ZipCodesToGo
Indiana ZIP Codes
Cass County
Lucerne, IN
46950
46950 ZIP Code — Lucerne, IN
Cass County, Indiana
ZIP code 46950 is located in
Lucerne ,
Indiana ,
within Cass County .
It covers approximately 29.64 square miles and serves a population of
432 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 574 .
About ZIP code 46950
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 $114,600. Owner-occupancy is high at 98%, well above the national average.
Median household income is $39,196. The poverty rate of 4% is below the national average. 62% 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 27 minutes is near the national average.
College attainment at 6% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of smoking (22%) compared to national benchmarks.
Overall, ZIP code 46950 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.
46950 ZIP code map
View map of 46950
Cities in ZIP code 46950
Below are the cities the US Postal Service accepts for ZIP code 46950. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
432
Population density
15 / sq mi
State FIPS
18
County FIPS
017
Geography
Land area
29.64 sq mi
Water area
0.00 sq mi
Latitude
40.8788
Longitude
-86.3604
Timezone
Eastern (ET)
Area code
574
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
65.0%
50.9%
42.9%
$50k – $100k
25.8%
33.3%
32.7%
$100k – $200k
9.2%
14.7%
19.8%
Over $200k
0.0%
1.1%
4.5%
Demographics & statistics
$39,196
Median household income
$114,600
Median home value
Age distribution
Age summary
Group Count % Under 18 28 6.5% 18 and over 404 93.5% 65 and over 173 40.0% Median age 58.7 years
Race & ethnicity
Household income
Income range
This ZIP
County avg
State avg
Under $50k
65.0%
50.9%
42.9%
$50k – $100k
25.8%
33.3%
32.7%
$100k – $200k
9.2%
14.7%
19.8%
Over $200k
0.0%
1.1%
4.5%
Range % of households $15k–$25k 6.1% $25k–$35k 39.8% $35k–$50k 28.1% $50k–$75k 2.2% $75k–$100k 15.2% $100k–$150k 5.6% $200k+ 3.0% Median income $39,196
Housing
Housing overview
Metric Value Median home value $114,600 Median rent / month $0 Owner occupied 97.8% Renter occupied 2.2% Vacant 11.8% Single-family detached 93.1% Large apartment buildings 0.0% Mobile homes 6.9% Median rooms 6.8 Avg household size (owned) 1.87
Year built
Era % 2020 or later 0.0% 2010–2019 2.7% 2000–2009 0.0% 1990–1999 6.9% 1980–1989 0.0% 1970–1979 8.0% 1960–1969 9.5% 1950–1959 11.5% 1940–1949 2.7% 1939 or earlier 58.8%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 11.8% 2 bedrooms 17.9% 3 bedrooms 56.1% 4 bedrooms 8.4% 5+ bedrooms 5.7%
Vehicles per household
Vehicles % of households No vehicle 2.6% 1 vehicle 11.7% 2 vehicles 57.6% 3 or more 28.1%
Heating fuel
Fuel type % Utility gas 26.8% Electricity 6.5% Propane / LP gas 24.7% Wood 42.0%
Households & families
Household type Count % Married-couple family 81 35.1% Cohabiting couple 19 8.2% Male householder, no spouse 13 5.6% Female householder, no spouse 118 51.1% Households with children under 18 22 9.5% Households with seniors (65+) 137 59.3% Average household size 1.87
Marital status
Status Male Female Never married 38.9% 6.3% Married 49.7% 35.9% Separated 0.0% 0.0% Widowed 0.0% 36.7% Divorced 11.4% 21.1%
Education
Some HS, no diploma
27.8%
Some college, no degree
9.4%
Graduate / professional
4.1%
Metric % HS diploma or higher 69.9% Bachelor's or higher 6.4%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 8 21.1% Kindergarten 0 0.0% Elementary school 12 31.6% High school 8 21.1% College / grad school 10 26.3%
Employment
Industry of employment
Transportation & utilities
17.3%
Public administration
10.3%
Education & healthcare
9.2%
Professional & management
6.5%
Arts, food & hospitality
2.7%
Occupation
Category % Management, business & arts 25.4% Service 3.8% Sales & office 9.7% Natural resources & construction 11.9% Production & transportation 49.2%
Employment type
Type % Private sector 89.7% Government 10.3% Self-employed 0.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 90.3% Carpool 0.0% Public transit 0.0% Walk 0.0% Work from home 9.7% Other means 0.0% Avg commute (minutes) 26.9
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 61.5% Retirement income 25.5% Supplemental Security 0.0% Cash public assistance 0.0% Food stamps / SNAP 4.8%
Health indicators
Condition % Obesity 39.1% High blood pressure 36.8% High cholesterol 34.8% Diabetes 12.4% Heart disease 8.1% Stroke 3.7% Asthma 10.1% Arthritis 29.4% Kidney disease 3.4% Pulmonary disease 9.5% Cancer 7.8%
Behavior / access % Smoking 22.0% Binge drinking 14.6% No physical activity 28.4% Less than 7 hrs sleep 33.3% Depression 23.0% Fair or poor health 17.2% Poor mental health 15.2% Poor physical health 12.5% No health insurance 12.9% Visited doctor (checkup) 75.4% Visited dentist 61.8% Cholesterol screening 89.9% Teeth loss 17.2%
Veterans & disability
Veterans Count % Civilian veterans 16 4.0%
Disability % Any disability 9.3% Under 18 0.0% 18–64 years 8.2% 65 and over 12.1%
Health insurance coverage
Type % Private insurance 77.3% Public insurance 43.5% No insurance 8.8% Uninsured under 19 15.2%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 424 98.1% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 432 100.0% Born in same state 432 100.0% Born in different state 387 89.6% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Arab 74 17.1% French 23 5.3%
Ancestry Count % Italian 3 0.7%
Technology access
Metric % of households Computer access 53.5% Internet access 89.6%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 46950
What city is ZIP code 46950 in?
ZIP code 46950 is primarily assigned to Lucerne, Indiana.
What county is ZIP code 46950 in?
ZIP code 46950 falls within Cass County, Indiana.
Does ZIP code 46950 have an older population?
40% of residents in ZIP code 46950 are 65 or older, above the national average of ~17%.
Does ZIP code 46950 have a large retiree population?
62% of households in ZIP code 46950 receive Social Security income, suggesting a significant retiree or disability population.
Is ZIP code 46950 mostly owner-occupied?
98% of occupied units in ZIP code 46950 are owner-occupied, well above the national average.
How educated is the population of ZIP code 46950?
6% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
What timezone is ZIP code 46950 in?
ZIP code 46950 observes the EST timezone.
Need the complete ZIP code database?
Download all 42,000+ US ZIP codes — Excel, CSV, or Access. Includes lat/lng, county FIPS & timezone.
Download database →
