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Indiana ZIP Codes
Miami County
Macy, IN
46951
46951 ZIP Code — Macy, IN
Miami County, Indiana
ZIP code 46951 is located in
Macy ,
Indiana ,
within Miami County .
It covers approximately 66.73 square miles and serves a population of
2,146 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 574/765 .
About ZIP code 46951
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 $133,300. Owner-occupancy is high at 90%, well above the national average.
Median household income is $52,625. 38% 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 29 minutes is near the national average.
College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of smoking (21%) compared to national benchmarks.
Overall, ZIP code 46951 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.
46951 ZIP code map
View map of 46951
Cities in ZIP code 46951
Below are the cities the US Postal Service accepts for ZIP code 46951. Using any city not on this list may result in mail delivery delays.
City
Status
Macy
Acceptable
Macy
Preferred
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
2,146
Population density
32 / sq mi
State FIPS
18
County FIPS
103
Geography
Land area
66.73 sq mi
Water area
0.54 sq mi
Latitude
40.9471
Longitude
-86.0830
Timezone
Eastern (ET)
Area code
574/765
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
54.6%
49.5%
42.9%
$50k – $100k
32.9%
33.7%
32.7%
$100k – $200k
9.1%
14.7%
19.8%
Over $200k
3.4%
2.1%
4.5%
Demographics & statistics
$52,625
Median household income
$133,300
Median home value
$1,030
Median monthly rent
11.3%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 543 25.3% 18 and over 1,603 74.7% 65 and over 319 14.9% Median age 38.1 years
Race & ethnicity
American Indian / Alaska Native
0.4%
Black or African American
0.1%
Group Count % White 2,036 94.9% Two or more races 96 4.5% American Indian / Alaska Native 9 0.4% Black or African American 3 0.1% Asian 2 0.1%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
54.6%
49.5%
42.9%
$50k – $100k
32.9%
33.7%
32.7%
$100k – $200k
9.1%
14.7%
19.8%
Over $200k
3.4%
2.1%
4.5%
Range % of households Under $10k 5.0% $10k–$15k 2.1% $15k–$25k 3.5% $25k–$35k 5.7% $35k–$50k 33.7% $50k–$75k 16.5% $75k–$100k 10.3% $100k–$150k 16.3% $150k–$200k 5.7% $200k+ 1.3% Median income $52,625
Housing
Housing overview
Metric Value Median home value $133,300 Median rent / month $1,030 Owner occupied 89.7% Renter occupied 10.3% Vacant 31.4% Single-family detached 82.8% Large apartment buildings 0.0% Mobile homes 12.6% Median rooms 5.8 Avg household size (owned) 2.74
Year built
Era % 2020 or later 0.0% 2010–2019 3.6% 2000–2009 9.3% 1990–1999 14.9% 1980–1989 3.3% 1970–1979 10.8% 1960–1969 7.2% 1950–1959 8.3% 1940–1949 9.5% 1939 or earlier 33.1%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 10.9% 2 bedrooms 37.3% 3 bedrooms 39.0% 4 bedrooms 11.7% 5+ bedrooms 1.1%
Vehicles per household
Vehicles % of households No vehicle 4.2% 1 vehicle 23.9% 2 vehicles 43.0% 3 or more 28.9%
Heating fuel
Fuel type % Utility gas 29.7% Electricity 26.3% Propane / LP gas 23.3% Fuel oil 4.1% Wood 15.7%
Households & families
Household type Count % Married-couple family 445 62.9% Cohabiting couple 48 6.8% Male householder, no spouse 165 23.3% Female householder, no spouse 49 6.9% Households with children under 18 242 34.2% Households with seniors (65+) 254 35.9% Average household size 3.04
Marital status
Status Male Female Never married 26.8% 24.2% Married 50.4% 60.8% Separated 0.0% 0.0% Widowed 3.3% 2.1% Divorced 19.6% 12.8%
Education
Some HS, no diploma
12.5%
Some college, no degree
20.2%
Graduate / professional
3.3%
Metric % HS diploma or higher 81.6% Bachelor's or higher 11.3%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 37 9.1% Kindergarten 40 9.8% Elementary school 205 50.4% High school 86 21.1% College / grad school 39 9.6%
Employment
Industry of employment
Education & healthcare
12.0%
Agriculture & mining
8.5%
Transportation & utilities
4.7%
Professional & management
4.0%
Public administration
4.0%
Finance & real estate
1.8%
Arts, food & hospitality
1.1%
Occupation
Category % Management, business & arts 21.6% Service 14.4% Sales & office 16.1% Natural resources & construction 16.8% Production & transportation 31.1%
Employment type
Type % Private sector 81.6% Government 7.4% Self-employed 11.0% Unpaid family workers 0.0%
Commute
Method % Drive alone 80.4% Carpool 13.6% Public transit 0.0% Walk 2.9% Work from home 2.7% Other means 0.3% Avg commute (minutes) 29.4
Poverty
Married-couple families
11.2%
Female-led households
25.6%
Income support
Source % of households Social Security 37.5% Retirement income 24.8% Supplemental Security 6.4% Cash public assistance 4.2% Food stamps / SNAP 5.4%
Health indicators
Condition % Obesity 37.4% High blood pressure 35.1% High cholesterol 34.7% Diabetes 11.1% Heart disease 7.0% Stroke 3.1% Asthma 9.7% Arthritis 26.8% Kidney disease 2.8% Pulmonary disease 8.3% Cancer 7.1%
Behavior / access % Smoking 21.3% Binge drinking 16.3% No physical activity 26.1% Less than 7 hrs sleep 34.6% Depression 22.8% Fair or poor health 15.4% Poor mental health 15.1% Poor physical health 11.1% No health insurance 12.4% Visited doctor (checkup) 73.7% Visited dentist 62.7% Cholesterol screening 89.7% Teeth loss 14.9%
Veterans & disability
Veterans Count % Civilian veterans 93 5.8%
Disability % Any disability 15.2% Under 18 3.3% 18–64 years 15.0% 65 and over 36.4%
Health insurance coverage
Type % Private insurance 61.7% Public insurance 39.4% No insurance 12.3% Uninsured under 19 14.8%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 2,002 93.3% Spanish 11 0.5% Other Indo-European 0 0.0% Asian & Pacific Islander 11 0.5% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 2,144 99.9% Born in same state 2,144 99.9% Born in different state 1,751 81.6% Foreign born 0 0.0% Naturalized citizen 2 0.1% Not a US citizen 2 100.0%
Ancestry
Ancestry Count % French 342 15.9% Italian 207 9.6% Arab 91 4.2%
Ancestry Count % English 84 3.9% Polish 19 0.9% German 17 0.8%
Technology access
Metric % of households Computer access 32.9% Internet access 91.2%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 46951
What city is ZIP code 46951 in?
ZIP code 46951 is primarily assigned to Macy, Indiana.
What county is ZIP code 46951 in?
ZIP code 46951 falls within Miami County, Indiana.
Is ZIP code 46951 mostly owner-occupied?
90% of occupied units in ZIP code 46951 are owner-occupied, well above the national average.
How educated is the population of ZIP code 46951?
11% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
What is the poverty rate in ZIP code 46951?
16% of residents in ZIP code 46951 live below the poverty line, above the national average.
Does ZIP code 46951 have a large retiree population?
38% of households in ZIP code 46951 receive Social Security income, suggesting a significant retiree or disability population.
What timezone is ZIP code 46951 in?
ZIP code 46951 observes the EST timezone.
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