46542 ZIP Code — Milford, IN

Kosciusko County, Indiana

ZIP code 46542 is located in Milford, Indiana, within Kosciusko County. It covers approximately 50.67 square miles and serves a population of 4,744 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46542

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 $162,100. Owner-occupancy is high at 87%, well above the national average.

Median household income is $73,176. The poverty rate of 3% is below the national average. 30% 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 7% 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. 17% of residents lack health insurance, above the national average.

Overall, ZIP code 46542 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,744

population

50.67

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46542 ZIP code map

Cities in ZIP code 46542

Below are the cities the US Postal Service accepts for ZIP code 46542. Using any city not on this list may result in mail delivery delays.

City	Status
Milford	Preferred

Nearby ZIP codes

46538 Leesburg (5.6 mi) 46553 New Paris (6.2 mi) 46550 Nappanee (6.3 mi) 46567 Syracuse (7.8 mi) 46582 Warsaw (8.5 mi) 46524 Etna Green (9.7 mi) 46555 North Webster (10.9 mi) 46526 Goshen (11.3 mi) 46590 Winona Lake (12.6 mi) 46580 Warsaw (13.4 mi) 46573 Wakarusa (13.5 mi) 46732 Cromwell (14 mi)

Demographics updated 05/2026

Population
Total population	4,744
Population density	94 / sq mi
State FIPS	18
County FIPS	085

Geography
Land area	50.67 sq mi
Water area	0.57 sq mi
Latitude	41.3924
Longitude	-85.8822
Timezone	Eastern (ET)
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	37.9%	39.8%	42.9%
$50k – $100k	47.4%	36.1%	32.7%
$100k – $200k	13.9%	20.2%	19.8%
Over $200k	0.8%	4.0%	4.5%

Demographics & statistics

4,744

Population

People per sq mi

33.6

Median age

$73,176

Median household income

$29,005

Per capita income

$162,100

Median home value

$910

Median monthly rent

86.6%

Home ownership

3.1%

Poverty rate

0.9%

Unemployment

1,432

Housing units

7.1%

Bachelor's or higher

Age distribution

Male Female

254

Under 5

268

172

5–9

181

140

10–14

148

114

15–19

121

203

20–24

215

307

25–34

324

231

35–44

245

292

45–54

309

123

55–59

131

109

60–64

116

222

65–74

235

100

75–84

105

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,279	27.0%
18 and over	3,465	73.0%
65 and over	741	15.6%
Median age	33.6 years

Race & ethnicity

White 85.8%

Hispanic or Latino 6.1%

Two or more races 3.9%

Other race 3.7%

American Indian / Alaska Native 0.3%

Asian 0.2%

Group	Count	%
White	4,337	85.8%
Hispanic or Latino	309	6.1%
Two or more races	198	3.9%
Other race	185	3.7%
American Indian / Alaska Native	14	0.3%
Asian	10	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.9%	39.8%	42.9%
$50k – $100k	47.4%	36.1%	32.7%
$100k – $200k	13.9%	20.2%	19.8%
Over $200k	0.8%	4.0%	4.5%

Under $10k 2.2%

$10k–$15k 2.9%

$15k–$25k 3.4%

$25k–$35k 12.0%

$35k–$50k 12.4%

$50k–$75k 18.9%

$75k–$100k 24.8%

$100k–$150k 18.6%

$150k–$200k 2.5%

$200k+ 2.5%

Range	% of households
Under $10k	2.2%
$10k–$15k	2.9%
$15k–$25k	3.4%
$25k–$35k	12.0%
$35k–$50k	12.4%
$50k–$75k	18.9%
$75k–$100k	24.8%
$100k–$150k	18.6%
$150k–$200k	2.5%
$200k+	2.5%
Median income	$73,176

Housing

Home values

Under $50k 8.5%

$50k–$100k 11.8%

$100k–$150k 21.3%

$150k–$200k 24.5%

$200k–$300k 18.0%

$300k–$500k 12.5%

$500k–$1M 3.5%

Housing overview

Metric	Value
Median home value	$162,100
Median rent / month	$910
Owner occupied	86.6%
Renter occupied	13.4%
Vacant	0.8%
Single-family detached	85.6%
Large apartment buildings	0.2%
Mobile homes	9.1%
Median rooms	6.4
Avg household size (owned)	2.81

Year built

Era	%
2020 or later	0.0%
2010–2019	6.6%
2000–2009	13.2%
1990–1999	15.4%
1980–1989	7.9%
1970–1979	8.0%
1960–1969	13.5%
1950–1959	9.4%
1940–1949	3.5%
1939 or earlier	22.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	1.9%
2 bedrooms	22.2%
3 bedrooms	52.9%
4 bedrooms	20.2%
5+ bedrooms	2.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	24.9%
2 vehicles	32.5%
3 or more	38.7%

