PlainZIP

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
$57,842
Median income
$118,700
Median home value
16.7%
Bachelor's or higher

The verdict

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.

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 Indiana average), while per-capita income is $30,917. 16.6% of residents live below the poverty line, and the unemployment rate reads 6.9%. Housing costs here run $118,700 for a typical home value (39% below the state average), with rent averaging $853 a month; 71.5% of homes are owner-occupied.

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. A geography-based comparison follows: 7 ZIP codes within about 10 miles of 46970, plus 6 more within Miami County, give a clearer read than the national average alone.

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.

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 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

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 46970?

41.7

Median Age

51.6%

Male

48.4%

Female

1.2%

Foreign-Born

White 88.5%
African American 2.7%
Asian 0.1%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.4%
Two or More Ethnicities 6.2%
Hispanic or Latino 4.8%

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

$30,917

Per Capita Income

16.6%

Poverty Rate

6.9%

Unemployment Rate

24.2 min

Mean Commute Time

How ZIP 46970 ranks nationally

Peru, IN household income vs. every US ZIP code

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

$57,842 25th percentile higher than 25% 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 57.5%
Bachelor's Degree or Higher 16.7%

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

What does housing look like?

10,251

Total Housing Units

9,018

Occupied Units

1,233

Vacant Units

2.46

Avg Household Size

Occupancy Type

Owner 71.5%
Renter 28.5%

$118,700

Median Home Value

-39% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 46970 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 46970 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 46970 ranks #7 of 7 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
46958 Mexico, IN 460 5.1 mi
46926 Denver, IN 1,708 8.5 mi
46961 New Waverly, IN 99 6.7 mi
46914 Bunker Hill, IN 4,908 9.1 mi
46959 Miami, IN 231 9.9 mi
46967 Onward, IN 98 8.3 mi
46911 Amboy, IN 1,439 10.9 mi

More ZIP Codes in Miami County

46914 standard
Bunker Hill, IN
Pop: 4,908
46919 standard
Converse, IN
Pop: 2,390
46951 standard
Macy, IN
Pop: 2,170
46926 standard
Denver, IN
Pop: 1,708
46911 standard
Amboy, IN
Pop: 1,439
46958 standard
Mexico, IN
Pop: 460

Related Areas

Miami County Peru, IN Indiana

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.

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