Upland, IN · standard
ZIP Code 46989
Grant County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,195
- 60/sq mi Moderate-density area
- $82,074
- Median income Near-median income area
- $219,400
- Median home value Near-median home value
- 45.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Upland pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 35%
- household income, US ZIPs
- 49th pct
- home value, US ZIPs
- 60
- people per sq mi
- 80%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46989 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 46989 (Upland, IN) rose +45.6% from 2023 to 2024. The all-transactions index moved from 149.3 in 2023 to 217.3 in 2024 (2000 = 100).
ZIP code 46989 is a mid-sized community (a standard USPS delivery area) in Upland, Grant County, Indiana, home to 5,195 residents across 87.0 square miles, a density of 60 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46989 lands in the middle-income range, with a median household income of $82,074 (11% above the average Indiana ZIP), while per-capita income is $26,171. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.9% and unemployment is 2.3%. Median home value is $219,400 (13% above the average Indiana ZIP) and median rent is $927; 80.3% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 45.3% of adults hold a bachelor's degree or higher, the median age is 22.6, and the average commute is 21 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Grant County, so 46989 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 46989
Top 5 sectors by establishment count in Upland, IN
Which industries have the most business establishments in ZIP 46989.
- Other services (except public administration)
Other services (except public administration)
11 establishments
- Retail trade
Retail trade
8 establishments
- Construction
Construction
7 establishments
- Health care and social assistance
Health care and social assistance
7 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
5 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 46989, Upland, 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
5,195
Population
87.0
Area (sq mi)
60
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46989?
22.6
Median Age
51.1%
Male
48.9%
Female
4.3%
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?
$82,074
Median Household Income
+11% vs state ZIP avg
$26,171
Per Capita Income
6.9%
Poverty Rate
2.3%
Unemployment Rate
20.8 min
Mean Commute Time
How ZIP 46989 ranks among Indiana ZIPs
Upland, 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)
$82,074 Top 27% higher than 73% 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
1,582housing units
1,582
Total Housing Units
1,427
Occupied Units
155
Vacant Units
2.73
Avg Household Size
Occupancy Type
$219,400
Median Home Value
+13% vs state ZIP avg
$927
Median Rent
1977
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
+45.6%
YoY Change (2024)
217
HPI Index (2000 = 100)
+117%
Total Change Since 2000
Home values in ZIP 46989 have increased 45.6% over the past year (2024). Since 2000, this ZIP has seen +117% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.9% | 133 |
| 2021 | +6.6% | 141 |
| 2022 | +25.8% | 178 |
| 2023 | -16.1% | 149 |
| 2024 | +45.6% | 217 |
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 54 business establishments in ZIP 46989, employing approximately 1,856 people with a combined annual payroll of $46,405,000.
54
Businesses
1,856
Employees
$46.4M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 11 | 20.4% |
| Retail trade | 8 | 14.8% |
| Construction | 7 | 13.0% |
| Health care and social assistance | 7 | 13.0% |
| Professional, scientific, and technical services | 5 | 9.3% |
| Accommodation and food services | 4 | 7.4% |
| Administrative and support and waste management and remediation services | 3 | 5.6% |
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 46989 vs 46957 →
ZIP 46989 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 47348
Hartford City (47348)
9,828 residents
- 46933
Gas City (46933)
6,414 residents
- 46989
Upland (46989)
5,195 residents
- 47338 2,827
Eaton (47338)
2,827 residents
- 47342 2,693
Gaston (47342)
2,693 residents
- 46957 558
Matthews (46957)
558 residents
- 46930 133
Fowlerton (46930)
133 residents
What this shows Among its immediate neighbors, ZIP 46989 ranks #3 by population - useful context the national average alone can't give.
ZIP 46989 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46989
Upland (46989)
$82,074 median income
- 47342
Gaston (47342)
$75,030 median income
- 47338
Eaton (47338)
$68,239 median income
- 46933
Gas City (46933)
$56,786 median income
- 46930
Fowlerton (46930)
$52,679 median income
- 47348
Hartford City (47348)
$50,426 median income
- 46957
Matthews (46957)
$49,444 median income
What this shows By household income, ZIP 46989 ranks the highest of 7 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 46989, 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 (5,195 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Grant County
Related Areas
Frequently Asked Questions
What county is ZIP code 46989 in?
ZIP code 46989 (Upland) is located in Grant County, Indiana. Grant County contains multiple ZIP codes, see the full list at /counties/grant-in.
What is the population of ZIP code 46989?
ZIP code 46989 in Upland, IN has a population of 5,195 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46989?
The median household income in ZIP 46989 is $82,074, which is 8% above the national average of $76,288.
What is the average home value in ZIP 46989?
The median home value in ZIP 46989 is $219,400, which is 21% below the national average of $278,155.
What is the demographic makeup of ZIP 46989?
The largest racial group in ZIP 46989 is White at 85.0%. Hispanic or Latino residents make up 5.8% of the population.
How many businesses are in ZIP code 46989?
ZIP code 46989 has 54 business establishments employing approximately 1,856 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46989?
The top industries by establishment count in ZIP 46989 are: Other services (except public administration) (11), Retail trade (8), Construction (7). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 46989?
According to the FHFA House Price Index, home values in ZIP 46989 increased by 45.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 117%. 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 46989?
In ZIP code 46989, 68.6% of residents aged 25+ have a high school diploma or higher, and 45.3% 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 46989?
The mean commute time for workers in ZIP code 46989 is 20.8 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 46989?
In ZIP code 46989, approximately 80.3% of occupied housing units are owner-occupied and 19.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46989?
The poverty rate in ZIP code 46989 is 6.9% 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 46989's numbers, next.
- See how ZIP 46989 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Upland, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.