Heating fuel

Fuel type	%
Utility gas	62.0%
Electricity	15.9%
Propane / LP gas	14.3%
Fuel oil	0.7%
Wood	4.2%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	910	55.6%
Cohabiting couple	55	3.4%
Male householder, no spouse	299	18.3%
Female householder, no spouse	374	22.8%
Households with children under 18	583	35.6%
Households with seniors (65+)	471	28.8%
Average household size	2.86

Marital status

Status	Male	Female
Never married	29.3%	26.1%
Married	57.4%	51.4%
Separated	0.0%	1.3%
Widowed	3.3%	5.7%
Divorced	9.9%	15.5%

Education

Less than 9th grade 9.4%

Some HS, no diploma 8.7%

HS graduate 45.9%

Some college, no degree 21.0%

Associate's degree 7.9%

Bachelor's degree 5.6%

Graduate / professional 1.5%

Metric	%
HS diploma or higher	81.9%
Bachelor's or higher	7.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	69	7.4%
Kindergarten	54	5.8%
Elementary school	479	51.4%
High school	152	16.3%
College / grad school	178	19.1%

Employment

Industry of employment

Manufacturing 45.1%

Education & healthcare 19.9%

Retail trade 6.8%

Professional & management 3.9%

Public administration 3.7%

Agriculture & mining 3.6%

Transportation & utilities 3.6%

Arts, food & hospitality 3.5%

Construction 3.4%

Other services 3.4%

Wholesale trade 1.6%

Information 0.9%

Finance & real estate 0.5%

Occupation

Category	%
Management, business & arts	30.2%
Service	13.9%
Sales & office	14.9%
Natural resources & construction	7.0%
Production & transportation	33.9%

Employment type

Type	%
Private sector	85.8%
Government	9.5%
Self-employed	4.2%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	78.5%
Carpool	15.1%
Public transit	0.0%
Walk	2.0%
Work from home	2.3%
Other means	2.0%
Avg commute (minutes)	23.2

Poverty

All people 3.1%

Under 18 years 1.8%

18 and over 3.6%

Married-couple families 0.0%

Female-led households 10.4%

Income support

Source	% of households
Social Security	30.1%
Retirement income	18.6%
Supplemental Security	3.2%
Cash public assistance	1.4%
Food stamps / SNAP	7.7%

Health indicators

Condition	%
Obesity	37.3%
High blood pressure	34.5%
High cholesterol	32.5%
Diabetes	11.5%
Heart disease	7.2%
Stroke	3.3%
Asthma	10.0%
Arthritis	25.0%
Kidney disease	3.0%
Pulmonary disease	9.1%
Cancer	6.5%

Behavior / access	%
Smoking	23.8%
Binge drinking	16.3%
No physical activity	29.7%
Less than 7 hrs sleep	34.6%
Depression	24.1%
Fair or poor health	18.0%
Poor mental health	16.6%
Poor physical health	12.1%
No health insurance	17.7%
Visited doctor (checkup)	73.1%
Visited dentist	56.9%
Cholesterol screening	86.7%
Teeth loss	20.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	293	8.5%

Disability	%
Any disability	10.8%
Under 18	3.4%
18–64 years	8.4%
65 and over	33.7%

Health insurance coverage

Type	%
Private insurance	65.3%
Public insurance	28.4%
No insurance	17.0%
Uninsured under 19	8.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,222	89.0%
Spanish	202	4.8%
Other Indo-European	188	4.5%
Asian & Pacific Islander	14	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,475	94.3%
Born in same state	4,462	94.1%
Born in different state	3,834	80.8%
Foreign born	13	0.3%
Naturalized citizen	269	5.7%
Not a US citizen	111	41.3%

Ancestry

Ancestry	Count	%
Italian	539	11.4%
Arab	242	5.1%
French	213	4.5%

Ancestry	Count	%
English	156	3.3%
Irish	64	1.3%
Polish	20	0.4%

Technology access

Metric	% of households
Computer access	34.5%
Internet access	82.5%

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

Frequently asked questions about ZIP code 46542

What city is ZIP code 46542 in?

ZIP code 46542 is primarily assigned to Milford, Indiana.

What county is ZIP code 46542 in?

ZIP code 46542 falls within Kosciusko County, Indiana.

How educated is the population of ZIP code 46542?

7% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 46542 mostly owner-occupied?

87% of occupied units in ZIP code 46542 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 46542?

The median home value in ZIP code 46542 is $162,100.

What is the population of ZIP code 46542?

ZIP code 46542 has an estimated population of 4,744 residents, with a density of 94 people per square mile.

What timezone is ZIP code 46542 in?

ZIP code 46542 observes the EST timezone.