46738 ZIP Code — Garrett, IN

Dekalb County, Indiana

ZIP code 46738 is located in Garrett, Indiana, within Dekalb County. It covers approximately 26.04 square miles and serves a population of 8,339 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46738

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 $139,800. Owner-occupancy is high at 84%, well above the national average.

Median household income is $59,656. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 21 minutes is near the national average.

College attainment at 16% 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.

Overall, ZIP code 46738 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

8,339

population

26.04

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46738 ZIP code map

Cities in ZIP code 46738

Below are the cities the US Postal Service accepts for ZIP code 46738. Using any city not on this list may result in mail delivery delays.

City	Status
Garrett	Acceptable
Garrett	Preferred

Nearby ZIP codes

46748 Huntertown (5.2 mi) 46763 Laotto (5.2 mi) 46706 Auburn (5.7 mi) 46710 Avilla (6.1 mi) 46845 Fort Wayne (7.9 mi) 46765 Leo (8.2 mi) 46730 Corunna (9.1 mi) 46755 Kendallville (10.9 mi) 46793 Waterloo (11.2 mi) 46825 Fort Wayne (12.1 mi) 46835 Fort Wayne (12.2 mi) 46723 Churubusco (12.3 mi)

Demographics updated 06/2026

Population
Total population	8,339
Population density	320 / sq mi
State FIPS	18
County FIPS	033

Geography
Land area	26.04 sq mi
Water area	0.07 sq mi
Latitude	41.3228
Longitude	-85.1404
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	50.2%	41.8%	42.9%
$50k – $100k	38.9%	37.0%	32.7%
$100k – $200k	9.6%	18.4%	19.8%
Over $200k	1.3%	2.8%	4.5%

Demographics & statistics

8,339

Population

320

People per sq mi

38.5

Median age

$59,656

Median household income

$29,761

Per capita income

$139,800

Median home value

$827

Median monthly rent

83.7%

Home ownership

10.8%

Poverty rate

4.0%

Unemployment

3,106

Housing units

15.9%

Bachelor's or higher

Age distribution

Male Female

307

Under 5

362

216

5–9

254

281

10–14

332

205

15–19

241

208

20–24

246

513

25–34

604

440

35–44

518

456

45–54

538

271

55–59

320

256

60–64

302

420

65–74

496

190

75–84

224

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,036	24.4%
18 and over	6,303	75.6%
65 and over	1,469	17.6%
Median age	38.5 years

Race & ethnicity

White 93.1%

Two or more races 3.4%

Asian 1.5%

Hispanic or Latino 1.3%

Black or African American 0.5%

Other race 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	7,863	93.1%
Two or more races	284	3.4%
Asian	127	1.5%
Hispanic or Latino	111	1.3%
Black or African American	46	0.5%
Other race	10	0.1%
American Indian / Alaska Native	9	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.2%	41.8%	42.9%
$50k – $100k	38.9%	37.0%	32.7%
$100k – $200k	9.6%	18.4%	19.8%
Over $200k	1.3%	2.8%	4.5%

Under $10k 1.3%

$10k–$15k 3.1%

$15k–$25k 9.0%

$25k–$35k 8.8%

$35k–$50k 18.1%

$50k–$75k 24.6%

$75k–$100k 18.2%

$100k–$150k 12.4%

$150k–$200k 1.8%

$200k+ 2.8%

Range	% of households
Under $10k	1.3%
$10k–$15k	3.1%
$15k–$25k	9.0%
$25k–$35k	8.8%
$35k–$50k	18.1%
$50k–$75k	24.6%
$75k–$100k	18.2%
$100k–$150k	12.4%
$150k–$200k	1.8%
$200k+	2.8%
Median income	$59,656

Housing

Home values

Under $50k 5.7%

$50k–$100k 17.5%

$100k–$150k 32.5%

$150k–$200k 13.2%

$200k–$300k 20.2%

$300k–$500k 9.7%

$500k–$1M 1.0%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$139,800
Median rent / month	$827
Owner occupied	83.7%
Renter occupied	16.3%
Vacant	8.2%
Single-family detached	80.8%
Large apartment buildings	0.7%
Mobile homes	6.0%
Median rooms	6.3
Avg household size (owned)	2.53

Year built

Era	%
2020 or later	0.9%
2010–2019	6.6%
2000–2009	7.8%
1990–1999	15.9%
1980–1989	6.1%
1970–1979	8.7%
1960–1969	6.5%
1950–1959	6.5%
1940–1949	3.2%
1939 or earlier	37.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.5%
2 bedrooms	20.2%
3 bedrooms	50.7%
4 bedrooms	20.0%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	28.8%
2 vehicles	45.5%
3 or more	23.2%

