PlainZIP

Lucerne, IN · standard

ZIP Code 46950

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

643
9/sq mi
$48,816
Median income
$110,100
Median home value
8.4%
Bachelor's or higher

The verdict

Lucerne pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

13th pct
household income, US ZIPs
13th pct
home value, US ZIPs
9
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46950 against every reporting US ZIP.

ZIP code 46950 is a sparsely populated ZIP (a standard USPS delivery area) in Lucerne, Cass County, Indiana, home to just 643 residents across 73.1 square miles, a density of 9 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46950 reports a modest median household income of $48,816 (34% below the Indiana average), while per-capita income is $32,007. Poverty here runs at 7.6%, with unemployment measured at 0.0%. Housing costs here run $110,100 for a typical home value (43% below the state average), with rent averaging $850 a month; 90.3% of homes are owner-occupied.

Formal educational attainment runs low here: just 8.4% of adults hold a bachelor's degree or higher, the median age is 52.9, and the average commute is -. To put 46950 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Cass 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 →

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 46950, Lucerne, 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

643

Population

73.1

Area (sq mi)

9

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 46950?

52.9

Median Age

40.1%

Male

59.9%

Female

1.3%

Foreign-Born

White 100.0%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.0%
Hispanic or Latino 0.0%

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?

$48,816

Median Household Income

-34% vs state

$32,007

Per Capita Income

7.6%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 46950 ranks nationally

Lucerne, IN household income vs. every US ZIP code

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

$48,816 13th percentile higher than 13% 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%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $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 52.3%
Bachelor's Degree or Higher 8.4%

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

What does housing look like?

271

Total Housing Units

248

Occupied Units

23

Vacant Units

1.85

Avg Household Size

Occupancy Type

Owner 90.3%
Renter 9.7%

$110,100

Median Home Value

-43% vs state

$850

Median Rent

1938

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 8 business establishments in ZIP 46950, employing approximately 69 people with a combined annual payroll of $2,408,000.

8

Businesses

69

Employees

$2.4M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 3 37.5%

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 46950 vs 46947 →

ZIP 46950 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 46950 ranks #5 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 46950 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 46950 ranks #4 of 6 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
46947 Logansport, IN 28,866 8.5 mi
46939 Kewanna, IN 2,101 7.7 mi
46988 Twelve Mile, IN 823 7.2 mi
46978 Royal Center, IN 2,059 7.6 mi
46931 Fulton, IN 188 7.2 mi

More ZIP Codes in Cass County

46947 standard
Logansport, IN
Pop: 28,866
46932 standard
Galveston, IN
Pop: 3,448
46994 standard
Walton, IN
Pop: 2,684
46978 standard
Royal Center, IN
Pop: 2,059
46988 standard
Twelve Mile, IN
Pop: 823
46998 standard
Young America, IN
Pop: 112

Related Areas

Cass County Lucerne, IN Indiana

Frequently Asked Questions

What county is ZIP code 46950 in? ▼
ZIP code 46950 (Lucerne) is located in Cass County, Indiana. Cass County contains multiple ZIP codes, see the full list at /counties/cass-in.
What is the population of ZIP code 46950? ▼
ZIP code 46950 in Lucerne, IN has a population of 643 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46950? ▼
The median household income in ZIP 46950 is $48,816, which is 36% below the national average of $76,288.
What is the average home value in ZIP 46950? ▼
The median home value in ZIP 46950 is $110,100, which is 60% below the national average of $278,155.
What is the demographic makeup of ZIP 46950? ▼
The largest racial group in ZIP 46950 is White at 100.0%.
How many businesses are in ZIP code 46950? ▼
ZIP code 46950 has 8 business establishments employing approximately 69 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 46950? ▼
In ZIP code 46950, 52.3% of residents aged 25+ have a high school diploma or higher, and 8.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 46950? ▼
In ZIP code 46950, approximately 90.3% of occupied housing units are owner-occupied and 9.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46950? ▼
The poverty rate in ZIP code 46950 is 7.6% 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.