46120 ZIP Code — Cloverdale, IN

Putnam County, Indiana

ZIP code 46120 is located in Cloverdale, Indiana, within Putnam County. It covers approximately 91.66 square miles and serves a population of 5,881 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 765.

About ZIP code 46120

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $159,800. Owner-occupancy sits near the national average at 72%.

Median household income is $49,942. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 28 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%; and disability rates above the national average at 23%.

Overall, ZIP code 46120 reflects a community defined by a trades-oriented workforce, a strong veteran community, and a significant Social Security-dependent population.

5,881

population

91.66

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46120 ZIP code map

Cities in ZIP code 46120

Below are the cities the US Postal Service accepts for ZIP code 46120. Using any city not on this list may result in mail delivery delays.

City	Status
Cloverdale	Acceptable
Cloverdale	Preferred

Nearby ZIP codes

47456 Quincy (4 mi) 46128 Fillmore (9.2 mi) 46171 Reelsville (9.7 mi) 46180 Stilesville (10.4 mi) 46135 Greencastle (10.7 mi) 47868 Poland (11 mi) 46121 Coatesville (11.5 mi) 46166 Paragon (12.6 mi) 46157 Monrovia (13.6 mi) 47433 Gosport (14 mi) 47833 Bowling Green (15.2 mi) 47460 Spencer (15.4 mi)

Demographics updated 05/2026

Population
Total population	5,881
Population density	64 / sq mi
State FIPS	18
County FIPS	133

Geography
Land area	91.66 sq mi
Water area	0.89 sq mi
Latitude	39.5226
Longitude	-86.7728
Timezone	Eastern (ET)
Area code	765

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.6%	38.9%	42.9%
$50k – $100k	38.6%	39.1%	32.7%
$100k – $200k	15.2%	19.8%	19.8%
Over $200k	2.6%	2.2%	4.5%

Demographics & statistics

5,881

Population

People per sq mi

49.5

Median age

$49,942

Median household income

$30,023

Per capita income

$159,800

Median home value

$774

Median monthly rent

72.4%

Home ownership

9.1%

Poverty rate

3.9%

Unemployment

2,168

Housing units

13.4%

Bachelor's or higher

Age distribution

Male Female

110

Under 5

113

146

5–9

151

170

10–14

175

145

15–19

149

131

20–24

136

380

25–34

392

239

35–44

247

363

45–54

376

309

55–59

319

298

60–64

308

314

65–74

325

237

75–84

245

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,109	18.9%
18 and over	4,772	81.1%
65 and over	1,224	20.8%
Median age	49.5 years

Race & ethnicity

White 97%

Two or more races 1.8%

Black or African American 0.5%

Hispanic or Latino 0.3%

Other race 0.3%

Group	Count	%
White	5,725	97%
Two or more races	109	1.8%
Black or African American	28	0.5%
Hispanic or Latino	19	0.3%
Other race	19	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.6%	38.9%	42.9%
$50k – $100k	38.6%	39.1%	32.7%
$100k – $200k	15.2%	19.8%	19.8%
Over $200k	2.6%	2.2%	4.5%

Under $10k 2.6%

$10k–$15k 5.1%

$15k–$25k 14.4%

$25k–$35k 7.7%

$35k–$50k 20.2%

$50k–$75k 13.8%

$75k–$100k 11.7%

$100k–$150k 14.6%

$150k–$200k 8.2%

$200k+ 1.5%

Range	% of households
Under $10k	2.6%
$10k–$15k	5.1%
$15k–$25k	14.4%
$25k–$35k	7.7%
$35k–$50k	20.2%
$50k–$75k	13.8%
$75k–$100k	11.7%
$100k–$150k	14.6%
$150k–$200k	8.2%
$200k+	1.5%
Median income	$49,942

Housing

Home values

Under $50k 6.4%

$50k–$100k 17.8%

$100k–$150k 18.7%

$150k–$200k 21.2%

$200k–$300k 19.2%

$300k–$500k 14.9%

$500k–$1M 1.8%

Housing overview

Metric	Value
Median home value	$159,800
Median rent / month	$774
Owner occupied	72.4%
Renter occupied	27.6%
Vacant	8.8%
Single-family detached	71.7%
Large apartment buildings	2.0%
Mobile homes	15.8%
Median rooms	6.0
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.9%
2010–2019	5.3%
2000–2009	6.3%
1990–1999	22.8%
1980–1989	18.2%
1970–1979	11.4%
1960–1969	10.6%
1950–1959	9.1%
1940–1949	1.7%
1939 or earlier	13.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	7.0%
2 bedrooms	35.3%
3 bedrooms	43.0%
4 bedrooms	12.5%
5+ bedrooms	2.3%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	34.0%
2 vehicles	37.7%
3 or more	25.8%

