46781 ZIP Code — Poneto, IN

Wells County, Indiana

ZIP code 46781 is located in Poneto, Indiana, within Wells County. It covers approximately 25.73 square miles and serves a population of 791 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46781

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $151,200. Owner-occupancy is high at 91%, well above the national average.

Median household income is $81,719. The poverty rate of 6% is below the national average. 31% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 37 minutes suggests many residents work outside the immediate area.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 46781 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

791

population

25.73

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46781 ZIP code map

Cities in ZIP code 46781

Below are the cities the US Postal Service accepts for ZIP code 46781. Using any city not on this list may result in mail delivery delays.

City	Status
Poneto	Preferred

Nearby ZIP codes

46766 Liberty Center (5 mi) 46759 Keystone (5.3 mi) 47359 Montpelier (6.2 mi) 46714 Bluffton (6.6 mi) 47369 Pennville (10.6 mi) 46792 Warren (11.3 mi) 47348 Hartford City (12.7 mi) 46991 Van Buren (13.1 mi) 46731 Craigville (13.4 mi) 46791 Uniondale (13.6 mi) 46770 Markle (15.3 mi) 46740 Geneva (16 mi)

Demographics updated 06/2026

Population
Total population	791
Population density	31 / sq mi
State FIPS	18
County FIPS	179

Geography
Land area	25.73 sq mi
Water area	0.05 sq mi
Latitude	40.6398
Longitude	-85.2591
Timezone	Eastern (ET)
Area code	260

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.8%	44.1%	42.9%
$50k – $100k	37.1%	33.5%	32.7%
$100k – $200k	28.1%	19.8%	19.8%
Over $200k	0.0%	2.6%	4.5%

Demographics & statistics

791

Population

People per sq mi

43.5

Median age

$81,719

Median household income

$33,332

Per capita income

$151,200

Median home value

$532

Median monthly rent

91.2%

Home ownership

6.2%

Poverty rate

1.1%

Unemployment

311

Housing units

9.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	173	21.9%
18 and over	618	78.1%
65 and over	174	22.0%
Median age	43.5 years

Race & ethnicity

White 97.5%

Two or more races 1.6%

Hispanic or Latino 0.8%

American Indian / Alaska Native 0.1%

Group	Count	%
White	777	97.5%
Two or more races	13	1.6%
Hispanic or Latino	6	0.8%
American Indian / Alaska Native	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.8%	44.1%	42.9%
$50k – $100k	37.1%	33.5%	32.7%
$100k – $200k	28.1%	19.8%	19.8%
Over $200k	0.0%	2.6%	4.5%

Under $10k 3.5%

$10k–$15k 0.3%

$15k–$25k 10.9%

$25k–$35k 9.4%

$35k–$50k 13.5%

$50k–$75k 10.0%

$75k–$100k 15.5%

$100k–$150k 27.0%

$150k–$200k 8.2%

$200k+ 1.8%

Range	% of households
Under $10k	3.5%
$10k–$15k	0.3%
$15k–$25k	10.9%
$25k–$35k	9.4%
$35k–$50k	13.5%
$50k–$75k	10.0%
$75k–$100k	15.5%
$100k–$150k	27.0%
$150k–$200k	8.2%
$200k+	1.8%
Median income	$81,719

Housing

Home values

Under $50k 3.5%

$50k–$100k 23.5%

$100k–$150k 22.2%

$150k–$200k 16.4%

$200k–$300k 26.4%

$300k–$500k 7.7%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$151,200
Median rent / month	$532
Owner occupied	91.2%
Renter occupied	8.8%
Vacant	0.0%
Single-family detached	97.4%
Large apartment buildings	0.0%
Mobile homes	2.6%
Median rooms	6.9
Avg household size (owned)	2.38

Year built

Era	%
2020 or later	0.0%
2010–2019	10.6%
2000–2009	5.0%
1990–1999	17.6%
1980–1989	10.9%
1970–1979	4.4%
1960–1969	2.6%
1950–1959	7.3%
1940–1949	5.9%
1939 or earlier	35.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.9%
2 bedrooms	21.7%
3 bedrooms	54.5%
4 bedrooms	17.6%
5+ bedrooms	0.3%

Vehicles per household

Vehicles	% of households
No vehicle	1.8%
1 vehicle	21.4%
2 vehicles	33.4%
3 or more	43.4%

