46764 ZIP Code — Larwill, IN

Whitley County, Indiana

ZIP code 46764 is located in Larwill, Indiana, within Whitley County. It covers approximately 32.17 square miles and serves a population of 1,485 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46764

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 $217,400. Owner-occupancy is high at 90%, well above the national average.

Median household income is $75,938. 44% 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. The average commute of 24 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 46764 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,485
population
32.17
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46764 ZIP code map
Cities in ZIP code 46764

Below are the cities the US Postal Service accepts for ZIP code 46764. Using any city not on this list may result in mail delivery delays.

City Status
Larwill Acceptable
Larwill Preferred
Nearby ZIP codes
46562 Pierceton (3.4 mi) 46555 North Webster (7.9 mi) 46725 Columbia City (8.8 mi) 46590 Winona Lake (9.5 mi) 46760 Kimmell (10 mi) 46787 South Whitley (10.4 mi) 46732 Cromwell (10.8 mi) 46582 Warsaw (12.3 mi) 46538 Leesburg (12.8 mi) 46580 Warsaw (13.4 mi) 46567 Syracuse (13.7 mi) 46701 Albion (13.9 mi)
Demographics updated 05/2026
Population
Total population 1,485
Population density 46 / sq mi
State FIPS 18
County FIPS 183
Geography
Land area 32.17 sq mi
Water area 0.20 sq mi
Latitude 41.2212
Longitude -85.6229
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 28.3% 38.0% 42.9%
$50k – $100k 36.7% 38.5% 32.7%
$100k – $200k 34.9% 20.3% 19.8%
Over $200k 0.0% 3.2% 4.5%

Demographics & statistics

1,485
Population
46
People per sq mi
34.9
Median age
$75,938
Median household income
$27,016
Per capita income
$217,400
Median home value
$983
Median monthly rent
89.9%
Home ownership
15.4%
Poverty rate
3.9%
Unemployment
449
Housing units
22.0%
Bachelor's or higher

Age distribution

Male Female
71
Under 5
95
47
5–9
64
49
10–14
67
63
15–19
84
16
20–24
21
72
25–34
96
98
35–44
133
44
45–54
60
46
55–59
63
21
60–64
28
66
65–74
90
37
75–84
50
2
85+
2
← Male
Female →

Age summary

GroupCount%
Under 1849633.4%
18 and over98966.6%
65 and over24716.6%
Median age34.9 years

Race & ethnicity

White 76%
Two or more races 12.9%
Hispanic or Latino 4.3%
Other race 4.3%
Black or African American 1%
Asian 0.9%
American Indian / Alaska Native 0.6%
GroupCount%
White1,17976%
Two or more races20012.9%
Hispanic or Latino674.3%
Other race664.3%
Black or African American161%
Asian140.9%
American Indian / Alaska Native100.6%

Household income

Income range This ZIP County avg State avg
Under $50k 28.3% 38.0% 42.9%
$50k – $100k 36.7% 38.5% 32.7%
$100k – $200k 34.9% 20.3% 19.8%
Over $200k 0.0% 3.2% 4.5%
Under $10k 3.5%
$10k–$15k 7.3%
$15k–$25k 4.0%
$25k–$35k 5.3%
$35k–$50k 1.5%
$50k–$75k 28.1%
$75k–$100k 16.3%
$100k–$150k 24.8%
$150k–$200k 9.2%
Range% of households
Under $10k3.5%
$10k–$15k7.3%
$15k–$25k4.0%
$25k–$35k5.3%
$35k–$50k1.5%
$50k–$75k28.1%
$75k–$100k16.3%
$100k–$150k24.8%
$150k–$200k9.2%
Median income$75,938

Housing

Home values

Under $50k 16.6%
$50k–$100k 11.2%
$100k–$150k 11.0%
$150k–$200k 8.3%
$200k–$300k 13.2%
$300k–$500k 36.4%
$500k–$1M 3.2%

Housing overview

MetricValue
Median home value$217,400
Median rent / month$983
Owner occupied89.9%
Renter occupied10.1%
Vacant8.1%
Single-family detached91.1%
Large apartment buildings0.0%
Mobile homes8.3%
Median rooms6.0
Avg household size (owned)3.34

Year built

Era%
2020 or later0.0%
2010–201922.0%
2000–200917.8%
1990–19999.5%
1980–19894.6%
1970–19794.8%
1960–19695.7%
1950–19599.7%
1940–19491.0%
1939 or earlier24.8%

Bedrooms

Size% of units
No bedroom (studio)0.0%
1 bedroom20.2%
2 bedrooms8.1%
3 bedrooms50.3%
4 bedrooms9.7%
5+ bedrooms11.7%

