46920 ZIP Code — Cutler, IN

Carroll County, Indiana

ZIP code 46920 is located in Cutler, Indiana, within Carroll County. It covers approximately 31.91 square miles and serves a population of 1,306 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 765.

About ZIP code 46920

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 $238,500. Owner-occupancy is high at 97%, well above the national average.

Median household income is $106,250.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks. 19% of residents lack health insurance, above the national average.

1,306

population

31.91

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46920 ZIP code map

Cities in ZIP code 46920

Below are the cities the US Postal Service accepts for ZIP code 46920. Using any city not on this list may result in mail delivery delays.

City	Status
Cutler	Preferred

Nearby ZIP codes

46915 Burlington (4.9 mi) 46929 Flora (5.3 mi) 46065 Rossville (7.4 mi) 46041 Frankfort (10.3 mi) 46057 Michigantown (10.5 mi) 46058 Mulberry (10.8 mi) 46058 Mulberry (10.8 mi) 46979 Russiaville (11 mi) 46917 Camden (11 mi) 46039 Forest (11.4 mi) 46923 Delphi (11.4 mi) 46932 Galveston (15.3 mi)

Demographics updated 05/2026

Population
Total population	1,306
Population density	41 / sq mi
State FIPS	18
County FIPS	015

Geography
Land area	31.91 sq mi
Water area	0.00 sq mi
Latitude	40.4675
Longitude	-86.4862
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	41.4%	46.2%	42.9%
$50k – $100k	30.6%	32.5%	32.7%
$100k – $200k	25.9%	18.3%	19.8%
Over $200k	2.1%	3.0%	4.5%

Demographics & statistics

1,306

Population

People per sq mi

36.6

Median age

$106,250

Median household income

$33,611

Per capita income

$238,500

Median home value

Median monthly rent

97.2%

Home ownership

8.5%

Poverty rate

1.7%

Unemployment

412

Housing units

26.0%

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	443	33.9%
18 and over	863	66.1%
65 and over	219	16.8%
Median age	36.6 years

Race & ethnicity

White 97.2%

Hispanic or Latino 1.1%

Other race 1.1%

Two or more races 0.5%

Group	Count	%
White	1,284	97.2%
Hispanic or Latino	15	1.1%
Other race	15	1.1%
Two or more races	7	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.4%	46.2%	42.9%
$50k – $100k	30.6%	32.5%	32.7%
$100k – $200k	25.9%	18.3%	19.8%
Over $200k	2.1%	3.0%	4.5%

$10k–$15k 10.8%

$15k–$25k 7.8%

$25k–$35k 0.2%

$35k–$50k 2.8%

$50k–$75k 13.9%

$75k–$100k 11.6%

$100k–$150k 41.0%

$150k–$200k 1.7%

$200k+ 10.1%

Range	% of households
$10k–$15k	10.8%
$15k–$25k	7.8%
$25k–$35k	0.2%
$35k–$50k	2.8%
$50k–$75k	13.9%
$75k–$100k	11.6%
$100k–$150k	41.0%
$150k–$200k	1.7%
$200k+	10.1%
Median income	$106,250

Housing

Home values

Under $50k 11.9%

$50k–$100k 3.6%

$100k–$150k 8.7%

$150k–$200k 7.8%

$200k–$300k 34.0%

$300k–$500k 19.4%

$500k–$1M 2.9%

$1M+ 11.7%

Housing overview

Metric	Value
Median home value	$238,500
Median rent / month	$0
Owner occupied	97.2%
Renter occupied	2.8%
Vacant	0.0%
Single-family detached	100.0%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	7.4
Avg household size (owned)	3.11

Year built

Era	%
2020 or later	0.0%
2010–2019	5.7%
2000–2009	23.6%
1990–1999	6.4%
1980–1989	2.1%
1970–1979	20.3%
1960–1969	8.3%
1950–1959	0.2%
1940–1949	2.8%
1939 or earlier	30.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.9%
2 bedrooms	16.0%
3 bedrooms	51.4%
4 bedrooms	24.1%
5+ bedrooms	6.6%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	25.0%
2 vehicles	23.6%
3 or more	48.6%

