46970 ZIP Code — Peru, IN

Miami County, Indiana

ZIP code 46970 is located in Peru, Indiana, within Miami County. It covers approximately 179.92 square miles and serves a population of 23,363 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 765.

About ZIP code 46970

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 $103,400. Owner-occupancy sits near the national average at 72%.

Median household income is $55,291. Poverty affects 18% of residents, above the national average. 39% 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 15% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks.

Overall, ZIP code 46970 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and a significant Social Security-dependent population.

23,363

population

179.92

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46970 ZIP code map

Cities in ZIP code 46970

Below are the cities the US Postal Service accepts for ZIP code 46970. Using any city not on this list may result in mail delivery delays.

City	Status
Peru	Preferred

Nearby ZIP codes

46971 Grissom Arb (7.5 mi) 46914 Bunker Hill (8.4 mi) 46926 Denver (8.8 mi) 46911 Amboy (10.6 mi) 46994 Walton (10.9 mi) 46988 Twelve Mile (11.9 mi) 46951 Macy (13.4 mi) 46932 Galveston (13.9 mi) 46919 Converse (15 mi) 46992 Wabash (15.2 mi) 46947 Logansport (15.5 mi) 46974 Roann (16.3 mi)

Demographics updated 05/2026

Population
Total population	23,363
Population density	130 / sq mi
State FIPS	18
County FIPS	103

Geography
Land area	179.92 sq mi
Water area	2.81 sq mi
Latitude	40.7534
Longitude	-86.0782
Timezone	Eastern (ET)
Area code	765

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.4%	49.5%	42.9%
$50k – $100k	32.2%	33.7%	32.7%
$100k – $200k	13.4%	14.7%	19.8%
Over $200k	2.0%	2.1%	4.5%

Demographics & statistics

23,363

Population

130

People per sq mi

40.7

Median age

$55,291

Median household income

$27,692

Per capita income

$103,400

Median home value

$802

Median monthly rent

71.6%

Home ownership

18.1%

Poverty rate

5.2%

Unemployment

7,498

Housing units

15.4%

Bachelor's or higher

Age distribution

Male Female

525

Under 5

452

704

5–9

605

853

10–14

733

924

15–19

795

822

20–24

707

1,482

25–34

1,274

1,623

35–44

1,395

1,681

45–54

1,446

879

55–59

755

880

60–64

757

1,380

65–74

1,186

604

75–84

519

205

85+

177

← Male

Female →

Age summary

Group	Count	%
Under 18	4,904	21.0%
18 and over	18,459	79.0%
65 and over	4,071	17.4%
Median age	40.7 years

Race & ethnicity

White 84.2%

Two or more races 5.5%

Black or African American 4.2%

Hispanic or Latino 3.7%

Other race 2.1%

American Indian / Alaska Native 0.3%

Asian 0.2%

Group	Count	%
White	20,414	84.2%
Two or more races	1,324	5.5%
Black or African American	1,016	4.2%
Hispanic or Latino	888	3.7%
Other race	498	2.1%
American Indian / Alaska Native	73	0.3%
Asian	38	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.4%	49.5%	42.9%
$50k – $100k	32.2%	33.7%	32.7%
$100k – $200k	13.4%	14.7%	19.8%
Over $200k	2.0%	2.1%	4.5%

Under $10k 7.3%

$10k–$15k 3.6%

$15k–$25k 9.5%

$25k–$35k 10.7%

$35k–$50k 15.2%

$50k–$75k 18.2%

$75k–$100k 14.4%

$100k–$150k 14.2%

$150k–$200k 3.6%

$200k+ 3.3%

Range	% of households
Under $10k	7.3%
$10k–$15k	3.6%
$15k–$25k	9.5%
$25k–$35k	10.7%
$35k–$50k	15.2%
$50k–$75k	18.2%
$75k–$100k	14.4%
$100k–$150k	14.2%
$150k–$200k	3.6%
$200k+	3.3%
Median income	$55,291

Housing

Home values

Under $50k 13.8%

$50k–$100k 34.5%

$100k–$150k 21.4%

$150k–$200k 12.7%

$200k–$300k 8.7%

$300k–$500k 6.8%

$500k–$1M 1.4%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$103,400
Median rent / month	$802
Owner occupied	71.6%
Renter occupied	28.4%
Vacant	13.2%
Single-family detached	75.9%
Large apartment buildings	2.3%
Mobile homes	7.2%
Median rooms	6.1
Avg household size (owned)	2.41

Year built

Era	%
2020 or later	0.2%
2010–2019	2.4%
2000–2009	5.2%
1990–1999	8.2%
1980–1989	8.2%
1970–1979	15.8%
1960–1969	9.2%
1950–1959	10.3%
1940–1949	5.5%
1939 or earlier	35.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.8%
1 bedroom	7.2%
2 bedrooms	23.7%
3 bedrooms	50.3%
4 bedrooms	14.9%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	7.1%
1 vehicle	31.4%
2 vehicles	36.0%
3 or more	25.4%

