46531 ZIP Code — Grovertown, IN

Starke County, Indiana

ZIP code 46531 is located in Grovertown, Indiana, within Starke County. It covers approximately 21.21 square miles and serves a population of 1,807 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 574.

About ZIP code 46531

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $141,400. Owner-occupancy is high at 93%, well above the national average.

Median household income is $71,053. Poverty affects 20% of residents, above the national average. 48% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. An above-average commute of 36 minutes suggests many residents work outside the immediate area.

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 (24%) compared to national benchmarks. 21% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 33%.

Overall, ZIP code 46531 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

1,807

population

21.21

sq mi land

Standard

ZIP type

Central (CT)

timezone

46531 ZIP code map

Cities in ZIP code 46531

Below are the cities the US Postal Service accepts for ZIP code 46531. Using any city not on this list may result in mail delivery delays.

City	Status
Grovertown	Preferred

Nearby ZIP codes

46534 Knox (7.1 mi) 46532 Hamlet (7.2 mi) 46574 Walkerton (9.4 mi) 46511 Culver (10.6 mi) 46563 Plymouth (11.1 mi) 46340 Hanna (12.2 mi) 46960 Monterey (13.7 mi) 46382 Union Mills (14.8 mi) 46554 North Liberty (15.3 mi) 46366 North Judson (15.7 mi) 46501 Argos (16.6 mi) 46536 Lakeville (16.9 mi)

Demographics updated 05/2026

Population
Total population	1,807
Population density	85 / sq mi
State FIPS	18
County FIPS	149

Geography
Land area	21.21 sq mi
Water area	0.01 sq mi
Latitude	41.3531
Longitude	-86.5243
Timezone	Central (CT)
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	48.6%	48.8%	42.9%
$50k – $100k	35.0%	34.4%	32.7%
$100k – $200k	14.8%	15.1%	19.8%
Over $200k	1.6%	1.7%	4.5%

Demographics & statistics

1,807

Population

People per sq mi

51.9

Median age

$71,053

Median household income

$30,890

Per capita income

$141,400

Median home value

$1,090

Median monthly rent

92.9%

Home ownership

20.0%

Poverty rate

1.8%

Unemployment

614

Housing units

13.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

172

35–44

147

134

45–54

114

55–59

60–64

227

65–74

192

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	306	16.9%
18 and over	1,501	83.1%
65 and over	573	31.7%
Median age	51.9 years

Race & ethnicity

White 85.8%

Hispanic or Latino 5.9%

Other race 5.9%

Two or more races 2.3%

Group	Count	%
White	1,648	85.8%
Hispanic or Latino	114	5.9%
Other race	114	5.9%
Two or more races	45	2.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.6%	48.8%	42.9%
$50k – $100k	35.0%	34.4%	32.7%
$100k – $200k	14.8%	15.1%	19.8%
Over $200k	1.6%	1.7%	4.5%

Under $10k 15.2%

$15k–$25k 2.6%

$25k–$35k 15.4%

$35k–$50k 5.5%

$50k–$75k 13.1%

$75k–$100k 13.9%

$100k–$150k 17.2%

$150k–$200k 9.8%

$200k+ 7.3%

Range	% of households
Under $10k	15.2%
$15k–$25k	2.6%
$25k–$35k	15.4%
$35k–$50k	5.5%
$50k–$75k	13.1%
$75k–$100k	13.9%
$100k–$150k	17.2%
$150k–$200k	9.8%
$200k+	7.3%
Median income	$71,053

Housing

Home values

Under $50k 2.1%

$50k–$100k 35.3%

$100k–$150k 15.5%

$150k–$200k 14.1%

$200k–$300k 29.2%

$300k–$500k 2.7%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$141,400
Median rent / month	$1,090
Owner occupied	92.9%
Renter occupied	7.1%
Vacant	8.1%
Single-family detached	82.8%
Large apartment buildings	0.0%
Mobile homes	17.2%
Median rooms	6.5
Avg household size (owned)	2.99

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	2.0%
1990–1999	25.1%
1980–1989	8.1%
1970–1979	27.1%
1960–1969	3.3%
1950–1959	8.1%
1940–1949	9.3%
1939 or earlier	17.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	32.7%
3 bedrooms	32.0%
4 bedrooms	33.0%
5+ bedrooms	2.3%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	12.6%
2 vehicles	55.6%
3 or more	31.8%

