Zip code 46788: Spencerville, Indiana

Q: What city is zip code 46788?

46788 is assigned to Spencerville, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46788 in?

46788 is mostly in DeKalb County, but it extends into 1 other county.

Q: What is the population of 46788?

About 4,373 people live in 46788, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46788?

The median household income in 46788 is $101,553.

Q: What zip codes are near 46788?

The closest zip codes to 46788 are 46785, 46741, 46743, 46765, 46706.

Residential delivery areaDeKalb CountyEastern Time

Population

4,373

Median household income

$102K

U.S. $81K

Median home value

$285K

U.S. $333K

Median rent

$1,799/mo

U.S. $1,413

Median age

24.7

U.S. 38.9

Land area

35 sq mi

127 people/sq mi

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

About 46788

46788 is a small-town zip code in Spencerville, Indiana (DeKalb County), covering 35 sq mi of land. About 4,373 people live here, or 127 per square mile. The median resident is 24.7 years old, compared with 38.9 nationally.

The median household earns $101,553 a year, 26% above the national median of $80,734. 5.2% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $285,200, or 2.8 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 90% of occupied homes are lived in by their owners, and renters pay a median of $1,799 a month.

25% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 25 minutes each way, and 3% of workers work from home. The most common jobs among working residents are in construction and repair; management; and production and manufacturing. 20% of them are self-employed (U.S.: 10%).

How 46788 compares

Sorted from highest to lowest national percentile

Residents under 1841.3%
99th
U.S. 22% · IN 23.3%7th of 745 in IN
Uninsured rate23.2%
97th
WeaknessU.S. 8.4% · IN 7.4%25th of 745 in IN
Self-employed workers19.6%
97th
U.S. 10% · IN 8%34th of 745 in IN
Homeownership rate89.8%
96th
StrengthU.S. 65.2% · IN 70.6%140th of 742 in IN
Unemployment rate8.1%
87th
WeaknessU.S. 5.2% · IN 4.3%77th of 745 in IN
Rent-burdened renters58.8%
80th
WeaknessU.S. 51.1% · IN 48.1%107th of 716 in IN
Median gross rent$1,799
74th
U.S. $1,413 · IN $1,0627th of 640 in IN
Median household income$101,553
73rd
U.S. $80,734 · IN $71,95767th of 719 in IN
Median earnings per worker$54,673
67th
U.S. $49,666 · IN $46,609120th of 740 in IN
Veterans5.5%
45th
U.S. 6.2% · IN 6.3%494th of 745 in IN
Average commute25 min
43rd
U.S. 26.4 min · IN 24.1 min401st of 726 in IN
Median home value$285,200
41st
U.S. $332,700 · IN $218,20076th of 719 in IN
Bachelor's degree or higher25.2%
34th
U.S. 35.7% · IN 29.5%215th of 744 in IN
Per capita income$34,657
33rd
U.S. $44,673 · IN $38,351384th of 744 in IN
Housing vacancy4.2%
24th
U.S. 10.1% · IN 8.8%569th of 742 in IN
Income inequality (Gini)0.401
21st
U.S. 0.483 · IN 0.452359th of 740 in IN
Foreign-born residents2.9%
18th
U.S. 14.1% · IN 6.3%246th of 745 in IN
Population density127/sq mi
16th
U.S. 95/sq mi · IN 191/sq mi322nd of 745 in IN
Diversity index21.1
14th
U.S. 61.4 · IN 41.4271st of 745 in IN
Poverty rate5.2%
13th
StrengthU.S. 12.5% · IN 12.3%603rd of 742 in IN
Tech workers0.8%
10th
U.S. 3.8% · IN 2.5%453rd of 745 in IN
Population4,373
7th
U.S. 334,922,499 · IN 6,851,073331st of 745 in IN
Broadband access79.5%
4th
WeaknessU.S. 91% · IN 89.9%641st of 742 in IN
Work from home3.3%
3rd
U.S. 15.1% · IN 10.7%598th of 745 in IN
Residents 65 and older7.7%
3rd
U.S. 17.2% · IN 16.8%716th of 745 in IN
Healthcare workers4.4%
2nd
U.S. 9.7% · IN 9.8%626th of 745 in IN
Government workers6.1%
2nd
U.S. 14.5% · IN 11.7%657th of 745 in IN
Median age24.7
1st
U.S. 38.9 · IN 38.1726th of 745 in IN

