Peru, IN · standard
ZIP Code 46970
Miami County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 23,766
- 50/sq mi Moderate-density area
- $57,842
- Median income Below-median income area
- $118,700
- Median home value Below-median home value
- 16.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Peru pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 25th pct
- household income, US ZIPs
- 16th pct
- home value, US ZIPs
- 50
- people per sq mi
- 72%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46970 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 46970 (Peru, IN) rose +11.9% from 2023 to 2024. The all-transactions index moved from 165.2 in 2023 to 184.8 in 2024 (2000 = 100).
ZIP code 46970 is a densely settled ZIP (a standard USPS delivery area) in Peru, Miami County, Indiana, with 23,766 residents across 479.2 square miles, a density of 50 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46970 reports a modest median household income of $57,842 (21% below the average Indiana ZIP), while per-capita income is $30,917. The poverty rate is 16.6%, with unemployment at 6.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $118,700 (39% below the average Indiana ZIP), and median rent is $853; owner occupancy is 71.5%.
Educational attainment sits below the national norm: 16.7% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 24 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Miami County, so 46970 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 46970
Top 5 sectors by establishment count in Peru, IN
Which industries have the most business establishments in ZIP 46970.
- Retail trade
Retail trade
69 establishments
- Other services (except public administration)
Other services (except public administration)
59 establishments
- Accommodation and food services
Accommodation and food services
48 establishments
- Health care and social assistance
Health care and social assistance
45 establishments
- Construction
Construction
39 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 46970, Peru, 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
23,766
Population
479.2
Area (sq mi)
50
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46970?
41.7
Median Age
51.6%
Male
48.4%
Female
1.2%
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?
$57,842
Median Household Income
-21% vs state ZIP avg
$30,917
Per Capita Income
16.6%
Poverty Rate
6.9%
Unemployment Rate
24.2 min
Mean Commute Time
How ZIP 46970 ranks among Indiana ZIPs
Peru, 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)
$57,842 21st percentile higher than 21% 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
10,251housing units
10,251
Total Housing Units
9,018
Occupied Units
1,233
Vacant Units
2.46
Avg Household Size
Occupancy Type
$118,700
Median Home Value
-39% vs state ZIP avg
$853
Median Rent
1958
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
+11.9%
YoY Change (2024)
185
HPI Index (2000 = 100)
+85%
Total Change Since 2000
Home values in ZIP 46970 have increased 11.9% over the past year (2024). Since 2000, this ZIP has seen +85% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.8% | 123 |
| 2021 | +12.6% | 138 |
| 2022 | +16.2% | 160 |
| 2023 | +3.0% | 165 |
| 2024 | +11.9% | 185 |
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 436 business establishments in ZIP 46970, employing approximately 5,179 people with a combined annual payroll of $218,450,000.
436
Businesses
5,179
Employees
$218.4M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 69 | 15.8% |
| Other services (except public administration) | 59 | 13.5% |
| Accommodation and food services | 48 | 11.0% |
| Health care and social assistance | 45 | 10.3% |
| Construction | 39 | 8.9% |
| Finance and insurance | 30 | 6.9% |
| Manufacturing | 24 | 5.5% |
| Wholesale trade | 23 | 5.3% |
| Real estate and rental and leasing | 20 | 4.6% |
| Administrative and support and waste management and remediation services | 18 | 4.1% |
| Professional, scientific, and technical services | 17 | 3.9% |
| Transportation and warehousing | 15 | 3.4% |
| Arts, entertainment, and recreation | 12 | 2.8% |
| Information | 6 | 1.4% |
| Agriculture, forestry, fishing and hunting | 3 | 0.7% |
| Mining, quarrying, and oil and gas extraction | 3 | 0.7% |
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 46970 vs 46958 →
ZIP 46970 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46970
Peru (46970)
23,766 residents
- 46914 4,908
Bunker Hill (46914)
4,908 residents
- 46926 1,708
Denver (46926)
1,708 residents
- 46911 1,439
Amboy (46911)
1,439 residents
- 46958 460
Mexico (46958)
460 residents
- 46959 231
Miami (46959)
231 residents
- 46961 99
New Waverly (46961)
99 residents
- 46967 98
Onward (46967)
98 residents
What this shows Among its immediate neighbors, ZIP 46970 ranks the most populous - useful context the national average alone can't give.
ZIP 46970 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46961
New Waverly (46961)
$110,400 median income
- 46911
Amboy (46911)
$95,122 median income
- 46958
Mexico (46958)
$87,640 median income
- 46959
Miami (46959)
$78,750 median income
- 46926
Denver (46926)
$68,218 median income
- 46914
Bunker Hill (46914)
$63,902 median income
- 46970
Peru (46970)
$57,842 median income
What this shows By household income, ZIP 46970 ranks #7 of 7 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 46970, 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 (23,766 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Miami County
Related Areas
Frequently Asked Questions
What county is ZIP code 46970 in?
ZIP code 46970 (Peru) is located in Miami County, Indiana. Miami County contains multiple ZIP codes, see the full list at /counties/miami-in.
What is the population of ZIP code 46970?
ZIP code 46970 in Peru, IN has a population of 23,766 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46970?
The median household income in ZIP 46970 is $57,842, which is 24% below the national average of $76,288.
What is the average home value in ZIP 46970?
The median home value in ZIP 46970 is $118,700, which is 57% below the national average of $278,155.
What is the demographic makeup of ZIP 46970?
The largest racial group in ZIP 46970 is White at 88.5%. Hispanic or Latino residents make up 4.8% of the population.
How many businesses are in ZIP code 46970?
ZIP code 46970 has 436 business establishments employing approximately 5,179 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46970?
The top industries by establishment count in ZIP 46970 are: Retail trade (69), Other services (except public administration) (59), Accommodation and food services (48). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46970?
According to the FHFA House Price Index, home values in ZIP 46970 increased by 11.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 85%. 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 46970?
In ZIP code 46970, 57.5% of residents aged 25+ have a high school diploma or higher, and 16.7% 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 46970?
The mean commute time for workers in ZIP code 46970 is 24.2 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 46970?
In ZIP code 46970, approximately 71.5% of occupied housing units are owner-occupied and 28.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46970?
The poverty rate in ZIP code 46970 is 16.6% 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 46970's numbers, next.
- See how ZIP 46970 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Peru, 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.