PlainZIP

Monterey, IN · standard

ZIP Code 46960

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

1,218
11/sq mi
$45,625
Median income
$151,000
Median home value
20.1%
Bachelor's or higher

The verdict

Monterey pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

10th pct
household income, US ZIPs
26th pct
home value, US ZIPs
11
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46960 against every reporting US ZIP.

ZIP code 46960 is a sparsely populated ZIP (a standard USPS delivery area) in Monterey, Pulaski County, Indiana, home to just 1,218 residents across 107.8 square miles, a density of 11 people per square mile, in the Indiana/Winamac time zone.

ZIP 46960 reports a modest median household income of $45,625 (38% below the Indiana average), while per-capita income is $27,475. The poverty rate stands at 25.0% and the unemployment rate at 1.4%. Housing costs here run $151,000 for a typical home value (22% below the state average), with rent averaging - a month; 79.4% of homes are owner-occupied.

Educational attainment sits below the national norm: 20.1% of adults hold a bachelor's degree or higher, the median age is 51, and the average commute is -. To put 46960 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 4 additional ZIPs in Pulaski 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 46960, Monterey, 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

1,218

Population

107.8

Area (sq mi)

11

People / sq mi

Indiana/Winamac

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 46960?

51.0

Median Age

56.4%

Male

43.6%

Female

0.0%

Foreign-Born

White 86.8%
African American 2.6%
Asian 0.0%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.2%
Hispanic or Latino 5.9%

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?

$45,625

Median Household Income

-38% vs state

$27,475

Per Capita Income

25.0%

Poverty Rate

1.4%

Unemployment Rate

How ZIP 46960 ranks nationally

Monterey, IN household income vs. every US ZIP code

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

$45,625 10th percentile higher than 10% 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 55.6%
Bachelor's Degree or Higher 20.1%

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

What does housing look like?

536

Total Housing Units

428

Occupied Units

108

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 79.4%
Renter 20.6%

$151,000

Median Home Value

-22% vs state

1975

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 15 business establishments in ZIP 46960, employing approximately 89 people with a combined annual payroll of $5,298,000.

15

Businesses

89

Employees

$5.3M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Construction 3 20.0%
Transportation and warehousing 3 20.0%

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 46960 vs 46968 →

ZIP 46960 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 46960 ranks #4 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 46960 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 46960 ranks #4 of 4 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
46968 Ora, IN 73 1.6 mi
46922 Delong, IN 61 6.2 mi
46511 Culver, IN 4,435 6.9 mi
46534 Knox, IN 11,263 10.0 mi
46996 Winamac, IN 7,139 9.4 mi

More ZIP Codes in Pulaski County

46996 standard
Winamac, IN
Pop: 7,139
47946 standard
Francesville, IN
Pop: 2,044
47957 standard
Medaryville, IN
Pop: 1,894
46985 standard
Star City, IN
Pop: 1,441

Related Areas

Pulaski County Monterey, IN Indiana

Frequently Asked Questions

What county is ZIP code 46960 in? ▼
ZIP code 46960 (Monterey) is located in Pulaski County, Indiana. Pulaski County contains multiple ZIP codes, see the full list at /counties/pulaski-in.
What is the population of ZIP code 46960? ▼
ZIP code 46960 in Monterey, IN has a population of 1,218 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46960? ▼
The median household income in ZIP 46960 is $45,625, which is 40% below the national average of $76,288.
What is the average home value in ZIP 46960? ▼
The median home value in ZIP 46960 is $151,000, which is 46% below the national average of $278,155.
What is the demographic makeup of ZIP 46960? ▼
The largest racial group in ZIP 46960 is White at 86.8%. Hispanic or Latino residents make up 5.9% of the population.
How many businesses are in ZIP code 46960? ▼
ZIP code 46960 has 15 business establishments employing approximately 89 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 46960? ▼
In ZIP code 46960, 55.6% of residents aged 25+ have a high school diploma or higher, and 20.1% 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 46960? ▼
In ZIP code 46960, approximately 79.4% of occupied housing units are owner-occupied and 20.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46960? ▼
The poverty rate in ZIP code 46960 is 25.0% 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.