PlainZIP

Rochester, IN · standard

ZIP Code 46975

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

14,691
26/sq mi
$61,185
Median income
$157,600
Median home value
16.8%
Bachelor's or higher

The verdict

Rochester pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

31th pct
household income, US ZIPs
28th pct
home value, US ZIPs
26
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46975 against every reporting US ZIP.

ZIP code 46975 is a mid-sized community (a standard USPS delivery area) in Rochester, Fulton County, Indiana, home to 14,691 residents across 560.7 square miles, a density of 26 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46975 reports a modest median household income of $61,185 (17% below the Indiana average), while per-capita income is $35,721. 12.5% of residents live below the poverty line, and the unemployment rate reads 6.2%. Median home value sits at $157,600 (19% below the state average), median rent at $835 a month, and owner-occupancy at 78.7%.

Educational attainment sits below the national norm: 16.8% of adults hold a bachelor's degree or higher, the median age is 44.4, and the average commute is 21 minutes. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 5 more sharing Fulton County, letting you compare 46975 to its immediate surroundings rather than a national baseline 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 46975

Top 5 sectors by establishment count in Rochester, IN

Which industries have the most business establishments in ZIP 46975.

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 46975, Rochester, 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

14,691

Population

560.7

Area (sq mi)

26

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 46975?

44.4

Median Age

49.5%

Male

50.5%

Female

1.1%

Foreign-Born

White 91.5%
African American 0.5%
Asian 0.1%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.0%
Hispanic or Latino 3.9%

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?

$61,185

Median Household Income

-17% vs state

$35,721

Per Capita Income

12.5%

Poverty Rate

6.2%

Unemployment Rate

21.2 min

Mean Commute Time

How ZIP 46975 ranks nationally

Rochester, IN household income vs. every US ZIP code

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

$61,185 31st percentile higher than 31% 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 62.1%
Bachelor's Degree or Higher 16.8%

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

What does housing look like?

6,688

Total Housing Units

5,765

Occupied Units

923

Vacant Units

2.37

Avg Household Size

Occupancy Type

Owner 78.7%
Renter 21.3%

$157,600

Median Home Value

-19% vs state

$835

Median Rent

1968

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)

214

HPI Index (2000 = 100)

+114%

Total Change Since 2000

Home values in ZIP 46975 have increased 11.9% over the past year (2024). Since 2000, this ZIP has seen +114% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.9% 144
2021 +14.4% 165
2022 +8.2% 178
2023 +7.7% 192
2024 +11.9% 214

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 372 business establishments in ZIP 46975, employing approximately 4,825 people with a combined annual payroll of $225,797,000.

372

Businesses

4,825

Employees

$225.8M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 74 19.9%
Other services (except public administration) 55 14.8%
Health care and social assistance 44 11.8%
Construction 40 10.8%
Accommodation and food services 38 10.2%
Manufacturing 28 7.5%
Finance and insurance 22 5.9%
Professional, scientific, and technical services 17 4.6%
Transportation and warehousing 15 4.0%
Administrative and support and waste management and remediation services 12 3.2%
Wholesale trade 11 3.0%
Real estate and rental and leasing 7 1.9%
Utilities 3 0.8%
Arts, entertainment, and recreation 3 0.8%

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 46975 vs 46931 →

ZIP 46975 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 46975 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 46975 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 46975 ranks the highest 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
46931 Fulton, IN 188 8.6 mi
46570 Tippecanoe, IN 1,060 11.5 mi
46951 Macy, IN 2,170 11.6 mi

More ZIP Codes in Fulton County

46511 standard
Culver, IN
Pop: 4,435
46910 standard
Akron, IN
Pop: 3,360
46939 standard
Kewanna, IN
Pop: 2,101
46931 standard
Fulton, IN
Pop: 188
46922 standard
Delong, IN
Pop: 61

Related Areas

Fulton County Rochester, IN Indiana

Frequently Asked Questions

What county is ZIP code 46975 in? ▼
ZIP code 46975 (Rochester) is located in Fulton County, Indiana. Fulton County contains multiple ZIP codes, see the full list at /counties/fulton-in.
What is the population of ZIP code 46975? ▼
ZIP code 46975 in Rochester, IN has a population of 14,691 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46975? ▼
The median household income in ZIP 46975 is $61,185, which is 20% below the national average of $76,288.
What is the average home value in ZIP 46975? ▼
The median home value in ZIP 46975 is $157,600, which is 43% below the national average of $278,155.
What is the demographic makeup of ZIP 46975? ▼
The largest racial group in ZIP 46975 is White at 91.5%. Hispanic or Latino residents make up 3.9% of the population.
How many businesses are in ZIP code 46975? ▼
ZIP code 46975 has 372 business establishments employing approximately 4,825 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46975? ▼
The top industries by establishment count in ZIP 46975 are: Retail trade (74), Other services (except public administration) (55), Health care and social assistance (44). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 46975? ▼
According to the FHFA House Price Index, home values in ZIP 46975 increased by 11.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 114%. 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 46975? ▼
In ZIP code 46975, 62.1% of residents aged 25+ have a high school diploma or higher, and 16.8% 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 46975? ▼
The mean commute time for workers in ZIP code 46975 is 21.2 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 46975? ▼
In ZIP code 46975, approximately 78.7% of occupied housing units are owner-occupied and 21.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46975? ▼
The poverty rate in ZIP code 46975 is 12.5% 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.