Heating fuel

Fuel type	%
Utility gas	11.1%
Electricity	41.0%
Propane / LP gas	39.0%
Fuel oil	2.2%
Wood	5.6%

Households & families

Household type	Count	%
Married-couple family	1,402	53.0%
Cohabiting couple	163	6.2%
Male householder, no spouse	628	23.8%
Female householder, no spouse	451	17.1%
Households with children under 18	595	22.5%
Households with seniors (65+)	866	32.8%
Average household size	2.21

Marital status

Status	Male	Female
Never married	29.6%	16.3%
Married	52.3%	63.8%
Separated	1.0%	0.0%
Widowed	4.1%	11.2%
Divorced	13.0%	8.7%

Education

Less than 9th grade 3.8%

Some HS, no diploma 5.8%

HS graduate 43.7%

Some college, no degree 23.3%

Associate's degree 10.1%

Bachelor's degree 9.1%

Graduate / professional 4.2%

Metric	%
HS diploma or higher	90.4%
Bachelor's or higher	13.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	73	6.7%
Kindergarten	38	3.5%
Elementary school	527	48.3%
High school	299	27.4%
College / grad school	154	14.1%

Employment

Industry of employment

Retail trade 15.3%

Education & healthcare 14.6%

Construction 14.3%

Transportation & utilities 13.2%

Manufacturing 12.8%

Other services 7.2%

Public administration 5.8%

Professional & management 4.9%

Arts, food & hospitality 4.0%

Finance & real estate 3.8%

Agriculture & mining 2.1%

Wholesale trade 1.6%

Information 0.3%

Occupation

Category	%
Management, business & arts	28.4%
Service	11.8%
Sales & office	18.6%
Natural resources & construction	19.2%
Production & transportation	21.9%

Employment type

Type	%
Private sector	80.5%
Government	12.7%
Self-employed	6.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.9%
Carpool	8.2%
Public transit	0.0%
Walk	6.2%
Work from home	7.8%
Other means	0.0%
Avg commute (minutes)	27.8

Poverty

All people 9.1%

Under 18 years 10.9%

18 and over 8.7%

Married-couple families 1.8%

Female-led households 17.8%

Income support

Source	% of households
Social Security	37.4%
Retirement income	24.3%
Supplemental Security	9.2%
Cash public assistance	2.0%
Food stamps / SNAP	6.8%

Health indicators

Condition	%
Obesity	39.8%
High blood pressure	36.2%
High cholesterol	35.8%
Diabetes	11.9%
Heart disease	7.3%
Stroke	3.3%
Asthma	10.2%
Arthritis	28.4%
Kidney disease	3.0%
Pulmonary disease	9.2%
Cancer	6.8%

Behavior / access	%
Smoking	23.3%
Binge drinking	15.6%
No physical activity	29.1%
Less than 7 hrs sleep	34.4%
Depression	24.5%
Fair or poor health	17.0%
Poor mental health	16.1%
Poor physical health	12.2%
No health insurance	13.1%
Visited doctor (checkup)	74.3%
Visited dentist	59.3%
Cholesterol screening	88.9%
Teeth loss	16.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	540	11.3%

Disability	%
Any disability	22.9%
Under 18	7.2%
18–64 years	22.9%
65 and over	37.3%

Health insurance coverage

Type	%
Private insurance	67.9%
Public insurance	40.4%
No insurance	5.0%
Uninsured under 19	2.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,658	96.2%
Spanish	27	0.5%
Other Indo-European	27	0.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,861	99.7%
Born in same state	5,843	99.4%
Born in different state	4,982	84.7%
Foreign born	18	0.3%
Naturalized citizen	20	0.3%
Not a US citizen	1	5.0%

Ancestry

Ancestry	Count	%
French	566	9.6%
Arab	531	9%
Italian	325	5.5%

Ancestry	Count	%
English	114	1.9%
German	65	1.1%
Dutch	11	0.2%

Technology access

Metric	% of households
Computer access	45.0%
Internet access	92.7%

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

Frequently asked questions about ZIP code 46120

What city is ZIP code 46120 in?

ZIP code 46120 is primarily assigned to Cloverdale, Indiana.

What county is ZIP code 46120 in?

ZIP code 46120 falls within Putnam County, Indiana.

How educated is the population of ZIP code 46120?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 46120 have a large retiree population?

37% of households in ZIP code 46120 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 46120 have a large veteran population?

11% of civilians in ZIP code 46120 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 46120?

The median home value in ZIP code 46120 is $159,800.

What timezone is ZIP code 46120 in?

ZIP code 46120 observes the EST timezone.