46746 ZIP Code — Howe, IN

Lagrange County, Indiana

ZIP code 46746 is located in Howe, Indiana, within Lagrange County. It covers approximately 71.71 square miles and serves a population of 4,451 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46746

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 $158,400. Owner-occupancy is high at 75%, well above the national average.

Median household income is $82,736. 33% 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 23 minutes is near the national average.

College attainment at 18% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (26%) compared to national benchmarks. 22% of residents lack health insurance, above the national average.

Overall, ZIP code 46746 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,451

population

71.71

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46746 ZIP code map

Cities in ZIP code 46746

Below are the cities the US Postal Service accepts for ZIP code 46746. Using any city not on this list may result in mail delivery delays.

City	Status
Howe	Acceptable
Howe	Preferred

Nearby ZIP codes

46761 Lagrange (5.1 mi) 49091 Sturgis (9.8 mi) 49030 Burr Oak (10 mi) 46795 Wolcottville (10.2 mi) 46565 Shipshewana (10.3 mi) 46776 Orland (11.7 mi) 46571 Topeka (13.5 mi) 46784 Rome City (14.9 mi) 49032 Centreville (14.9 mi) 46747 Hudson (15.4 mi) 49028 Bronson (16 mi) 49099 White Pigeon (16.8 mi)

Demographics updated 05/2026

Population
Total population	4,451
Population density	62 / sq mi
State FIPS	18
County FIPS	087

Geography
Land area	71.71 sq mi
Water area	0.87 sq mi
Latitude	41.7082
Longitude	-85.3763
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	39.1%	34.6%	42.9%
$50k – $100k	38.8%	42.4%	32.7%
$100k – $200k	21.3%	19.2%	19.8%
Over $200k	0.9%	3.7%	4.5%

Demographics & statistics

4,451

Population

People per sq mi

31.9

Median age

$82,736

Median household income

$28,664

Per capita income

$158,400

Median home value

$863

Median monthly rent

75.2%

Home ownership

1.5%

Poverty rate

5.2%

Unemployment

1,263

Housing units

17.9%

Bachelor's or higher

Age distribution

Male Female

199

Under 5

202

163

5–9

165

158

10–14

160

182

15–19

184

206

20–24

208

379

25–34

383

155

35–44

156

340

45–54

343

55–59

114

60–64

116

140

65–74

142

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,237	27.8%
18 and over	3,214	72.2%
65 and over	467	10.5%
Median age	31.9 years

Race & ethnicity

White 87.7%

Two or more races 5.4%

Hispanic or Latino 5.2%

Black or African American 0.7%

Other race 0.7%

Asian 0.3%

Group	Count	%
White	4,118	87.7%
Two or more races	253	5.4%
Hispanic or Latino	244	5.2%
Black or African American	31	0.7%
Other race	31	0.7%
Asian	16	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.1%	34.6%	42.9%
$50k – $100k	38.8%	42.4%	32.7%
$100k – $200k	21.3%	19.2%	19.8%
Over $200k	0.9%	3.7%	4.5%

Under $10k 0.5%

$10k–$15k 0.8%

$15k–$25k 1.8%

$25k–$35k 3.2%

$35k–$50k 19.2%

$50k–$75k 21.0%

$75k–$100k 23.1%

$100k–$150k 20.4%

$150k–$200k 6.3%

$200k+ 3.7%

Range	% of households
Under $10k	0.5%
$10k–$15k	0.8%
$15k–$25k	1.8%
$25k–$35k	3.2%
$35k–$50k	19.2%
$50k–$75k	21.0%
$75k–$100k	23.1%
$100k–$150k	20.4%
$150k–$200k	6.3%
$200k+	3.7%
Median income	$82,736

Housing

Home values

Under $50k 19.1%

$50k–$100k 8.5%

$100k–$150k 17.6%

$150k–$200k 14.6%

$200k–$300k 28.4%

$300k–$500k 7.7%

$500k–$1M 4.2%

Housing overview

Metric	Value
Median home value	$158,400
Median rent / month	$863
Owner occupied	75.2%
Renter occupied	24.8%
Vacant	14.7%
Single-family detached	74.2%
Large apartment buildings	0.0%
Mobile homes	16.4%
Median rooms	6.2
Avg household size (owned)	3.24

Year built

Era	%
2020 or later	0.0%
2010–2019	2.9%
2000–2009	12.3%
1990–1999	9.4%
1980–1989	21.3%
1970–1979	15.3%
1960–1969	6.7%
1950–1959	3.6%
1940–1949	2.1%
1939 or earlier	26.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.7%
2 bedrooms	23.5%
3 bedrooms	55.5%
4 bedrooms	10.4%
5+ bedrooms	4.9%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	26.8%
2 vehicles	37.0%
3 or more	30.7%

