ZIP Code 46064 — Pendleton town, IN Demographics & Data

ZIP code 46064 covers Pendleton, IN in Madison County with a population of about 17,730.

At a glance, the area shows median age of 39.4 (near the U.S. median).

It sits in telephone area code 765; U.S. House district IN-5; the INDIANAPOLIS media market.

Pendleton, IN reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 46064 is about $92,012 — about 22% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.8%; unemployment rate near 5.3%; 32.4% of adults with a bachelor’s degree or higher (about 1.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 20.1% of workers reporting work-from-home (about 4.9 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $256,500 — about 26% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $853 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 84.5% (about 19.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46064 in Pendleton, IN, a household would need roughly $71,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,648. That sits below the local median household income ($92,012), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Pendleton town, IN as Relatively Low (composite score 77.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (82.6) and hurricane (25.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Pendleton town, IN show little to no average snow and around 43.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 815 for ZIP 46064 (Pendleton town, IN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.