ZIP Code 47884 — Universal town, IN Demographics & Data

ZIP code 47884 covers Universal, IN in Vermillion County with a population of about 207.

At a glance, the area shows median age of 36.5 versus a U.S. median of about 38.9.

It sits in telephone area code 765; U.S. House district IN-8; the TERRE HAUTE media market.

Median household income in ZIP 47884 is about $64,375 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.5%; unemployment rate near 1.1%; 11.2% of adults with a bachelor’s degree or higher (about 22.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Healthcare; about 8.1% of workers reporting work-from-home (about 7.1 points below the U.S. share (15.2%)); a mean commute of about 80.0 minutes (U.S. average near 26.8).

Median home value is about $78,300 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.0% (about 28.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 47884 in Universal, IN, a household would need roughly $22,000 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 $503. That sits below the local median household income ($64,375), 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 Universal town, IN as Very Low (composite score 23.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (33.0) and hurricane (29.3). 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 Universal town, IN show little to no average snow and around 44.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 47884 (Universal 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.