Measure	46788	DeKalb	IN	U.S.	National percentile	Rank in IN
Residents under 18	41.3%	24.1%	23.3%	22%	99th	7th of 745
Uninsured rateWeakness	23.2%	6.5%	7.4%	8.4%	97th	25th of 745
Self-employed workers	19.6%	7.1%	8%	10%	97th	34th of 745
Homeownership rateStrength	89.8%	82.1%	70.6%	65.2%	96th	140th of 742
Unemployment rateWeakness	8.1%	4.5%	4.3%	5.2%	87th	77th of 745
Rent-burdened rentersWeakness	58.8%	39.5%	48.1%	51.1%	80th	107th of 716
Median gross rent	$1,799	$861	$1,062	$1,413	74th	7th of 640
Median household income	$101,553	$74,331	$71,957	$80,734	73rd	67th of 719
Median earnings per worker	$54,673	$44,990	$46,609	$49,666	67th	120th of 740
Veterans	5.5%	6.7%	6.3%	6.2%	45th	494th of 745
Average commute	25 min	21.3 min	24.1 min	26.4 min	43rd	401st of 726
Median home value	$285,200	$194,100	$218,200	$332,700	41st	76th of 719
Bachelor's degree or higher	25.2%	20.2%	29.5%	35.7%	34th	215th of 744
Per capita income	$34,657	$35,553	$38,351	$44,673	33rd	384th of 744
Housing vacancy	4.2%	7%	8.8%	10.1%	24th	569th of 742
Income inequality (Gini)	0.401	0.406	0.452	0.483	21st	359th of 740
Foreign-born residents	2.9%	1.5%	6.3%	14.1%	18th	246th of 745
Population density	127/sq mi	121/sq mi	191/sq mi	95/sq mi	16th	322nd of 745
Diversity index	21.1	12.3	41.4	61.4	14th	271st of 745
Poverty rateStrength	5.2%	9.5%	12.3%	12.5%	13th	603rd of 742
Tech workers	0.8%	1.9%	2.5%	3.8%	10th	453rd of 745
Population	4,373	43,807	6,851,073	334,922,499	7th	331st of 745
Broadband accessWeakness	79.5%	88.1%	89.9%	91%	4th	641st of 742
Work from home	3.3%	5%	10.7%	15.1%	3rd	598th of 745
Residents 65 and older	7.7%	17.4%	16.8%	17.2%	3rd	716th of 745
Healthcare workers	4.4%	8.3%	9.8%	9.7%	2nd	626th of 745
Government workers	6.1%	9%	11.7%	14.5%	2nd	657th of 745
Median age	24.7	38.4	38.1	38.9	1st	726th 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

11%

Under 5

30%

5–17

18–24

15%

25–34

10%

35–44

10%

45–54

55–64

65–74

75+

Median age

24.7

Under 18

41.3%

65 and over

7.7%

Race and ethnicity

White88%
Black0%
Hispanic9%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial2%

Diversity index

21.1

U.S. 61.4

Foreign-born

2.9%

U.S. 14.1%

Born in state

74.8%

Language spoken at home (households)

English only

80%

Spanish

Other Indo-European

15%

Asian / Pacific

Other

Households

Households: 1,123
Average household size: 3.9
Family households: 80.6%
Married couples: 74.6%
Living alone: 13.3%
Veterans (of adults): 5.5%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

$50–75k

14%

$75–100k

15%

$100–150k

24%

$150–200k

$200k+

19%

Median household income

46788

$101,553

DeKalb Co.

$74,331

Indiana

$71,957

United States

$80,734

Per capita income

$34,657

U.S. $44,673

Poverty rate

5.2%

U.S. 12.5%

Households earning $150K+

27.9%

U.S. 23%

Income inequality (Gini)

0.401

U.S. 0.483

Housing

Median home value

46788

$285,200

DeKalb Co.

