Zip code 46785: Saint Joe, Indiana

Q: What city is zip code 46785?

46785 is assigned to Saint Joe, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46785 in?

46785 is in DeKalb County, Indiana.

Q: What is the population of 46785?

About 1,491 people live in 46785, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46785?

The median household income in 46785 is $63,250.

Q: What zip codes are near 46785?

The closest zip codes to 46785 are 46788, 46721, 46743, 43526, 46706.

Residential delivery areaDeKalb CountyEastern Time

Population

1,491

Median household income

$63K

U.S. $81K

Median home value

$163K

U.S. $333K

Median rent

$855/mo

U.S. $1,413

Median age

35.8

U.S. 38.9

Land area

26 sq mi

58 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 46785

46785 is a small-town zip code in Saint Joe, Indiana (DeKalb County), covering 26 sq mi of land. About 1,491 people live here, or 58 per square mile. The median resident is 35.8 years old, compared with 38.9 nationally.

The median household earns $63,250 a year, 22% below the national median of $80,734. 7.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $163,300, or 2.6 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 85% of occupied homes are lived in by their owners, and renters pay a median of $855 a month.

7% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23.2 minutes each way, and 7% of workers work from home. The most common jobs among working residents are in production and manufacturing; construction and repair; and management. 28% of them are self-employed (U.S.: 10%).

How 46785 compares

Sorted from highest to lowest national percentile

Self-employed workers27.9%
99th
U.S. 10% · IN 8%10th of 745 in IN
Unemployment rate10.4%
95th
WeaknessU.S. 5.2% · IN 4.3%38th of 745 in IN
Uninsured rate19.7%
95th
WeaknessU.S. 8.4% · IN 7.4%43rd of 745 in IN
Homeownership rate84.6%
88th
StrengthU.S. 65.2% · IN 70.6%273rd of 742 in IN
Residents under 1826.5%
84th
U.S. 22% · IN 23.3%172nd of 745 in IN
Housing vacancy12.8%
81st
U.S. 10.1% · IN 8.8%170th of 742 in IN
Broadband access91.9%
48th
U.S. 91% · IN 89.9%208th of 742 in IN
Veterans5.6%
47th
U.S. 6.2% · IN 6.3%485th of 745 in IN
Residents 65 and older15.5%
42nd
U.S. 17.2% · IN 16.8%514th of 745 in IN
Average commute23.2 min
31st
U.S. 26.4 min · IN 24.1 min500th of 726 in IN
Poverty rate7.8%
30th
U.S. 12.5% · IN 12.3%461st of 742 in IN
Median earnings per worker$41,750
28th
U.S. $49,666 · IN $46,609519th of 740 in IN
Median household income$63,250
26th
U.S. $80,734 · IN $71,957486th of 719 in IN
Median age35.8
26th
U.S. 38.9 · IN 38.1579th of 745 in IN
Work from home7%
16th
U.S. 15.1% · IN 10.7%387th of 745 in IN
Rent-burdened renters40.3%
16th
StrengthU.S. 51.1% · IN 48.1%398th of 716 in IN
Median home value$163,300
13th
U.S. $332,700 · IN $218,200440th of 719 in IN
Median gross rent$855
10th
U.S. $1,413 · IN $1,062421st of 640 in IN
Population density58/sq mi
8th
U.S. 95/sq mi · IN 191/sq mi482nd of 745 in IN
Diversity index15
8th
U.S. 61.4 · IN 41.4378th of 745 in IN
Per capita income$24,024
7th
WeaknessU.S. $44,673 · IN $38,351688th of 744 in IN
Tech workers0.2%
4th
U.S. 3.8% · IN 2.5%558th of 745 in IN
Population1,491
2nd
U.S. 334,922,499 · IN 6,851,073519th of 745 in IN
Foreign-born residents0.3%
2nd
U.S. 14.1% · IN 6.3%564th of 745 in IN
Income inequality (Gini)0.339
2nd
StrengthU.S. 0.483 · IN 0.452622nd of 740 in IN
Bachelor's degree or higher6.5%
1st
WeaknessU.S. 35.7% · IN 29.5%698th of 744 in IN
Healthcare workers2.9%
1st
U.S. 9.7% · IN 9.8%668th of 745 in IN
Government workers3.4%
1st
U.S. 14.5% · IN 11.7%711th of 745 in IN

