PlainZIP

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
$62,126
Median income
$168,800
Median home value
21.4%
Bachelor's or higher

The verdict

Kokomo pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.

33th 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.

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 Indiana average), while per-capita income is $36,632. 13.7% of residents live below the poverty line, and the unemployment rate reads 3.7%. The typical home here is valued at $168,800 (13% below the state average); renters pay a median of $955 monthly, and 67.0% of units 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. To put 46902 in local context, 4 ZIP codes within roughly 10 miles appear further down this page alongside 3 additional ZIPs in Howard County, for a geography-aware comparison.

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.

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 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

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 46902?

40.1

Median Age

46.7%

Male

53.3%

Female

3.2%

Foreign-Born

White 83.2%
African American 8.0%
Asian 2.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.9%
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?

$62,126

Median Household Income

-16% vs state

$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

$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 58.9%
Bachelor's Degree or Higher 21.4%

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

What does housing look like?

18,253

Total Housing Units

16,457

Occupied Units

1,796

Vacant Units

2.24

Avg Household Size

Occupancy Type

Owner 67.0%
Renter 33.0%

$168,800

Median Home Value

-13% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 46902 ranks #2 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 46902 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 46902 ranks #4 of 5 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
46068 Sharpsville, IN 2,850 4.3 mi
46901 Kokomo, IN 37,633 6.8 mi
46045 Goldsmith, IN 93 10.7 mi
46049 Kempton, IN 850 11.7 mi

More ZIP Codes in Howard County

46901 standard
Kokomo, IN
Pop: 37,633
46936 standard
Greentown, IN
Pop: 5,922
46979 standard
Russiaville, IN
Pop: 4,733

Related Areas

Howard County Kokomo, IN Indiana

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.

Read our methodology to see how this data is sourced, computed, and verified.