$194,100

Indiana

$218,200

United States

$332,700

Median gross rent

46788

$1,799

DeKalb Co.

$861

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

96%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 1,172
Owner-occupied: 89.8%
Vacant: 4.2%
Median year built: 1983
Median rooms: 7
Renters paying 30%+ of income: 58.8%
Renters paying 50%+ of income: 58.8%
Home value to income: 2.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

62%

Carpooled

26%

Transit

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

14%

10–19

26%

20–29

28%

30–44

17%

45–59

60+

10%

Average commute

25 min

U.S. 26.4 min

Unemployment

8.1%

U.S. 5.2%

In labor force

68%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Construction and repair

20%

Management

12%

Production

10%

Cleaning and personal care

10%

Transportation and moving

Education

Sales

Office and admin

Healthcare

Police and fire

Engineering and science

Business and finance

Legal and social services

Computer and math

0.8%

Arts, media and sports

0.4%

Food service

Farming, fishing and forestry

Industries

Manufacturing

23%

Construction

21%

Retail

17%

Education

10%

Health care and social assistance

Admin, support and management

Finance, insurance and real estate

Arts and recreation

Transportation, warehousing and utilities

Wholesale

Restaurants and hotels

Other services

Professional and technical services

Public administration

Information

Agriculture and mining

Median earnings per worker

$54,673

U.S. $49,666

Self-employed

19.6%

U.S. 10%

Government workers

6.1%

U.S. 14.5%

Nonprofit workers

7.8%

U.S. 8.8%

Median earnings by type of work

Type of work	46788	U.S.
Management, business, science and arts	$74,269	$74,888
Service	$12,379	$26,804
Sales and office	$17,072	$40,476
Construction and maintenance	$60,821	$49,199
Production and transportation	$52,054	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

21%

High school

25%

Some college

21%

Associate's

Bachelor's

15%

Graduate

10%

High school graduate or higher: 79.2%
Bachelor's degree or higher: 25.2%
Graduate or professional degree: 10.3%
Households with broadband: 79.5%
Cable, fiber or DSL: 41.1%
No internet access: 20.5%
Without health insurance: 23.2%
Limited-English households: 0%

Geography

City (USPS): Spencerville
State: Indiana
County: DeKalb County
Center point: 41.2729° N, 84.9080° W
Land area: 35 sq mi
Water area: 0.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

46788 spans 2 counties

DeKalb County54% of land
Allen County47% of land

Zip codes near 46788

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46785	Saint Joe, IN	3.8 mi	1,491	$63,250	$163,300
46741	Grabill, IN	4.5 mi	4,713	$102,281	$330,200
46743	Harlan, IN	4.9 mi	2,347	$81,406	$217,800
46765	Leo, IN	7 mi	5,786	$112,328	$357,900
46706	Auburn, IN	8 mi	20,403	$80,965	$219,100
43526	Hicksville, OH	9.6 mi	6,464	$66,912	$168,400
46797	Woodburn, IN	10 mi	4,097	$103,566	$260,600
46721	Butler, IN	11 mi	4,739	$68,580	$138,800
45813	Antwerp, OH	11 mi	3,719	$65,054	$157,200
46835	Fort Wayne, IN	11 mi	38,166	$77,152	$210,100
46845	Fort Wayne, IN	11 mi	29,583	$112,676	$339,200
46738	Garrett, IN	13 mi	8,533	$57,545	$164,200

Zip codes like 46788 elsewhere

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

Questions about 46788

What city is zip code 46788?

46788 is assigned to Spencerville, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46788 in?

46788 is mostly in DeKalb County, but it extends into 1 other county.

What is the population of 46788?

About 4,373 people live in 46788, according to the Census Bureau's American Community Survey.

What time zone is 46788 in?

46788 is in Eastern Time.

What is the median household income in 46788?

The median household income in 46788 is $101,553.

What zip codes are near 46788?

The closest zip codes to 46788 are 46785, 46741, 46743, 46765, 46706.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46788, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.