46511 ZIP Code — Culver, IN

Marshall County, Indiana

ZIP code 46511 is located in Culver, Indiana, within Marshall County. It covers approximately 66.71 square miles and serves a population of 4,061 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46511

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 $213,500. Owner-occupancy is high at 79%, well above the national average.

The gap between median ($56,932) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 22% of residents, above the national average. 41% 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. The average commute of 25 minutes is near the national average.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 46511 reflects a community defined by economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

4,061

population

66.71

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46511 ZIP code map

Cities in ZIP code 46511

Below are the cities the US Postal Service accepts for ZIP code 46511. Using any city not on this list may result in mail delivery delays.

City	Status
Culver	Acceptable
Culver	Preferred

Nearby ZIP codes

46960 Monterey (6 mi) 46501 Argos (9.7 mi) 46531 Grovertown (10.6 mi) 46534 Knox (10.6 mi) 46563 Plymouth (11.9 mi) 46939 Kewanna (14.2 mi) 46975 Rochester (14.8 mi) 46996 Winamac (16.2 mi) 46570 Tippecanoe (16.6 mi) 46366 North Judson (16.7 mi) 46504 Bourbon (17.3 mi) 46532 Hamlet (17.6 mi)

Demographics updated 05/2026

Population
Total population	4,061
Population density	61 / sq mi
State FIPS	18
County FIPS	099

Geography
Land area	66.71 sq mi
Water area	3.34 sq mi
Latitude	41.2151
Longitude	-86.4356
Timezone	Eastern (ET)
Area code	574

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.0%	46.0%	42.9%
$50k – $100k	28.6%	34.2%	32.7%
$100k – $200k	19.0%	17.7%	19.8%
Over $200k	2.5%	2.0%	4.5%

Demographics & statistics

4,061

Population

People per sq mi

48.1

Median age

$56,932

Median household income

$34,823

Per capita income

$213,500

Median home value

$823

Median monthly rent

79.0%

Home ownership

22.0%

Poverty rate

6.1%

Unemployment

2,223

Housing units

28.4%

Bachelor's or higher

Age distribution

Male Female

103

Under 5

5–9

10–14

15–19

180

20–24

160

210

25–34

187

215

35–44

191

271

45–54

241

181

55–59

162

187

60–64

166

256

65–74

228

198

75–84

176

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	613	15.1%
18 and over	3,448	84.9%
65 and over	1,019	25.1%
Median age	48.1 years

Race & ethnicity

White 95.2%

Black or African American 1.3%

Two or more races 1.3%

Hispanic or Latino 1.1%

Other race 0.7%

Asian 0.4%

Group	Count	%
White	3,910	95.2%
Black or African American	53	1.3%
Two or more races	52	1.3%
Hispanic or Latino	46	1.1%
Other race	30	0.7%
Asian	16	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.0%	46.0%	42.9%
$50k – $100k	28.6%	34.2%	32.7%
$100k – $200k	19.0%	17.7%	19.8%
Over $200k	2.5%	2.0%	4.5%

Under $10k 14.1%

$10k–$15k 4.6%

$15k–$25k 5.1%

$25k–$35k 7.4%

$35k–$50k 13.0%

$50k–$75k 18.5%

$75k–$100k 9.0%

$100k–$150k 16.3%

$150k–$200k 5.8%

$200k+ 6.1%

Range	% of households
Under $10k	14.1%
$10k–$15k	4.6%
$15k–$25k	5.1%
$25k–$35k	7.4%
$35k–$50k	13.0%
$50k–$75k	18.5%
$75k–$100k	9.0%
$100k–$150k	16.3%
$150k–$200k	5.8%
$200k+	6.1%
Median income	$56,932

Housing

Home values

Under $50k 3.0%

$50k–$100k 14.8%

$100k–$150k 15.4%

$150k–$200k 12.5%

$200k–$300k 27.4%

$300k–$500k 16.1%

$500k–$1M 4.2%

$1M+ 6.6%

Housing overview

Metric	Value
Median home value	$213,500
Median rent / month	$823
Owner occupied	79.0%
Renter occupied	21.0%
Vacant	34.8%
Single-family detached	85.3%
Large apartment buildings	1.2%
Mobile homes	6.7%
Median rooms	6.9
Avg household size (owned)	2.35

Year built

Era	%
2020 or later	0.4%
2010–2019	5.3%
2000–2009	13.0%
1990–1999	13.8%
1980–1989	14.8%
1970–1979	9.3%
1960–1969	7.4%
1950–1959	5.0%
1940–1949	5.3%
1939 or earlier	25.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	4.6%
2 bedrooms	21.4%
3 bedrooms	47.7%
4 bedrooms	15.2%
5+ bedrooms	10.9%