Heating fuel

Fuel type	%
Utility gas	72.1%
Electricity	21.1%
Propane / LP gas	6.3%
Wood	0.4%

Households & families

Household type	Count	%
Married-couple family	1,863	55.6%
Cohabiting couple	328	9.8%
Male householder, no spouse	400	11.9%
Female householder, no spouse	760	22.7%
Households with children under 18	1,076	32.1%
Households with seniors (65+)	996	29.7%
Average household size	2.46

Marital status

Status	Male	Female
Never married	23.1%	22.0%
Married	64.7%	50.3%
Separated	0.9%	1.0%
Widowed	2.6%	9.8%
Divorced	8.7%	16.8%

Education

Less than 9th grade 2.5%

Some HS, no diploma 8.9%

HS graduate 42.1%

Some college, no degree 21.9%

Associate's degree 8.6%

Bachelor's degree 11.8%

Graduate / professional 4.1%

Metric	%
HS diploma or higher	88.6%
Bachelor's or higher	15.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	176	9.1%
Kindergarten	111	5.7%
Elementary school	914	47.3%
High school	397	20.5%
College / grad school	336	17.4%

Employment

Industry of employment

Manufacturing 37.6%

Education & healthcare 17.4%

Retail trade 12.8%

Finance & real estate 6.5%

Professional & management 6.5%

Arts, food & hospitality 5.4%

Construction 4.9%

Other services 2.7%

Transportation & utilities 2.1%

Wholesale trade 1.7%

Public administration 1.0%

Agriculture & mining 0.8%

Information 0.7%

Occupation

Category	%
Management, business & arts	21.6%
Service	12.1%
Sales & office	18.2%
Natural resources & construction	9.2%
Production & transportation	38.8%

Employment type

Type	%
Private sector	91.9%
Government	5.4%
Self-employed	2.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	88.0%
Carpool	8.3%
Public transit	0.3%
Walk	0.1%
Work from home	2.3%
Other means	1.0%
Avg commute (minutes)	20.5

Poverty

All people 10.8%

Under 18 years 12.0%

18 and over 10.4%

Married-couple families 2.7%

Female-led households 29.9%

Income support

Source	% of households
Social Security	34.8%
Retirement income	24.3%
Supplemental Security	5.2%
Cash public assistance	0.8%
Food stamps / SNAP	9.1%

Health indicators

Condition	%
Obesity	38.4%
High blood pressure	34.8%
High cholesterol	33.1%
Diabetes	10.3%
Heart disease	6.5%
Stroke	3.0%
Asthma	10.2%
Arthritis	25.6%
Kidney disease	2.8%
Pulmonary disease	8.2%
Cancer	6.3%

Behavior / access	%
Smoking	22.8%
Binge drinking	16.8%
No physical activity	26.1%
Less than 7 hrs sleep	32.3%
Depression	24.2%
Fair or poor health	15.8%
Poor mental health	16.4%
Poor physical health	11.4%
No health insurance	14.0%
Visited doctor (checkup)	72.6%
Visited dentist	62.0%
Cholesterol screening	87.3%
Teeth loss	17.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	351	5.6%

Disability	%
Any disability	14.6%
Under 18	5.5%
18–64 years	14.1%
65 and over	29.5%

Health insurance coverage

Type	%
Private insurance	69.8%
Public insurance	35.7%
No insurance	5.7%
Uninsured under 19	7.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,670	92.0%
Spanish	42	0.5%
Other Indo-European	28	0.4%
Asian & Pacific Islander	0	0.0%
Other languages	14	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,243	98.8%
Born in same state	8,212	98.5%
Born in different state	6,457	77.4%
Foreign born	31	0.4%
Naturalized citizen	96	1.2%
Not a US citizen	80	83.3%

Ancestry

Ancestry	Count	%
French	912	10.9%
Italian	853	10.2%
Arab	646	7.7%
English	54	0.6%

Ancestry	Count	%
Irish	43	0.5%
Norwegian	18	0.2%
Polish	14	0.2%
German	2	0%

Technology access

Metric	% of households
Computer access	40.2%
Internet access	88.7%

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

Frequently asked questions about ZIP code 46738

What city is ZIP code 46738 in?

ZIP code 46738 is primarily assigned to Garrett, Indiana.

What county is ZIP code 46738 in?

ZIP code 46738 falls within Dekalb County, Indiana.

Is ZIP code 46738 mostly owner-occupied?

84% of occupied units in ZIP code 46738 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 46738?

The median home value in ZIP code 46738 is $139,800.

What is the population of ZIP code 46738?

ZIP code 46738 has an estimated population of 8,339 residents, with a density of 320 people per square mile.

What is the median household income in ZIP code 46738?

The median household income in ZIP code 46738 is $59,656, below the national median of ~$75,000.

What timezone is ZIP code 46738 in?

ZIP code 46738 observes the EST timezone.