46960 ZIP Code — Monterey, IN

Pulaski County, Indiana

ZIP code 46960 is located in Monterey, Indiana, within Pulaski County. It covers approximately 40.74 square miles and serves a population of 1,204 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46960

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 $126,000. Owner-occupancy is high at 82%, well above the national average.

Median household income is $50,938. 33% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with manufacturing as the leading industry. The average commute of 33 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 (24%) compared to national benchmarks.

Overall, ZIP code 46960 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,204

population

40.74

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46960 ZIP code map

Cities in ZIP code 46960

Below are the cities the US Postal Service accepts for ZIP code 46960. Using any city not on this list may result in mail delivery delays.

City	Status
Monterey	Preferred

Nearby ZIP codes

46511 Culver (6 mi) 46534 Knox (10.2 mi) 46996 Winamac (10.3 mi) 46939 Kewanna (11.7 mi) 46366 North Judson (12.9 mi) 46531 Grovertown (13.7 mi) 46985 Star City (14.3 mi) 46501 Argos (14.9 mi) 46975 Rochester (15.1 mi) 46563 Plymouth (17.8 mi) 47957 Medaryville (19.5 mi) 46532 Hamlet (19.5 mi)

Demographics updated 05/2026

Population
Total population	1,204
Population density	30 / sq mi
State FIPS	18
County FIPS	131

Geography
Land area	40.74 sq mi
Water area	0.06 sq mi
Latitude	41.1551
Longitude	-86.5179
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	57.8%	52.6%	42.9%
$50k – $100k	31.1%	31.1%	32.7%
$100k – $200k	9.8%	15.5%	19.8%
Over $200k	1.3%	0.8%	4.5%

Demographics & statistics

1,204

Population

People per sq mi

44.1

Median age

$50,938

Median household income

$28,689

Per capita income

$126,000

Median home value

$582

Median monthly rent

81.9%

Home ownership

15.2%

Poverty rate

0.8%

Unemployment

645

Housing units

18.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

124

35–44

137

45–54

104

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	269	22.3%
18 and over	935	77.7%
65 and over	242	20.1%
Median age	44.1 years

Race & ethnicity

White 78.8%

Two or more races 10.9%

Hispanic or Latino 9.3%

Asian 0.6%

Other race 0.4%

Group	Count	%
White	1,046	78.8%
Two or more races	145	10.9%
Hispanic or Latino	123	9.3%
Asian	8	0.6%
Other race	5	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	57.8%	52.6%	42.9%
$50k – $100k	31.1%	31.1%	32.7%
$100k – $200k	9.8%	15.5%	19.8%
Over $200k	1.3%	0.8%	4.5%

Under $10k 1.5%

$10k–$15k 5.4%

$15k–$25k 10.8%

$25k–$35k 2.4%

$35k–$50k 28.7%

$50k–$75k 19.0%

$75k–$100k 13.4%

$100k–$150k 17.0%

$150k–$200k 1.9%

Range	% of households
Under $10k	1.5%
$10k–$15k	5.4%
$15k–$25k	10.8%
$25k–$35k	2.4%
$35k–$50k	28.7%
$50k–$75k	19.0%
$75k–$100k	13.4%
$100k–$150k	17.0%
$150k–$200k	1.9%
Median income	$50,938

Housing

Home values

Under $50k 24.2%

$50k–$100k 18.2%

$100k–$150k 26.6%

$150k–$200k 16.8%

$200k–$300k 11.8%

$300k–$500k 2.4%

Housing overview

Metric	Value
Median home value	$126,000
Median rent / month	$582
Owner occupied	81.9%
Renter occupied	18.1%
Vacant	36.4%
Single-family detached	72.3%
Large apartment buildings	0.0%
Mobile homes	26.6%
Median rooms	5.8
Avg household size (owned)	2.86

Year built

Era	%
2020 or later	0.0%
2010–2019	5.5%
2000–2009	11.5%
1990–1999	4.5%
1980–1989	22.4%
1970–1979	5.6%
1960–1969	8.5%
1950–1959	10.4%
1940–1949	4.3%
1939 or earlier	27.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.3%
2 bedrooms	43.6%
3 bedrooms	37.6%
4 bedrooms	17.3%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	14.4%
1 vehicle	29.5%
2 vehicles	21.3%
3 or more	34.7%

Heating fuel

Fuel type	%
Utility gas	41.8%
Electricity	8.0%
Propane / LP gas	41.6%
Fuel oil	0.2%
Wood	7.1%

