46815)
26,522 residents
- 46845
Fort Wayne (46845)
22,117 residents
- 46805
Fort Wayne (46805)
21,306 residents
- 46808
Fort Wayne (46808)
19,309 residents
- 46802 11,086
Fort Wayne (46802)
11,086 residents
- 46803 9,758
Fort Wayne (46803)
9,758 residents
- 46738 7,918
Garrett (46738)
7,918 residents
What this shows Among its immediate neighbors, ZIP 46845 ranks #4 by population - useful context the national average alone can't give.
ZIP 46845 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46845
Fort Wayne (46845)
$112,676 median income
- 46765
Leo (46765)
$112,328 median income
- 46748
Huntertown (46748)
$109,375 median income
- 46835
Fort Wayne (46835)
$77,152 median income
- 46815
Fort Wayne (46815)
$73,239 median income
- 46825
Fort Wayne (46825)
$70,544 median income
- 46738
Garrett (46738)
$57,545 median income
- 46808
Fort Wayne (46808)
$53,359 median income
- 46805
Fort Wayne (46805)
$52,154 median income
What this shows By household income, ZIP 46845 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 46825 | Fort Wayne, IN | 27,931 | 3.7 mi |
| 46765 | Leo, IN | 5,341 | 3.9 mi |
| 46748 | Huntertown, IN | 5,134 | 4.3 mi |
| 46835 | Fort Wayne, IN | 33,604 | 4.9 mi |
| 46805 | Fort Wayne, IN | 21,306 | 7.3 mi |
| 46738 | Garrett, IN | 7,918 | 8.2 mi |
| 46815 | Fort Wayne, IN | 26,522 | 7.5 mi |
| 46803 | Fort Wayne, IN | 9,758 | 9.3 mi |
| 46808 | Fort Wayne, IN | 19,309 | 8.2 mi |
| 46802 | Fort Wayne, IN | 11,086 | 9.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46845, 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 (22,117 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Allen County
Related Areas
Frequently Asked Questions
What county is ZIP code 46845 in?
ZIP code 46845 (Fort Wayne) 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 46845?
ZIP code 46845 in Fort Wayne, IN has a population of 22,117 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46845?
The median household income in ZIP 46845 is $112,676, which is 48% above the national average of $76,288.
What is the average home value in ZIP 46845?
The median home value in ZIP 46845 is $339,200, which is 22% above the national average of $278,155.
What is the demographic makeup of ZIP 46845?
The largest racial group in ZIP 46845 is White at 85.5%. Hispanic or Latino residents make up 3.3% of the population.
How many businesses are in ZIP code 46845?
ZIP code 46845 has 473 business establishments employing approximately 10,141 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46845?
The top industries by establishment count in ZIP 46845 are: Health care and social assistance (98), Professional, scientific, and technical services (59), Finance and insurance (53). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46845?
According to the FHFA House Price Index, home values in ZIP 46845 increased by 5.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 121%. 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 46845?
In ZIP code 46845, 71.5% of residents aged 25+ have a high school diploma or higher, and 54.3% 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 46845?
The mean commute time for workers in ZIP code 46845 is 20.7 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 46845?
In ZIP code 46845, approximately 84.0% of occupied housing units are owner-occupied and 16.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46845?
The poverty rate in ZIP code 46845 is 4.1% 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 46845's numbers, next.
- See how ZIP 46845 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Fort Wayne, 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.