ZIP Code 46787 — South Whitley town, IN Demographics & Data

ZIP code 46787 covers South Whitley, IN in Whitley County with a population of about 4,144.

At a glance, the area shows median age of 35.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 46787 is about $70,030 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.9%; unemployment rate near 4.5%; 19.2% of adults with a bachelor’s degree or higher (about 14.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Agriculture, and Retail trade; about 11.6% of workers reporting work-from-home (about 3.6 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 $158,500 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $561 (about 52% below the U.S. median rent ($1,163)), and owner-occupancy near 81.8% (about 16.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46787 in South Whitley, IN, a household would need roughly $44,000 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 $1,018. That sits below the local median household income ($70,030), 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 South Whitley town, IN as Very Low (composite score 24.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (34.3) and hurricane (26.7). 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 South Whitley town, IN show little to no average snow and around 39.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 190 for ZIP 46787 (South Whitley 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.