Households & families

Household type	Count	%
Married-couple family	192	41.4%
Cohabiting couple	54	11.6%
Male householder, no spouse	104	22.4%
Female householder, no spouse	114	24.6%
Households with children under 18	127	27.4%
Households with seniors (65+)	175	37.7%
Average household size	2.59

Marital status

Status	Male	Female
Never married	28.3%	15.5%
Married	44.5%	42.5%
Separated	0.8%	0.0%
Widowed	3.8%	18.2%
Divorced	22.5%	23.8%

Education

Less than 9th grade 5.1%

Some HS, no diploma 2.4%

HS graduate 35.9%

Some college, no degree 34.9%

Associate's degree 3.6%

Bachelor's degree 12.1%

Graduate / professional 6.0%

Metric	%
HS diploma or higher	92.4%
Bachelor's or higher	18.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	12	5.4%
Kindergarten	0	0.0%
Elementary school	178	80.2%
High school	31	14.0%
College / grad school	1	0.5%

Employment

Industry of employment

Manufacturing 27.8%

Finance & real estate 17.8%

Retail trade 12.4%

Education & healthcare 11.6%

Arts, food & hospitality 6.9%

Transportation & utilities 6.6%

Public administration 5.5%

Construction 4.3%

Professional & management 4.3%

Other services 2.7%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	23.8%
Service	7.4%
Sales & office	31.5%
Natural resources & construction	12.4%
Production & transportation	25.0%

Employment type

Type	%
Private sector	90.9%
Government	6.9%
Self-employed	2.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	68.3%
Carpool	19.6%
Public transit	2.8%
Walk	0.2%
Work from home	0.8%
Other means	8.3%
Avg commute (minutes)	32.6

Poverty

All people 15.2%

Under 18 years 34.9%

18 and over 9.5%

Married-couple families 2.1%

Female-led households 58.0%

Income support

Source	% of households
Social Security	33.4%
Retirement income	36.9%
Supplemental Security	11.2%
Cash public assistance	0.2%
Food stamps / SNAP	11.0%

Health indicators

Condition	%
Obesity	41.9%
High blood pressure	38.7%
High cholesterol	35.9%
Diabetes	13.0%
Heart disease	8.4%
Stroke	3.8%
Asthma	10.1%
Arthritis	29.6%
Kidney disease	3.4%
Pulmonary disease	10.1%
Cancer	7.2%

Behavior / access	%
Smoking	24.4%
Binge drinking	15.6%
No physical activity	29.8%
Less than 7 hrs sleep	35.6%
Depression	23.6%
Fair or poor health	19.1%
Poor mental health	15.9%
Poor physical health	13.1%
No health insurance	14.5%
Visited doctor (checkup)	74.4%
Visited dentist	56.3%
Cholesterol screening	88.6%
Teeth loss	19.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	75	8.0%

Disability	%
Any disability	12.5%
Under 18	1.9%
18–64 years	17.7%
65 and over	9.5%

Health insurance coverage

Type	%
Private insurance	60.5%
Public insurance	44.8%
No insurance	4.1%
Uninsured under 19	3.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,150	95.5%
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)	1,192	99.0%
Born in same state	1,192	99.0%
Born in different state	853	70.8%
Foreign born	0	0.0%
Naturalized citizen	12	1.0%
Not a US citizen	4	33.3%

Ancestry

Ancestry	Count	%
Italian	142	11.8%
French	55	4.6%
Polish	54	4.5%
Arab	26	2.2%

Ancestry	Count	%
Norwegian	14	1.2%
English	6	0.5%
German	1	0.1%

Technology access

Metric	% of households
Computer access	38.5%
Internet access	95.7%

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

Frequently asked questions about ZIP code 46960

What city is ZIP code 46960 in?

ZIP code 46960 is primarily assigned to Monterey, Indiana.

What county is ZIP code 46960 in?

ZIP code 46960 falls within Pulaski County, Indiana.

Is ZIP code 46960 mostly owner-occupied?

82% of occupied units in ZIP code 46960 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 46960?

15% of residents in ZIP code 46960 live below the poverty line, above the national average.

What is the typical home value in ZIP code 46960?

The median home value in ZIP code 46960 is $126,000.

What is the population of ZIP code 46960?

ZIP code 46960 has an estimated population of 1,204 residents, with a density of 30 people per square mile.

What timezone is ZIP code 46960 in?

ZIP code 46960 observes the EST timezone.