Vehicles per household

Vehicles	% of households
No vehicle	6.4%
1 vehicle	26.3%
2 vehicles	40.0%
3 or more	27.4%

Heating fuel

Fuel type	%
Utility gas	59.4%
Electricity	10.4%
Propane / LP gas	18.1%
Fuel oil	0.7%
Wood	9.9%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	815	48.5%
Cohabiting couple	158	9.4%
Male householder, no spouse	396	23.6%
Female householder, no spouse	311	18.5%
Households with children under 18	349	20.8%
Households with seniors (65+)	630	37.5%
Average household size	2.38

Marital status

Status	Male	Female
Never married	35.2%	21.6%
Married	45.1%	49.7%
Separated	1.9%	2.2%
Widowed	3.7%	12.0%
Divorced	14.1%	14.5%

Education

Less than 9th grade 4.6%

Some HS, no diploma 7.7%

HS graduate 31.3%

Some college, no degree 18.6%

Associate's degree 9.3%

Bachelor's degree 15.6%

Graduate / professional 12.8%

Metric	%
HS diploma or higher	87.7%
Bachelor's or higher	28.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	71	11.2%
Kindergarten	55	8.7%
Elementary school	198	31.3%
High school	149	23.5%
College / grad school	160	25.3%

Employment

Industry of employment

Education & healthcare 25.1%

Manufacturing 17.8%

Retail trade 13.0%

Professional & management 8.3%

Construction 7.3%

Arts, food & hospitality 5.7%

Finance & real estate 5.6%

Wholesale trade 4.9%

Other services 4.5%

Public administration 3.7%

Information 2.0%

Transportation & utilities 1.4%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	36.5%
Service	13.9%
Sales & office	17.9%
Natural resources & construction	9.0%
Production & transportation	22.7%

Employment type

Type	%
Private sector	80.0%
Government	14.1%
Self-employed	5.1%
Unpaid family workers	0.8%

Commute

Method	%
Drive alone	76.9%
Carpool	5.0%
Public transit	0.7%
Walk	4.0%
Work from home	11.0%
Other means	2.4%
Avg commute (minutes)	25.3

Poverty

All people 22.0%

Under 18 years 13.8%

18 and over 23.2%

Married-couple families 12.6%

Female-led households 38.7%

Income support

Source	% of households
Social Security	41.1%
Retirement income	18.3%
Supplemental Security	2.4%
Cash public assistance	0.9%
Food stamps / SNAP	8.2%

Health indicators

Condition	%
Obesity	40.9%
High blood pressure	39.9%
High cholesterol	35.3%
Diabetes	13.4%
Heart disease	8.9%
Stroke	4.1%
Asthma	10.5%
Arthritis	30.7%
Kidney disease	3.7%
Pulmonary disease	10.6%
Cancer	8.0%

Behavior / access	%
Smoking	21.9%
Binge drinking	14.0%
No physical activity	28.7%
Less than 7 hrs sleep	34.1%
Depression	23.4%
Fair or poor health	19.2%
Poor mental health	15.5%
Poor physical health	13.5%
No health insurance	13.2%
Visited doctor (checkup)	76.1%
Visited dentist	57.9%
Cholesterol screening	89.7%
Teeth loss	18.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	198	5.7%

Disability	%
Any disability	20.3%
Under 18	2.9%
18–64 years	17.9%
65 and over	37.4%

Health insurance coverage

Type	%
Private insurance	61.6%
Public insurance	45.8%
No insurance	3.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,866	95.2%
Spanish	8	0.2%
Other Indo-European	0	0.0%
Asian & Pacific Islander	8	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,961	97.5%
Born in same state	3,936	96.9%
Born in different state	2,718	66.9%
Foreign born	25	0.6%
Naturalized citizen	100	2.5%
Not a US citizen	96	96.0%

Ancestry

Ancestry	Count	%
Italian	391	9.6%
French	386	9.5%
Arab	333	8.2%
Norwegian	66	1.6%

Ancestry	Count	%
English	46	1.1%
Polish	31	0.8%
Irish	21	0.5%
German	13	0.3%

Technology access

Metric	% of households
Computer access	41.4%
Internet access	84.7%

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

Frequently asked questions about ZIP code 46511

What city is ZIP code 46511 in?

ZIP code 46511 is primarily assigned to Culver, Indiana.

What county is ZIP code 46511 in?

ZIP code 46511 falls within Marshall County, Indiana.

Does ZIP code 46511 have an older population?

25% of residents in ZIP code 46511 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 46511?

22% of residents in ZIP code 46511 live below the poverty line, above the national average.

Does ZIP code 46511 have a large retiree population?

41% of households in ZIP code 46511 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 46511?

ZIP code 46511 has an estimated population of 4,061 residents, with a density of 61 people per square mile.

What timezone is ZIP code 46511 in?

ZIP code 46511 observes the EST timezone.