Vehicles per household

Vehicles% of households
No vehicle0.4%
1 vehicle27.9%
2 vehicles32.3%
3 or more39.3%

Heating fuel

Fuel type%
Utility gas8.6%
Electricity45.3%
Propane / LP gas36.5%
Fuel oil4.8%
Wood2.4%
No fuel used2.4%

Households & families

Household typeCount%
Married-couple family32571.4%
Cohabiting couple419.0%
Male householder, no spouse5111.2%
Female householder, no spouse388.4%
Households with children under 1818540.7%
Households with seniors (65+)15233.4%
Average household size3.26

Marital status

StatusMaleFemale
Never married9.7%27.1%
Married71.0%61.8%
Separated2.1%1.9%
Widowed1.5%1.0%
Divorced15.7%8.2%

Education

Less than 9th grade 4.3%
Some HS, no diploma 4.2%
HS graduate 35.8%
Some college, no degree 22.8%
Associate's degree 10.9%
Bachelor's degree 17.3%
Graduate / professional 4.7%
Metric%
HS diploma or higher91.5%
Bachelor's or higher22.0%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool7617.7%
Kindergarten112.6%
Elementary school19745.8%
High school12529.1%
College / grad school214.9%

Employment

Industry of employment

Manufacturing 43.5%
Education & healthcare 17.0%
Retail trade 8.6%
Construction 8.1%
Arts, food & hospitality 5.3%
Professional & management 5.2%
Wholesale trade 3.1%
Transportation & utilities 2.9%
Agriculture & mining 1.8%
Finance & real estate 1.8%
Public administration 1.8%
Other services 0.8%
Information 0.3%

Occupation

Category%
Management, business & arts37.5%
Service7.6%
Sales & office15.8%
Natural resources & construction12.6%
Production & transportation26.5%

Employment type

Type%
Private sector80.1%
Government15.5%
Self-employed4.4%
Unpaid family workers0.0%

Commute

Method%
Drive alone95.3%
Carpool4.2%
Public transit0.0%
Walk0.0%
Work from home0.5%
Other means0.0%
Avg commute (minutes)23.9

Poverty

All people 15.4%
Under 18 years 23.5%
18 and over 11.4%
Married-couple families 5.8%
Female-led households 16.7%

Income support

Source% of households
Social Security43.5%
Retirement income29.5%
Supplemental Security7.7%
Cash public assistance2.9%
Food stamps / SNAP6.2%

Health indicators

Condition%
Obesity37.3%
High blood pressure33.5%
High cholesterol33.7%
Diabetes10.0%
Heart disease6.5%
Stroke2.9%
Asthma9.7%
Arthritis26.1%
Kidney disease2.7%
Pulmonary disease7.8%
Cancer6.5%
Behavior / access%
Smoking21.8%
Binge drinking17.4%
No physical activity25.1%
Less than 7 hrs sleep34.4%
Depression24.0%
Fair or poor health14.5%
Poor mental health15.5%
Poor physical health10.7%
No health insurance12.5%
Visited doctor (checkup)73.3%
Visited dentist64.0%
Cholesterol screening89.0%
Teeth loss16.1%

Veterans & disability

VeteransCount%
Civilian veterans313.1%
Disability%
Any disability14.7%
Under 182.0%
18–64 years15.6%
65 and over37.7%

Health insurance coverage

Type%
Private insurance73.7%
Public insurance32.5%
No insurance3.3%
Uninsured under 190.6%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,31988.8%
Spanish40.3%
Other Indo-European30.2%
Asian & Pacific Islander00.0%
Other languages10.1%

Place of birth & citizenship

OriginCount%
Native born (US)1,45798.1%
Born in same state1,45798.1%
Born in different state1,28686.6%
Foreign born00.0%
Naturalized citizen281.9%
Not a US citizen1450.0%

Ancestry

AncestryCount%
French23415.8%
Italian916.1%
Arab533.6%
AncestryCount%
German40.3%
English20.1%

Technology access

Metric% of households
Computer access30.6%
Internet access98.5%

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

Frequently asked questions about ZIP code 46764

What city is ZIP code 46764 in?

ZIP code 46764 is primarily assigned to Larwill, Indiana.

What county is ZIP code 46764 in?

ZIP code 46764 falls within Whitley County, Indiana.

Is ZIP code 46764 family-oriented?

33% of residents in ZIP code 46764 are under 18, reflecting a younger, family-oriented community.

Is ZIP code 46764 mostly owner-occupied?

90% of occupied units in ZIP code 46764 are owner-occupied, well above the national average.

Does ZIP code 46764 have a large retiree population?

44% of households in ZIP code 46764 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 46764?

15% of residents in ZIP code 46764 live below the poverty line, above the national average.

What timezone is ZIP code 46764 in?

ZIP code 46764 observes the EST timezone.

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