PlainZIP

Royal Center, IN · standard

ZIP Code 46978

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

2,059
13/sq mi
$78,750
Median income
$130,000
Median home value
19.0%
Bachelor's or higher

The verdict

Royal Center pairs an above-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

Top 40%
household income, US ZIPs
20th pct
home value, US ZIPs
13
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46978 against every reporting US ZIP.

ZIP code 46978 covers 164.7 square miles in Royal Center, Cass County, Indiana (a standard USPS delivery area), with a modest 2,059 residents on file, a density of 13 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46978 lands in the middle-income range, with a median household income of $78,750 (7% above the Indiana average), while per-capita income is $32,171. Poverty here runs at 6.5%, with unemployment measured at 3.0%. Median home value sits at $130,000 (33% below the state average), median rent at $828 a month, and owner-occupancy at 86.0%.

Educational attainment sits below the national norm: 19.0% of adults hold a bachelor's degree or higher, the median age is 41.5, and the average commute is 33 minutes. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 46978, plus 6 more within Cass 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 46978

Top 5 sectors by establishment count in Royal Center, IN

Which industries have the most business establishments in ZIP 46978.

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 46978, Royal Center, 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

2,059

Population

164.7

Area (sq mi)

13

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 46978?

41.5

Median Age

49.4%

Male

50.6%

Female

1.9%

Foreign-Born

White 91.5%
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 8.4%
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?

$78,750

Median Household Income

+7% vs state

$32,171

Per Capita Income

6.5%

Poverty Rate

3.0%

Unemployment Rate

32.5 min

Mean Commute Time

How ZIP 46978 ranks nationally

Royal Center, IN household income vs. every US ZIP code

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

$78,750 Top 40% higher than 60% 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 60.1%
Bachelor's Degree or Higher 19.0%

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

What does housing look like?

977

Total Housing Units

826

Occupied Units

151

Vacant Units

2.46

Avg Household Size

Occupancy Type

Owner 86.0%
Renter 14.0%

$130,000

Median Home Value

-33% vs state

$828

Median Rent

1949

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 27 business establishments in ZIP 46978, employing approximately 196 people with a combined annual payroll of $8,055,000.

27

Businesses

196

Employees

$8.1M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Other services (except public administration) 5 18.5%
Construction 4 14.8%
Retail trade 4 14.8%
Professional, scientific, and technical services 3 11.1%
Accommodation and food services 3 11.1%

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 46978 vs 46985 →

ZIP 46978 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 46978 ranks #3 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 46978 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 46978 ranks the highest 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
46985 Star City, IN 1,441 7.5 mi
47926 Burnettsville, IN 1,097 7.1 mi
46950 Lucerne, IN 643 7.6 mi
47950 Idaville, IN 912 8.3 mi
46947 Logansport, IN 28,866 9.8 mi
46939 Kewanna, IN 2,101 11.0 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
46988 standard
Twelve Mile, IN
Pop: 823
46950 standard
Lucerne, IN
Pop: 643
46998 standard
Young America, IN
Pop: 112

Related Areas

Cass County Royal Center, IN Indiana

Frequently Asked Questions

What county is ZIP code 46978 in? ▼
ZIP code 46978 (Royal Center) 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 46978? ▼
ZIP code 46978 in Royal Center, IN has a population of 2,059 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46978? ▼
The median household income in ZIP 46978 is $78,750, which is 3% above the national average of $76,288.
What is the average home value in ZIP 46978? ▼
The median home value in ZIP 46978 is $130,000, which is 53% below the national average of $278,155.
What is the demographic makeup of ZIP 46978? ▼
The largest racial group in ZIP 46978 is White at 91.5%.
How many businesses are in ZIP code 46978? ▼
ZIP code 46978 has 27 business establishments employing approximately 196 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46978? ▼
The top industries by establishment count in ZIP 46978 are: Other services (except public administration) (5), Construction (4), Retail trade (4). There are 5 industry sectors represented in total.
What is the education level in ZIP code 46978? ▼
In ZIP code 46978, 60.1% of residents aged 25+ have a high school diploma or higher, and 19.0% 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 46978? ▼
The mean commute time for workers in ZIP code 46978 is 32.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46978? ▼
In ZIP code 46978, approximately 86.0% of occupied housing units are owner-occupied and 14.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46978? ▼
The poverty rate in ZIP code 46978 is 6.5% 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.