Measure	46785	DeKalb	IN	U.S.	National percentile	Rank in IN
Self-employed workers	27.9%	7.1%	8%	10%	99th	10th of 745
Unemployment rateWeakness	10.4%	4.5%	4.3%	5.2%	95th	38th of 745
Uninsured rateWeakness	19.7%	6.5%	7.4%	8.4%	95th	43rd of 745
Homeownership rateStrength	84.6%	82.1%	70.6%	65.2%	88th	273rd of 742
Residents under 18	26.5%	24.1%	23.3%	22%	84th	172nd of 745
Housing vacancy	12.8%	7%	8.8%	10.1%	81st	170th of 742
Broadband access	91.9%	88.1%	89.9%	91%	48th	208th of 742
Veterans	5.6%	6.7%	6.3%	6.2%	47th	485th of 745
Residents 65 and older	15.5%	17.4%	16.8%	17.2%	42nd	514th of 745
Average commute	23.2 min	21.3 min	24.1 min	26.4 min	31st	500th of 726
Poverty rate	7.8%	9.5%	12.3%	12.5%	30th	461st of 742
Median earnings per worker	$41,750	$44,990	$46,609	$49,666	28th	519th of 740
Median household income	$63,250	$74,331	$71,957	$80,734	26th	486th of 719
Median age	35.8	38.4	38.1	38.9	26th	579th of 745
Work from home	7%	5%	10.7%	15.1%	16th	387th of 745
Rent-burdened rentersStrength	40.3%	39.5%	48.1%	51.1%	16th	398th of 716
Median home value	$163,300	$194,100	$218,200	$332,700	13th	440th of 719
Median gross rent	$855	$861	$1,062	$1,413	10th	421st of 640
Population density	58/sq mi	121/sq mi	191/sq mi	95/sq mi	8th	482nd of 745
Diversity index	15	12.3	41.4	61.4	8th	378th of 745
Per capita incomeWeakness	$24,024	$35,553	$38,351	$44,673	7th	688th of 744
Tech workers	0.2%	1.9%	2.5%	3.8%	4th	558th of 745
Population	1,491	43,807	6,851,073	334,922,499	2nd	519th of 745
Foreign-born residents	0.3%	1.5%	6.3%	14.1%	2nd	564th of 745
Income inequality (Gini)Strength	0.339	0.406	0.452	0.483	2nd	622nd of 740
Bachelor's degree or higherWeakness	6.5%	20.2%	29.5%	35.7%	1st	698th of 744
Healthcare workers	2.9%	8.3%	9.8%	9.7%	1st	668th of 745
Government workers	3.4%	9%	11.7%	14.5%	1st	711th of 745

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

19%

5–17

18–24

15%

25–34

14%

35–44

10%

45–54

13%

55–64

12%

65–74

75+

Median age

35.8

Under 18

26.5%

65 and over

15.5%

Race and ethnicity

White92%
Black0%
Hispanic5%
Asian0%
Native American0.1%
Pacific Islander0%
Other0%
Multiracial3%

Diversity index

U.S. 61.4

Foreign-born

0.3%

U.S. 14.1%

Born in state

77.7%

Language spoken at home (households)

English only

97%

Spanish

Other Indo-European

0.7%

Asian / Pacific

Other

Households

Households: 455
Average household size: 3.3
Family households: 76.3%
Married couples: 54.3%
Living alone: 14.5%
Veterans (of adults): 5.6%
Male / female: 57% / 43%

Income and poverty

Household income distribution

<$25k

13%

$25–50k

13%

$50–75k

40%

$75–100k

11%

$100–150k

15%

$150–200k

$200k+

Median household income

46785

$63,250

DeKalb Co.

$74,331

Indiana

$71,957

United States

$80,734

Per capita income

$24,024

U.S. $44,673

Poverty rate

7.8%

U.S. 12.5%

Households earning $150K+

7.7%

U.S. 23%

Income inequality (Gini)

0.339

U.S. 0.483

Housing

Median home value

46785

$163,300

DeKalb Co.