Heating fuel

Fuel type	%
Utility gas	5.9%
Electricity	29.7%
Propane / LP gas	46.9%
Wood	6.1%

Households & families

Household type	Count	%
Married-couple family	312	73.6%
Cohabiting couple	28	6.6%
Male householder, no spouse	38	9.0%
Female householder, no spouse	46	10.8%
Households with children under 18	226	53.3%
Households with seniors (65+)	144	34.0%
Average household size	3.08

Marital status

Status	Male	Female
Never married	13.6%	22.4%
Married	72.4%	59.3%
Separated	0.0%	0.0%
Widowed	0.0%	8.4%
Divorced	14.1%	9.9%

Education

Less than 9th grade 0.0%

Some HS, no diploma 6.7%

HS graduate 43.0%

Some college, no degree 16.2%

Associate's degree 8.0%

Bachelor's degree 16.0%

Graduate / professional 10.0%

Metric	%
HS diploma or higher	93.3%
Bachelor's or higher	26.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	15	4.6%
Kindergarten	32	9.8%
Elementary school	184	56.3%
High school	96	29.4%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 30.1%

Construction 24.4%

Manufacturing 20.0%

Other services 7.1%

Public administration 6.1%

Professional & management 5.6%

Transportation & utilities 4.7%

Agriculture & mining 2.0%

Occupation

Category	%
Management, business & arts	36.2%
Service	16.7%
Sales & office	7.9%
Natural resources & construction	19.2%
Production & transportation	20.0%

Employment type

Type	%
Private sector	70.0%
Government	12.6%
Self-employed	17.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.3%
Carpool	11.6%
Public transit	0.0%
Walk	3.2%
Work from home	9.9%
Other means	0.0%
Avg commute (minutes)	25.6

Poverty

All people 8.5%

Under 18 years 20.5%

18 and over 2.3%

Married-couple families 0.0%

Female-led households 74.1%

Income support

Source	% of households
Social Security	27.4%
Retirement income	18.2%
Supplemental Security	1.9%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	39.8%
High blood pressure	33.6%
High cholesterol	33.3%
Diabetes	10.1%
Heart disease	6.4%
Stroke	2.8%
Asthma	9.6%
Arthritis	24.9%
Kidney disease	2.6%
Pulmonary disease	7.7%
Cancer	6.5%

Behavior / access	%
Smoking	21.3%
Binge drinking	17.5%
No physical activity	24.2%
Less than 7 hrs sleep	36.9%
Depression	23.8%
Fair or poor health	14.3%
Poor mental health	15.7%
Poor physical health	10.5%
No health insurance	12.4%
Visited doctor (checkup)	73.2%
Visited dentist	63.1%
Cholesterol screening	89.0%
Teeth loss	14.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	54	6.3%

Disability	%
Any disability	7.0%
Under 18	1.6%
18–64 years	4.3%
65 and over	26.0%

Health insurance coverage

Type	%
Private insurance	59.1%
Public insurance	31.2%
No insurance	18.5%
Uninsured under 19	28.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,175	90.0%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,306	100.0%
Born in same state	1,288	98.6%
Born in different state	1,077	82.5%
Foreign born	18	1.4%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	241	18.5%
Arab	240	18.4%
French	117	9%

Ancestry	Count	%
Norwegian	111	8.5%
English	41	3.1%

Technology access

Metric	% of households
Computer access	32.5%
Internet access	82.8%

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

Frequently asked questions about ZIP code 46920

What city is ZIP code 46920 in?

ZIP code 46920 is primarily assigned to Cutler, Indiana.

What county is ZIP code 46920 in?

ZIP code 46920 falls within Carroll County, Indiana.

Is ZIP code 46920 family-oriented?

34% of residents in ZIP code 46920 are under 18, reflecting a younger, family-oriented community.

Is ZIP code 46920 mostly owner-occupied?

97% of occupied units in ZIP code 46920 are owner-occupied, well above the national average.

What is the median household income in ZIP code 46920?

The median household income in ZIP code 46920 is $106,250, above the national median of ~$75,000.

What is the population of ZIP code 46920?

ZIP code 46920 has an estimated population of 1,306 residents, with a density of 41 people per square mile.

What timezone is ZIP code 46920 in?

ZIP code 46920 observes the EST timezone.