Heating fuel

Fuel type	%
Utility gas	61.3%
Electricity	2.0%
Propane / LP gas	18.0%
Wood	18.7%

Households & families

Household type	Count	%
Married-couple family	305	50.5%
Cohabiting couple	110	18.2%
Male householder, no spouse	143	23.7%
Female householder, no spouse	46	7.6%
Households with children under 18	153	25.3%
Households with seniors (65+)	382	63.2%
Average household size	2.96

Marital status

Status	Male	Female
Never married	22.9%	11.9%
Married	39.6%	53.7%
Separated	3.1%	4.8%
Widowed	3.5%	10.4%
Divorced	30.9%	19.2%

Education

Less than 9th grade 2.2%

Some HS, no diploma 13.9%

HS graduate 42.9%

Some college, no degree 22.1%

Associate's degree 5.5%

Bachelor's degree 8.2%

Graduate / professional 5.2%

Metric	%
HS diploma or higher	83.8%
Bachelor's or higher	13.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	16	5.7%
Elementary school	125	44.6%
High school	114	40.7%
College / grad school	25	8.9%

Employment

Industry of employment

Manufacturing 23.3%

Construction 17.7%

Retail trade 16.4%

Education & healthcare 13.8%

Transportation & utilities 11.8%

Professional & management 9.7%

Public administration 3.9%

Information 1.3%

Other services 1.1%

Arts, food & hospitality 1.0%

Occupation

Category	%
Management, business & arts	34.4%
Service	3.6%
Sales & office	20.1%
Natural resources & construction	18.0%
Production & transportation	24.0%

Employment type

Type	%
Private sector	84.1%
Government	7.8%
Self-employed	8.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	81.0%
Carpool	12.4%
Public transit	0.0%
Walk	0.3%
Work from home	6.2%
Other means	0.0%
Avg commute (minutes)	35.6

Poverty

All people 20.0%

Under 18 years 1.5%

18 and over 22.4%

Married-couple families 3.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	47.7%
Retirement income	24.5%
Supplemental Security	17.1%
Cash public assistance	1.7%
Food stamps / SNAP	6.5%

Health indicators

Condition	%
Obesity	40.0%
High blood pressure	35.8%
High cholesterol	34.0%
Diabetes	11.8%
Heart disease	7.5%
Stroke	3.4%
Asthma	10.2%
Arthritis	28.0%
Kidney disease	3.1%
Pulmonary disease	9.4%
Cancer	6.8%

Behavior / access	%
Smoking	24.1%
Binge drinking	16.7%
No physical activity	28.3%
Less than 7 hrs sleep	35.2%
Depression	24.7%
Fair or poor health	17.7%
Poor mental health	16.5%
Poor physical health	12.5%
No health insurance	14.2%
Visited doctor (checkup)	73.2%
Visited dentist	57.6%
Cholesterol screening	87.9%
Teeth loss	18.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	82	5.5%

Disability	%
Any disability	33.3%
Under 18	37.9%
18–64 years	26.5%
65 and over	41.9%

Health insurance coverage

Type	%
Private insurance	50.4%
Public insurance	39.2%
No insurance	20.6%
Uninsured under 19	29.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,715	94.9%
Spanish	72	4.2%
Other Indo-European	12	0.7%
Asian & Pacific Islander	60	3.5%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,735	96.0%
Born in same state	1,735	96.0%
Born in different state	1,236	68.4%
Foreign born	0	0.0%
Naturalized citizen	72	4.0%
Not a US citizen	60	83.3%

Ancestry

Ancestry	Count	%
Arab	217	12%
Italian	178	9.9%
French	117	6.5%
Polish	21	1.2%

Ancestry	Count	%
English	14	0.8%
German	11	0.6%
Irish	8	0.4%

Technology access

Metric	% of households
Computer access	33.4%
Internet access	76.8%

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

Frequently asked questions about ZIP code 46531

What city is ZIP code 46531 in?

ZIP code 46531 is primarily assigned to Grovertown, Indiana.

What county is ZIP code 46531 in?

ZIP code 46531 falls within Starke County, Indiana.

Does ZIP code 46531 have an older population?

32% of residents in ZIP code 46531 are 65 or older, above the national average of ~17%.

Is ZIP code 46531 mostly owner-occupied?

93% of occupied units in ZIP code 46531 are owner-occupied, well above the national average.

Does ZIP code 46531 have a large retiree population?

48% of households in ZIP code 46531 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 46531?

20% of residents in ZIP code 46531 live below the poverty line, above the national average.

What timezone is ZIP code 46531 in?

ZIP code 46531 observes the CST timezone.