46845 ZIP Code — Fort Wayne, IN

Allen County, Indiana

ZIP code 46845 is located in Fort Wayne, Indiana, within Allen County. It covers approximately 22.88 square miles and serves a population of 28,011 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46845

The housing stock consists of predominantly single-family detached homes. Much of the housing stock is relatively new, reflecting recent development activity. Median home value is $285,400. Owner-occupancy is high at 87%, well above the national average.

The gap between median ($109,494) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 33% 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 21 minutes is near the national average.

Educational attainment is high — 52% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 46845 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

28,011

population

22.88

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46845 ZIP code map

Cities in ZIP code 46845

Below are the cities the US Postal Service accepts for ZIP code 46845. Using any city not on this list may result in mail delivery delays.

City	Status
Fort Wayne	Acceptable
Fort Wayne	Preferred

Nearby ZIP codes

46765 Leo (3.2 mi) 46748 Huntertown (3.9 mi) 46835 Fort Wayne (4.4 mi) 46825 Fort Wayne (4.5 mi) 46738 Garrett (7.9 mi) 46805 Fort Wayne (8 mi) 46815 Fort Wayne (8 mi) 46741 Grabill (8.4 mi) 46818 Fort Wayne (8.5 mi) 46808 Fort Wayne (8.8 mi) 46706 Auburn (9.1 mi) 46763 Laotto (9.3 mi)

Demographics updated 05/2026

Population
Total population	28,011
Population density	1,224 / sq mi
State FIPS	18
County FIPS	003

Geography
Land area	22.88 sq mi
Water area	0.04 sq mi
Latitude	41.2131
Longitude	-85.0993
Timezone	Eastern (ET)
Area code	260

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.0%	43.7%	42.9%
$50k – $100k	35.6%	34.2%	32.7%
$100k – $200k	36.2%	18.1%	19.8%
Over $200k	13.2%	4.0%	4.5%

Demographics & statistics

28,011

Population

1,224

People per sq mi

41.8

Median age

$109,494

Median household income

$52,097

Per capita income

$285,400

Median home value

$1,377

Median monthly rent

86.5%

Home ownership

3.4%

Poverty rate

1.7%

Unemployment

9,031

Housing units

51.6%

Bachelor's or higher

Age distribution

Male Female

813

Under 5

812

970

5–9

970

1,223

10–14

1,222

978

15–19

977

474

20–24

474

1,297

25–34

1,296

1,831

35–44

1,829

2,111

45–54

2,108

860

55–59

860

900

60–64

899

1,788

65–74

1,787

577

75–84

577

189

85+

189

← Male

Female →

Age summary

Group	Count	%
Under 18	7,315	26.1%
18 and over	20,696	73.9%
65 and over	5,107	18.2%
Median age	41.8 years

Race & ethnicity

White 86.4%

Asian 3.6%

Black or African American 3.3%

Two or more races 2.9%

Hispanic or Latino 2.1%

Other race 1.6%

American Indian / Alaska Native 0.1%

Group	Count	%
White	24,721	86.4%
Asian	1,043	3.6%
Black or African American	933	3.3%
Two or more races	827	2.9%
Hispanic or Latino	600	2.1%
Other race	448	1.6%
American Indian / Alaska Native	33	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.0%	43.7%	42.9%
$50k – $100k	35.6%	34.2%	32.7%
$100k – $200k	36.2%	18.1%	19.8%
Over $200k	13.2%	4.0%	4.5%

Under $10k 1.1%

$10k–$15k 0.6%

$15k–$25k 1.2%

$25k–$35k 3.8%

$35k–$50k 7.2%

$50k–$75k 15.3%

$75k–$100k 15.8%

$100k–$150k 21.3%

$150k–$200k 16.1%

$200k+ 17.5%

Range	% of households
Under $10k	1.1%
$10k–$15k	0.6%
$15k–$25k	1.2%
$25k–$35k	3.8%
$35k–$50k	7.2%
$50k–$75k	15.3%
$75k–$100k	15.8%
$100k–$150k	21.3%
$150k–$200k	16.1%
$200k+	17.5%
Median income	$109,494

Housing

Home values

Under $50k 1.7%

$50k–$100k 0.1%

$100k–$150k 4.8%

$150k–$200k 14.8%

$200k–$300k 33.3%

$300k–$500k 38.0%

$500k–$1M 6.6%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$285,400
Median rent / month	$1,377
Owner occupied	86.5%
Renter occupied	13.5%
Vacant	1.3%
Single-family detached	89.5%
Large apartment buildings	5.9%
Mobile homes	0.0%
Median rooms	7.3
Avg household size (owned)	2.84

Year built

Era	%
2020 or later	1.1%
2010–2019	24.4%
2000–2009	24.0%
1990–1999	21.4%
1980–1989	9.9%
1970–1979	10.4%
1960–1969	3.5%
1950–1959	2.7%
1940–1949	1.0%
1939 or earlier	1.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	4.2%
2 bedrooms	9.2%
3 bedrooms	42.4%
4 bedrooms	34.2%
5+ bedrooms	9.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	22.5%
2 vehicles	47.2%
3 or more	27.4%

