PlainZIP

Silver Lake, IN · standard

ZIP Code 46982

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

2,573
24/sq mi
$79,688
Median income
$190,400
Median home value
18.8%
Bachelor's or higher

The verdict

Silver Lake pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.

Top 38%
household income, US ZIPs
41th pct
home value, US ZIPs
24
people per sq mi
89%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46982 against every reporting US ZIP.

ZIP code 46982 covers 107.7 square miles in Silver Lake, Kosciusko County, Indiana (a standard USPS delivery area), with a modest 2,573 residents on file, a density of 24 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46982 lands in the middle-income range, with a median household income of $79,688 (8% above the Indiana average), while per-capita income is $38,217. The poverty rate stands at 12.1% and the unemployment rate at 1.8%. Median home value sits at $190,400 (2% below the state average), median rent at $1,159 a month, and owner-occupancy at 88.5%.

Educational attainment sits below the national norm: 18.8% of adults hold a bachelor's degree or higher, the median age is 51.3, and the average commute is 29 minutes. Beyond these figures, 7 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Kosciusko County, letting you compare 46982 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 46982

Top 5 sectors by establishment count in Silver Lake, IN

Which industries have the most business establishments in ZIP 46982.

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 46982, Silver Lake, 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

2,573

Population

107.7

Area (sq mi)

24

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 46982?

51.3

Median Age

51.2%

Male

48.8%

Female

2.5%

Foreign-Born

White 98.0%
African American 0.0%
Asian 0.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.1%
Hispanic or Latino 0.6%

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?

$79,688

Median Household Income

+8% vs state

$38,217

Per Capita Income

12.1%

Poverty Rate

1.8%

Unemployment Rate

28.8 min

Mean Commute Time

How ZIP 46982 ranks nationally

Silver Lake, IN household income vs. every US ZIP code

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

$79,688 Top 38% higher than 62% 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 70.2%
Bachelor's Degree or Higher 18.8%

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

What does housing look like?

1,423

Total Housing Units

1,087

Occupied Units

336

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 88.5%
Renter 11.5%

$190,400

Median Home Value

-2% vs state

$1,159

Median Rent

1981

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

-15.0%

YoY Change (2024)

202

HPI Index (2000 = 100)

+102%

Total Change Since 2000

Home values in ZIP 46982 have decreased 15.0% over the past year (2024). Since 2000, this ZIP has seen +102% cumulative appreciation.

Year Annual Change HPI Index
2020 -3.4% 144
2021 +18.9% 171
2022 +9.0% 186
2023 +27.6% 238
2024 -15.0% 202

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 51 business establishments in ZIP 46982, employing approximately 471 people with a combined annual payroll of $20,485,000.

51

Businesses

471

Employees

$20.5M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Construction 10 19.6%
Retail trade 8 15.7%
Manufacturing 6 11.8%
Transportation and warehousing 6 11.8%
Professional, scientific, and technical services 4 7.8%
Accommodation and food services 4 7.8%
Wholesale trade 3 5.9%
Administrative and support and waste management and remediation services 3 5.9%
Other services (except public administration) 3 5.9%

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 46982 vs 46510 →

ZIP 46982 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 46982 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 46982 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 46982 ranks #2 of 8 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
46510 Claypool, IN 3,631 4.3 mi
46943 Laketon, IN 247 6.4 mi
46974 Roann, IN 1,699 7.9 mi
46580 Warsaw, IN 21,338 10.4 mi
46508 Burket, IN 217 7.8 mi
46962 North Manchester, IN 9,728 8.0 mi
46539 Mentone, IN 2,298 10.3 mi

More ZIP Codes in Kosciusko County

46580 standard
Warsaw, IN
Pop: 21,338
46582 standard
Warsaw, IN
Pop: 12,378
46567 standard
Syracuse, IN
Pop: 9,405
46590 standard
Winona Lake, IN
Pop: 4,908
46562 standard
Pierceton, IN
Pop: 4,788
46542 standard
Milford, IN
Pop: 4,198

Related Areas

Kosciusko County Silver Lake, IN Indiana

Frequently Asked Questions

What county is ZIP code 46982 in? ▼
ZIP code 46982 (Silver Lake) is located in Kosciusko County, Indiana. Kosciusko County contains multiple ZIP codes, see the full list at /counties/kosciusko-in.
What is the population of ZIP code 46982? ▼
ZIP code 46982 in Silver Lake, IN has a population of 2,573 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46982? ▼
The median household income in ZIP 46982 is $79,688, which is 4% above the national average of $76,288.
What is the average home value in ZIP 46982? ▼
The median home value in ZIP 46982 is $190,400, which is 32% below the national average of $278,155.
What is the demographic makeup of ZIP 46982? ▼
The largest racial group in ZIP 46982 is White at 98.0%. Hispanic or Latino residents make up 0.6% of the population.
How many businesses are in ZIP code 46982? ▼
ZIP code 46982 has 51 business establishments employing approximately 471 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46982? ▼
The top industries by establishment count in ZIP 46982 are: Construction (10), Retail trade (8), Manufacturing (6). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 46982? ▼
According to the FHFA House Price Index, home values in ZIP 46982 decreased by 15.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 102%. 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 46982? ▼
In ZIP code 46982, 70.2% of residents aged 25+ have a high school diploma or higher, and 18.8% 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 46982? ▼
The mean commute time for workers in ZIP code 46982 is 28.8 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 46982? ▼
In ZIP code 46982, approximately 88.5% of occupied housing units are owner-occupied and 11.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46982? ▼
The poverty rate in ZIP code 46982 is 12.1% 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.