What to know about ZIP 46895
ZIP code 46895 covers ZIP 46895 with a population of about 4,642.
At a glance, the area shows median age of 34.0 versus a U.S. median of about 38.9.
It sits in the FT. WAYNE media market.
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ZIP Code 46895 — undefined, undefined Demographics & Data
Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
Middle Class
At a glance
Population
4,642
Density
N/A
Median income
$65,208
-13% vs US avg
Home value
$138,100
-60% vs US avg
Median rent
$815
-30% vs US avg
Timezone
N/A
Overview of ZIP Code 46895
Income and economy in ZIP 46895
Median household income in ZIP 46895 is about $65,208 — about 13% below the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 8.4%; unemployment rate near 10.5%; 39.0% of adults with a bachelor’s degree or higher (about 5.3 points above the national share (33.7%)).
Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 13.3% of workers reporting work-from-home (about 1.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).
Housing and affordability in ZIP 46895
Median home value is about $138,100 — about 60% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $815 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 71.9% (about 6.5 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 46895, a household would need roughly $38,000 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 $887. That sits below the local median household income ($65,208), 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.