ZIP Code 46731 — undefined, IN Demographics & Data

ZIP code 46731 covers IN in Wells County with a population of about 858.

At a glance, the area shows median age of 38.9 (near the U.S. median).

It sits in telephone area code 260; U.S. House district IN-3; the FT. WAYNE media market.

Median household income in ZIP 46731 is about $108,542 — about 44% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 1.0%; 12.1% of adults with a bachelor’s degree or higher (about 21.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Other services; about 12.5% of workers reporting work-from-home (about 2.7 points below 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 $254,500 — about 27% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.1% (about 18.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46731 in IN, a household would need roughly $70,000 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 $1,635. That sits below the local median household income ($108,542), 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 IN as Very Low (composite score 22.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (37.7) and hurricane (26.5). 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 IN show little to no average snow and around 40.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 39 for ZIP 46731 (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.