$194,100

Indiana

$218,200

United States

$332,700

Median gross rent

46785

$855

DeKalb Co.

$861

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

81%

2–4 units

5–19 units

20+ units

Mobile home

17%

Boat, RV, van

Housing units: 522
Owner-occupied: 84.6%
Vacant: 12.8%
Median year built: 1971
Median rooms: 7.2
Renters paying 30%+ of income: 40.3%
Renters paying 50%+ of income: 17.9%
Home value to income: 2.6× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

68%

Carpooled

18%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

18%

10–19

21%

20–29

34%

30–44

16%

45–59

60+

Average commute

23.2 min

U.S. 26.4 min

Unemployment

10.4%

U.S. 5.2%

In labor force

56.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Production

19%

Construction and repair

15%

Management

12%

Transportation and moving

12%

Sales

10%

Cleaning and personal care

Education

Office and admin

Arts, media and sports

Business and finance

Healthcare

Food service

Engineering and science

Legal and social services

0.3%

Computer and math

0.2%

Police and fire

0.2%

Farming, fishing and forestry

Industries

Manufacturing

30%

Retail

16%

Construction

14%

Agriculture and mining

Health care and social assistance

Education

Other services

Transportation, warehousing and utilities

Restaurants and hotels

Admin, support and management

Professional and technical services

Wholesale

Finance, insurance and real estate

Public administration

0.5%

Information

0.3%

Arts and recreation

Median earnings per worker

$41,750

U.S. $49,666

Self-employed

27.9%

U.S. 10%

Government workers

3.4%

U.S. 14.5%

Nonprofit workers

4.2%

U.S. 8.8%

Median earnings by type of work

Type of work	46785	U.S.
Management, business, science and arts	$43,750	$74,888
Service	$5,875	$26,804
Sales and office	$20,000	$40,476
Construction and maintenance	$52,976	$49,199
Production and transportation	$46,167	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

18%

High school

52%

Some college

19%

Associate's

Bachelor's

Graduate

High school graduate or higher: 82.2%
Bachelor's degree or higher: 6.5%
Graduate or professional degree: 2.7%
Households with broadband: 91.9%
Cable, fiber or DSL: 32.3%
No internet access: 5.1%
Without health insurance: 19.7%
Limited-English households: 0%

Geography

City (USPS): Saint Joe
State: Indiana
County: DeKalb County
Center point: 41.3232° N, 84.8778° W
Land area: 26 sq mi
Water area: under 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

St. Joe1% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 46785

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46788	Spencerville, IN	3.8 mi	4,373	$101,553	$285,200
46721	Butler, IN	7 mi	4,739	$68,580	$138,800
46743	Harlan, IN	7.6 mi	2,347	$81,406	$217,800
43526	Hicksville, OH	7.7 mi	6,464	$66,912	$168,400
46706	Auburn, IN	8.1 mi	20,403	$80,965	$219,100
46741	Grabill, IN	8.3 mi	4,713	$102,281	$330,200
46765	Leo, IN	10 mi	5,786	$112,328	$357,900
43517	Edgerton, OH	11 mi	3,442	$58,578	$136,500
46793	Waterloo, IN	11 mi	4,104	$79,949	$184,100
45813	Antwerp, OH	12 mi	3,719	$65,054	$157,200
43536	Mark Center, OH	13 mi	338	$68,625	$133,200
43520	Farmer, OH	13 mi	0	—	—

Zip codes like 46785 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 46785

What city is zip code 46785?

46785 is assigned to Saint Joe, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46785 in?

46785 is in DeKalb County, Indiana.

What is the population of 46785?

About 1,491 people live in 46785, according to the Census Bureau's American Community Survey.

What time zone is 46785 in?

46785 is in Eastern Time.

What is the median household income in 46785?

The median household income in 46785 is $63,250.

What zip codes are near 46785?

The closest zip codes to 46785 are 46788, 46721, 46743, 43526, 46706.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46785, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.