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 Moderate-density area
- $79,688
- Median income Near-median income area
- $190,400
- Median home value Near-median home value
- 18.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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
- 41st 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46982 (Silver Lake, IN) fell -15.0% from 2023 to 2024. The all-transactions index moved from 237.7 in 2023 to 202.2 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $38,217. The poverty rate is 12.1%, with unemployment at 1.8%; those measures add context to the income figure. Median home value is $190,400 (2% below the average Indiana ZIP) and median rent is $1,159; 88.5% of occupied homes are owner-occupied.
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. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Kosciusko County, so 46982 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 46982
Top 5 sectors by establishment count in Silver Lake, IN
Which industries have the most business establishments in ZIP 46982.
- Construction
Construction
10 establishments
- Retail trade
Retail trade
8 establishments
- Manufacturing
Manufacturing
6 establishments
- Transportation and warehousing
Transportation and warehousing
6 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
4 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 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
Who lives in ZIP 46982?
51.3
Median Age
51.2%
Male
48.8%
Female
2.5%
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?
$79,688
Median Household Income
+8% vs state ZIP avg
$38,217
Per Capita Income
12.1%
Poverty Rate
1.8%
Unemployment Rate
28.8 min
Mean Commute Time
How ZIP 46982 ranks among Indiana ZIPs
Silver Lake, 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)
$79,688 Top 31% higher than 69% 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
1,423housing units
1,423
Total Housing Units
1,087
Occupied Units
336
Vacant Units
2.38
Avg Household Size
Occupancy Type
$190,400
Median Home Value
-2% vs state ZIP avg
$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.
- 46580
Warsaw (46580)
21,338 residents
- 46962
North Manchester (46962)
9,728 residents
- 46510 3,631
Claypool (46510)
3,631 residents
- 46982 2,573
Silver Lake (46982)
2,573 residents
- 46539 2,298
Mentone (46539)
2,298 residents
- 46974 1,699
Roann (46974)
1,699 residents
- 46943 247
Laketon (46943)
247 residents
- 46508 217
Burket (46508)
217 residents
What this shows Among its immediate neighbors, ZIP 46982 ranks #4 by population - useful context the national average alone can't give.
ZIP 46982 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46510
Claypool (46510)
$99,420 median income
- 46982
Silver Lake (46982)
$79,688 median income
- 46539
Mentone (46539)
$74,079 median income
- 46580
Warsaw (46580)
$71,687 median income
- 46962
North Manchester (46962)
$67,984 median income
- 46974
Roann (46974)
$61,528 median income
- 46508
Burket (46508)
$55,833 median income
- 46943 $33,750
Laketon (46943)
$33,750 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46982, 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 (2,573 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kosciusko County
Related Areas
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.
Related
Take this with you
What to do with ZIP 46982's numbers, next.
- See how ZIP 46982 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Silver Lake, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.