Kokomo, IN · standard
ZIP Code 46902
Howard County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 35,697
- 259/sq mi High-density area
- $62,126
- Median income Near-median income area
- $168,800
- Median home value Near-median home value
- 21.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Kokomo pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.
- 33rd pct
- household income, US ZIPs
- 34th pct
- home value, US ZIPs
- 259
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46902 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 46902 (Kokomo, IN) rose +4.8% from 2023 to 2024. The all-transactions index moved from 169.3 in 2023 to 177.5 in 2024 (2000 = 100).
ZIP code 46902 is a densely settled ZIP (a standard USPS delivery area) in Kokomo, Howard County, Indiana, with 35,697 residents across 138.1 square miles, a density of 259 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46902 reports a modest median household income of $62,126 (16% below the average Indiana ZIP), while per-capita income is $36,632. The poverty rate is 13.7%, with unemployment at 3.7%; those measures add context to the income figure. Median home value is $168,800 (13% below the average Indiana ZIP) and median rent is $955; 67.0% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 21.4% of adults hold a bachelor's degree or higher, the median age is 40.1, and the average commute is 19 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 3 more in Howard County, so 46902 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 46902
Top 5 sectors by establishment count in Kokomo, IN
Which industries have the most business establishments in ZIP 46902.
- Health care and social assistance
Health care and social assistance
173 establishments
- Retail trade
Retail trade
138 establishments
- Accommodation and food services
Accommodation and food services
101 establishments
- Other services (except public administration)
Other services (except public administration)
96 establishments
- Finance and insurance
Finance and insurance
72 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 46902, Kokomo, 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
35,697
Population
138.1
Area (sq mi)
259
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46902?
40.1
Median Age
46.7%
Male
53.3%
Female
3.2%
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?
$62,126
Median Household Income
-16% vs state ZIP avg
$36,632
Per Capita Income
13.7%
Poverty Rate
3.7%
Unemployment Rate
19.4 min
Mean Commute Time
How ZIP 46902 ranks nationally
Kokomo, IN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$62,126 33rd percentile higher than 33% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
18,253housing units
18,253
Total Housing Units
16,457
Occupied Units
1,796
Vacant Units
2.24
Avg Household Size
Occupancy Type
$168,800
Median Home Value
-13% vs state ZIP avg
$955
Median Rent
1974
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
+4.8%
YoY Change (2024)
178
HPI Index (2000 = 100)
+78%
Total Change Since 2000
Home values in ZIP 46902 have increased 4.8% over the past year (2024). Since 2000, this ZIP has seen +78% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.8% | 119 |
| 2021 | +11.7% | 133 |
| 2022 | +14.9% | 153 |
| 2023 | +10.7% | 169 |
| 2024 | +4.8% | 178 |
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 813 business establishments in ZIP 46902, employing approximately 16,731 people with a combined annual payroll of $974,778,000.
813
Businesses
16,731
Employees
$974.8M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 173 | 21.3% |
| Retail trade | 138 | 17.0% |
| Accommodation and food services | 101 | 12.4% |
| Other services (except public administration) | 96 | 11.8% |
| Finance and insurance | 72 | 8.9% |
| Professional, scientific, and technical services | 43 | 5.3% |
| Construction | 38 | 4.7% |
| Administrative and support and waste management and remediation services | 33 | 4.1% |
| Real estate and rental and leasing | 31 | 3.8% |
| Manufacturing | 23 | 2.8% |
| Arts, entertainment, and recreation | 15 | 1.9% |
| Wholesale trade | 14 | 1.7% |
| Information | 11 | 1.4% |
| Educational services | 8 | 1.0% |
| Transportation and warehousing | 7 | 0.9% |
| Utilities | 5 | 0.6% |
| Management of companies and enterprises | 4 | 0.5% |
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 46902 vs 46068 →
ZIP 46902 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46901
Kokomo (46901)
37,633 residents
- 46902
Kokomo (46902)
35,697 residents
- 46068 2,850
Sharpsville (46068)
2,850 residents
- 46049 850
Kempton (46049)
850 residents
- 46045 93
Goldsmith (46045)
93 residents
What this shows Among its immediate neighbors, ZIP 46902 ranks #2 by population - useful context the national average alone can't give.
ZIP 46902 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46045
Goldsmith (46045)
$160,912 median income
- 46068
Sharpsville (46068)
$98,708 median income
- 46049
Kempton (46049)
$83,594 median income
- 46902 $62,126
Kokomo (46902)
$62,126 median income
- 46901 $60,495
Kokomo (46901)
$60,495 median income
What this shows By household income, ZIP 46902 ranks #4 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46902, 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 (35,697 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Howard County
Related Areas
Frequently Asked Questions
What county is ZIP code 46902 in?
ZIP code 46902 (Kokomo) is located in Howard County, Indiana. Howard County contains multiple ZIP codes, see the full list at /counties/howard-in.
What is the population of ZIP code 46902?
ZIP code 46902 in Kokomo, IN has a population of 35,697 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46902?
The median household income in ZIP 46902 is $62,126, which is 19% below the national average of $76,288.
What is the average home value in ZIP 46902?
The median home value in ZIP 46902 is $168,800, which is 39% below the national average of $278,155.
What is the demographic makeup of ZIP 46902?
The largest racial group in ZIP 46902 is White at 83.2%. Hispanic or Latino residents make up 3.3% of the population.
How many businesses are in ZIP code 46902?
ZIP code 46902 has 813 business establishments employing approximately 16,731 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46902?
The top industries by establishment count in ZIP 46902 are: Health care and social assistance (173), Retail trade (138), Accommodation and food services (101). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 46902?
According to the FHFA House Price Index, home values in ZIP 46902 increased by 4.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 78%. 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 46902?
In ZIP code 46902, 58.9% of residents aged 25+ have a high school diploma or higher, and 21.4% 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 46902?
The mean commute time for workers in ZIP code 46902 is 19.4 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 46902?
In ZIP code 46902, approximately 67.0% of occupied housing units are owner-occupied and 33.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46902?
The poverty rate in ZIP code 46902 is 13.7% 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 46902's numbers, next.
- See how ZIP 46902 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Kokomo, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.