Heating fuel

Fuel type	%
Utility gas	77.2%
Electricity	18.8%
Propane / LP gas	2.3%
Fuel oil	0.1%
Wood	0.7%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	7,386	71.8%
Cohabiting couple	277	2.7%
Male householder, no spouse	960	9.3%
Female householder, no spouse	1,665	16.2%
Households with children under 18	3,892	37.8%
Households with seniors (65+)	3,368	32.7%
Average household size	2.72

Marital status

Status	Male	Female
Never married	22.3%	18.7%
Married	71.1%	66.9%
Separated	0.8%	1.0%
Widowed	2.0%	4.8%
Divorced	3.8%	8.6%

Education

Less than 9th grade 1.3%

Some HS, no diploma 1.4%

HS graduate 17.8%

Some college, no degree 18.6%

Associate's degree 9.2%

Bachelor's degree 33.1%

Graduate / professional 18.5%

Metric	%
HS diploma or higher	97.3%
Bachelor's or higher	51.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	814	10.9%
Kindergarten	337	4.5%
Elementary school	3,417	45.8%
High school	1,791	24.0%
College / grad school	1,101	14.8%

Employment

Industry of employment

Education & healthcare 27.8%

Manufacturing 17.7%

Retail trade 10.1%

Professional & management 9.3%

Finance & real estate 9.2%

Arts, food & hospitality 7.4%

Other services 5.1%

Construction 3.7%

Public administration 3.5%

Transportation & utilities 2.7%

Wholesale trade 2.5%

Information 0.8%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	51.4%
Service	10.4%
Sales & office	20.6%
Natural resources & construction	4.0%
Production & transportation	13.6%

Employment type

Type	%
Private sector	86.1%
Government	10.0%
Self-employed	3.6%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	80.6%
Carpool	7.2%
Public transit	0.0%
Walk	0.4%
Work from home	11.4%
Other means	0.4%
Avg commute (minutes)	20.8

Poverty

All people 3.4%

Under 18 years 5.3%

18 and over 2.7%

Married-couple families 1.2%

Female-led households 14.4%

Income support

Source	% of households
Social Security	33.3%
Retirement income	31.7%
Supplemental Security	1.8%
Cash public assistance	0.8%
Food stamps / SNAP	1.4%

Health indicators

Condition	%
Obesity	32.1%
High blood pressure	28.7%
High cholesterol	29.9%
Diabetes	7.9%
Heart disease	5.0%
Stroke	2.1%
Asthma	9.3%
Arthritis	23.2%
Kidney disease	2.2%
Pulmonary disease	5.4%
Cancer	6.5%

Behavior / access	%
Smoking	15.6%
Binge drinking	17.6%
No physical activity	18.2%
Less than 7 hrs sleep	29.3%
Depression	21.6%
Fair or poor health	9.9%
Poor mental health	13.1%
Poor physical health	8.2%
No health insurance	8.6%
Visited doctor (checkup)	74.4%
Visited dentist	73.2%
Cholesterol screening	91.4%
Teeth loss	9.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,452	7.0%

Disability	%
Any disability	9.3%
Under 18	3.4%
18–64 years	5.1%
65 and over	31.0%

Health insurance coverage

Type	%
Private insurance	83.0%
Public insurance	24.1%
No insurance	4.0%
Uninsured under 19	2.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	26,386	94.2%
Spanish	255	1.0%
Other Indo-European	115	0.4%
Asian & Pacific Islander	37	0.1%
Other languages	52	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	26,664	95.2%
Born in same state	26,480	94.5%
Born in different state	18,586	66.4%
Foreign born	184	0.7%
Naturalized citizen	1,347	4.8%
Not a US citizen	967	71.8%

Ancestry

Ancestry	Count	%
French	3,683	13.1%
Italian	3,652	13%
Arab	1,531	5.5%
English	322	1.1%
Irish	127	0.5%

Ancestry	Count	%
Polish	121	0.4%
Norwegian	27	0.1%
German	15	0.1%
Dutch	15	0.1%

Technology access

Metric	% of households
Computer access	36.7%
Internet access	97.0%

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

Frequently asked questions about ZIP code 46845

What city is ZIP code 46845 in?

ZIP code 46845 is primarily assigned to Fort Wayne, Indiana.

What county is ZIP code 46845 in?

ZIP code 46845 falls within Allen County, Indiana.

Is ZIP code 46845 mostly owner-occupied?

87% of occupied units in ZIP code 46845 are owner-occupied, well above the national average.

How educated is the population of ZIP code 46845?

52% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the median household income in ZIP code 46845?

The median household income in ZIP code 46845 is $109,494, above the national median of ~$75,000.

What is the population of ZIP code 46845?

ZIP code 46845 has an estimated population of 28,011 residents, with a density of 1,224 people per square mile.

What timezone is ZIP code 46845 in?

ZIP code 46845 observes the EST timezone.