Heating fuel

Fuel type	%
Utility gas	68.7%
Electricity	19.7%
Propane / LP gas	8.0%
Fuel oil	0.4%
Wood	2.1%
Solar	0.1%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	4,102	47.5%
Cohabiting couple	649	7.5%
Male householder, no spouse	1,636	18.9%
Female householder, no spouse	2,249	26.0%
Households with children under 18	2,557	29.6%
Households with seniors (65+)	2,880	33.3%
Average household size	2.55

Marital status

Status	Male	Female
Never married	38.2%	22.0%
Married	42.7%	48.8%
Separated	1.5%	2.2%
Widowed	2.0%	9.4%
Divorced	15.7%	17.6%

Education

Less than 9th grade 4.3%

Some HS, no diploma 8.0%

HS graduate 41.8%

Some college, no degree 21.3%

Associate's degree 9.2%

Bachelor's degree 10.2%

Graduate / professional 5.2%

Metric	%
HS diploma or higher	87.7%
Bachelor's or higher	15.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	374	7.1%
Kindergarten	287	5.4%
Elementary school	2,243	42.6%
High school	1,524	28.9%
College / grad school	842	16.0%

Employment

Industry of employment

Manufacturing 25.6%

Education & healthcare 19.2%

Retail trade 13.2%

Arts, food & hospitality 7.8%

Construction 6.7%

Transportation & utilities 6.2%

Public administration 5.4%

Professional & management 4.3%

Other services 4.1%

Finance & real estate 3.9%

Wholesale trade 1.6%

Agriculture & mining 1.4%

Information 0.7%

Occupation

Category	%
Management, business & arts	23.9%
Service	17.8%
Sales & office	18.4%
Natural resources & construction	12.4%
Production & transportation	27.5%

Employment type

Type	%
Private sector	83.2%
Government	11.6%
Self-employed	4.5%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	82.9%
Carpool	10.1%
Public transit	0.1%
Walk	1.2%
Work from home	4.5%
Other means	1.2%
Avg commute (minutes)	23.3

Poverty

All people 18.1%

Under 18 years 31.1%

18 and over 14.5%

Married-couple families 8.2%

Female-led households 32.9%

Income support

Source	% of households
Social Security	38.7%
Retirement income	28.5%
Supplemental Security	4.9%
Cash public assistance	2.0%
Food stamps / SNAP	11.8%

Health indicators

Condition	%
Obesity	39.5%
High blood pressure	37.6%
High cholesterol	35.4%
Diabetes	12.9%
Heart disease	8.1%
Stroke	3.9%
Asthma	10.6%
Arthritis	28.8%
Kidney disease	3.4%
Pulmonary disease	10.4%
Cancer	7.2%

Behavior / access	%
Smoking	24.8%
Binge drinking	14.9%
No physical activity	31.1%
Less than 7 hrs sleep	36.5%
Depression	24.0%
Fair or poor health	19.8%
Poor mental health	16.7%
Poor physical health	13.4%
No health insurance	14.9%
Visited doctor (checkup)	73.5%
Visited dentist	55.4%
Cholesterol screening	87.7%
Teeth loss	20.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,770	9.6%

Disability	%
Any disability	15.8%
Under 18	4.5%
18–64 years	14.3%
65 and over	35.3%

Health insurance coverage

Type	%
Private insurance	67.7%
Public insurance	40.6%
No insurance	8.1%
Uninsured under 19	2.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	22,386	95.8%
Spanish	231	1.0%
Other Indo-European	210	0.9%
Asian & Pacific Islander	0	0.0%
Other languages	21	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	23,177	99.2%
Born in same state	22,894	98.0%
Born in different state	18,203	77.9%
Foreign born	283	1.2%
Naturalized citizen	186	0.8%
Not a US citizen	50	26.9%

Ancestry

Ancestry	Count	%
Italian	2,555	10.9%
French	2,509	10.7%
Arab	1,788	7.7%
English	461	2%
Polish	76	0.3%

Ancestry	Count	%
Norwegian	69	0.3%
Irish	44	0.2%
German	41	0.2%
Dutch	8	0%

Technology access

Metric	% of households
Computer access	37.0%
Internet access	91.2%

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

Frequently asked questions about ZIP code 46970

What city is ZIP code 46970 in?

ZIP code 46970 is primarily assigned to Peru, Indiana.

What county is ZIP code 46970 in?

ZIP code 46970 falls within Miami County, Indiana.

What is the poverty rate in ZIP code 46970?

18% of residents in ZIP code 46970 live below the poverty line, above the national average.

Does ZIP code 46970 have a large retiree population?

39% of households in ZIP code 46970 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 46970?

The median home value in ZIP code 46970 is $103,400.

Does ZIP code 46970 have a large veteran population?

10% of civilians in ZIP code 46970 are veterans, above the national average of ~7%.

What timezone is ZIP code 46970 in?

ZIP code 46970 observes the EST timezone.