Heating fuel

Fuel type	%
Utility gas	18.2%
Electricity	24.6%
Propane / LP gas	41.9%
Fuel oil	2.6%
Wood	9.7%

Households & families

Household type	Count	%
Married-couple family	152	44.6%
Cohabiting couple	53	15.5%
Male householder, no spouse	86	25.2%
Female householder, no spouse	50	14.7%
Households with children under 18	67	19.6%
Households with seniors (65+)	114	33.4%
Average household size	2.32

Marital status

Status	Male	Female
Never married	23.6%	21.9%
Married	48.2%	58.1%
Separated	2.2%	0.4%
Widowed	0.3%	9.4%
Divorced	25.8%	10.2%

Education

Less than 9th grade 1.2%

Some HS, no diploma 0.5%

HS graduate 54.7%

Some college, no degree 22.8%

Associate's degree 11.5%

Bachelor's degree 4.2%

Graduate / professional 5.0%

Metric	%
HS diploma or higher	98.2%
Bachelor's or higher	9.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	11	7.5%
Elementary school	94	63.9%
High school	20	13.6%
College / grad school	22	15.0%

Employment

Industry of employment

Education & healthcare 21.9%

Manufacturing 20.8%

Construction 12.0%

Other services 11.2%

Agriculture & mining 7.9%

Wholesale trade 6.8%

Professional & management 4.6%

Transportation & utilities 4.1%

Public administration 4.1%

Arts, food & hospitality 3.6%

Retail trade 2.2%

Information 0.8%

Occupation

Category	%
Management, business & arts	34.7%
Service	15.3%
Sales & office	13.1%
Natural resources & construction	15.3%
Production & transportation	21.6%

Employment type

Type	%
Private sector	79.0%
Government	18.6%
Self-employed	2.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	89.6%
Carpool	4.2%
Public transit	1.4%
Walk	0.3%
Work from home	4.5%
Other means	0.0%
Avg commute (minutes)	36.7

Poverty

All people 6.2%

Under 18 years 11.0%

18 and over 4.9%

Married-couple families 2.6%

Female-led households 60.0%

Income support

Source	% of households
Social Security	31.4%
Retirement income	35.5%
Supplemental Security	4.4%
Cash public assistance	0.3%
Food stamps / SNAP	2.6%

Health indicators

Condition	%
Obesity	36.5%
High blood pressure	34.0%
High cholesterol	33.6%
Diabetes	10.2%
Heart disease	6.5%
Stroke	2.9%
Asthma	9.6%
Arthritis	26.4%
Kidney disease	2.7%
Pulmonary disease	7.7%
Cancer	6.8%

Behavior / access	%
Smoking	21.3%
Binge drinking	17.2%
No physical activity	24.4%
Less than 7 hrs sleep	33.1%
Depression	22.1%
Fair or poor health	14.3%
Poor mental health	14.9%
Poor physical health	10.5%
No health insurance	12.2%
Visited doctor (checkup)	74.3%
Visited dentist	64.7%
Cholesterol screening	89.5%
Teeth loss	14.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	21	3.4%

Disability	%
Any disability	9.2%
Under 18	1.2%
18–64 years	13.5%
65 and over	6.3%

Health insurance coverage

Type	%
Private insurance	70.9%
Public insurance	36.0%
No insurance	8.2%
Uninsured under 19	26.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	738	93.3%
Spanish	14	1.9%
Other Indo-European	14	1.9%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	791	100.0%
Born in same state	789	99.7%
Born in different state	679	85.8%
Foreign born	2	0.3%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	109	13.8%
Italian	96	12.1%
French	63	8%
English	11	1.4%

Ancestry	Count	%
Polish	6	0.8%
Irish	1	0.1%
Norwegian	1	0.1%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	92.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 46781

What city is ZIP code 46781 in?

ZIP code 46781 is primarily assigned to Poneto, Indiana.

What county is ZIP code 46781 in?

ZIP code 46781 falls within Wells County, Indiana.

Is ZIP code 46781 mostly owner-occupied?

91% of occupied units in ZIP code 46781 are owner-occupied, well above the national average.

How educated is the population of ZIP code 46781?

9% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 46781?

The median home value in ZIP code 46781 is $151,200.

What is the population of ZIP code 46781?

ZIP code 46781 has an estimated population of 791 residents, with a density of 31 people per square mile.

What timezone is ZIP code 46781 in?

ZIP code 46781 observes the EST timezone.