ZIP Code 47404 — Bloomington city, IN Demographics & Data

ZIP code 47404 covers Bloomington, IN in Monroe County with a population of about 23,614.

At a glance, the area shows median age of 33.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 812, 930; U.S. House district IN-9; the INDIANAPOLIS media market.

Median household income in ZIP 47404 is about $54,674 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.4%; unemployment rate near 4.2%; 43.5% of adults with a bachelor’s degree or higher (about 9.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Manufacturing, and Retail trade; about 15.2% of workers reporting work-from-home (roughly in line with 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 $243,500 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $968 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 55.6% (about 9.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 47404 in Bloomington, IN, a household would need roughly $67,000 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 $1,564. That is about 23% above the local median household income ($54,674), so the median earner would likely stretch or need a larger down payment. 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 Bloomington city, IN as Relatively Low (composite score 76.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (80.8) and wildfire (31.2). 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 Bloomington city, IN show little to no average snow and around 49.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,085 for ZIP 47404 (Bloomington city, 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.