Heating fuel

Fuel type	%
Utility gas	54.6%
Electricity	24.7%
Propane / LP gas	14.9%
Fuel oil	0.9%
Wood	4.8%

Households & families

Household type	Count	%
Married-couple family	728	53.3%
Cohabiting couple	149	10.9%
Male householder, no spouse	124	9.1%
Female householder, no spouse	366	26.8%
Households with children under 18	565	41.3%
Households with seniors (65+)	374	27.4%
Average household size	3.18

Marital status

Status	Male	Female
Never married	33.2%	37.3%
Married	47.7%	43.1%
Separated	3.7%	2.8%
Widowed	0.8%	6.4%
Divorced	14.6%	10.4%

Education

Less than 9th grade 15.9%

Some HS, no diploma 5.3%

HS graduate 35.4%

Some college, no degree 21.1%

Associate's degree 4.3%

Bachelor's degree 9.7%

Graduate / professional 8.3%

Metric	%
HS diploma or higher	78.8%
Bachelor's or higher	17.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	61	5.8%
Kindergarten	135	12.9%
Elementary school	421	40.2%
High school	275	26.2%
College / grad school	156	14.9%

Employment

Industry of employment

Manufacturing 30.6%

Retail trade 22.4%

Education & healthcare 9.8%

Professional & management 8.1%

Construction 7.3%

Other services 5.7%

Arts, food & hospitality 4.9%

Agriculture & mining 3.8%

Wholesale trade 3.3%

Transportation & utilities 2.7%

Public administration 0.9%

Finance & real estate 0.4%

Occupation

Category	%
Management, business & arts	23.3%
Service	11.1%
Sales & office	21.2%
Natural resources & construction	11.2%
Production & transportation	33.2%

Employment type

Type	%
Private sector	86.3%
Government	6.8%
Self-employed	6.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.5%
Carpool	8.1%
Public transit	0.0%
Walk	1.4%
Work from home	5.5%
Other means	6.4%
Avg commute (minutes)	23.2

Poverty

All people 1.5%

Under 18 years 2.6%

18 and over 1.1%

Married-couple families 1.6%

Female-led households 0.0%

Income support

Source	% of households
Social Security	33.1%
Retirement income	12.9%
Supplemental Security	3.7%
Cash public assistance	2.9%
Food stamps / SNAP	2.6%

Health indicators

Condition	%
Obesity	40.4%
High blood pressure	37.0%
High cholesterol	34.3%
Diabetes	12.9%
Heart disease	7.9%
Stroke	3.7%
Asthma	10.6%
Arthritis	28.6%
Kidney disease	3.3%
Pulmonary disease	10.5%
Cancer	6.5%

Behavior / access	%
Smoking	25.8%
Binge drinking	15.5%
No physical activity	30.4%
Less than 7 hrs sleep	35.8%
Depression	24.6%
Fair or poor health	20.8%
Poor mental health	17.2%
Poor physical health	13.8%
No health insurance	17.4%
Visited doctor (checkup)	73.7%
Visited dentist	55.4%
Cholesterol screening	86.5%
Teeth loss	21.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	74	2.3%

Disability	%
Any disability	10.6%
Under 18	1.3%
18–64 years	11.0%
65 and over	33.0%

Health insurance coverage

Type	%
Private insurance	56.5%
Public insurance	28.9%
No insurance	21.7%
Uninsured under 19	16.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,050	91.0%
Spanish	310	7.7%
Other Indo-European	183	4.5%
Asian & Pacific Islander	126	3.1%
Other languages	1	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,282	96.2%
Born in same state	4,282	96.2%
Born in different state	2,331	52.4%
Foreign born	0	0.0%
Naturalized citizen	169	3.8%
Not a US citizen	139	82.2%

Ancestry

Ancestry	Count	%
French	434	9.8%
Italian	414	9.3%
Arab	272	6.1%

Ancestry	Count	%
English	88	2%
Polish	4	0.1%

Technology access

Metric	% of households
Computer access	30.7%
Internet access	94.0%

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

Frequently asked questions about ZIP code 46746

What city is ZIP code 46746 in?

ZIP code 46746 is primarily assigned to Howe, Indiana.

What county is ZIP code 46746 in?

ZIP code 46746 falls within Lagrange County, Indiana.

What is the typical home value in ZIP code 46746?

The median home value in ZIP code 46746 is $158,400.

What is the population of ZIP code 46746?

ZIP code 46746 has an estimated population of 4,451 residents, with a density of 62 people per square mile.

What is the median household income in ZIP code 46746?

The median household income in ZIP code 46746 is $82,736, above the national median of ~$75,000.

What timezone is ZIP code 46746 in?

ZIP code 46746 observes the EST timezone.