46975 ZIP Code — Rochester, IN

Fulton County, Indiana

ZIP code 46975 is located in Rochester, Indiana, within Fulton County. It covers approximately 207.65 square miles and serves a population of 13,910 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 574.

About ZIP code 46975

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 $160,300. Owner-occupancy is high at 77%, well above the national average.

Median household income is $64,084. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 23 minutes is near the national average.

College attainment at 20% 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 46975 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

13,910

population

207.65

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46975 ZIP code map

Cities in ZIP code 46975

Below are the cities the US Postal Service accepts for ZIP code 46975. Using any city not on this list may result in mail delivery delays.

City	Status
Rochester	Preferred

Nearby ZIP codes

46939 Kewanna (7 mi) 46988 Twelve Mile (11.7 mi) 46951 Macy (11.8 mi) 46950 Lucerne (12.1 mi) 46910 Akron (12.2 mi) 46501 Argos (13.1 mi) 46570 Tippecanoe (14.3 mi) 46511 Culver (14.8 mi) 46960 Monterey (15.1 mi) 46926 Denver (15.8 mi) 46539 Mentone (16 mi) 46985 Star City (17.3 mi)

Demographics updated 05/2026

Population
Total population	13,910
Population density	67 / sq mi
State FIPS	18
County FIPS	049

Geography
Land area	207.65 sq mi
Water area	1.82 sq mi
Latitude	41.0410
Longitude	-86.2717
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	48.1%	49.1%	42.9%
$50k – $100k	31.6%	32.0%	32.7%
$100k – $200k	19.0%	17.7%	19.8%
Over $200k	1.3%	1.2%	4.5%

Demographics & statistics

13,910

Population

People per sq mi

43.1

Median age

$64,084

Median household income

$35,015

Per capita income

$160,300

Median home value

$778

Median monthly rent

77.3%

Home ownership

13.0%

Poverty rate

6.5%

Unemployment

5,333

Housing units

19.5%

Bachelor's or higher

Age distribution

Male Female

401

Under 5

408

482

5–9

490

450

10–14

458

385

15–19

391

386

20–24

392

763

25–34

776

743

35–44

755

866

45–54

880

604

55–59

613

366

60–64

371

867

65–74

882

388

75–84

395

197

85+

201

← Male

Female →

Age summary

Group	Count	%
Under 18	3,270	23.5%
18 and over	10,640	76.5%
65 and over	2,930	21.1%
Median age	43.1 years

Race & ethnicity

White 88.7%

Hispanic or Latino 4.5%

Other race 4.2%

Two or more races 1.5%

Black or African American 1%

Asian 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	12,913	88.7%
Hispanic or Latino	654	4.5%
Other race	615	4.2%
Two or more races	214	1.5%
Black or African American	150	1%
Asian	10	0.1%
American Indian / Alaska Native	8	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.1%	49.1%	42.9%
$50k – $100k	31.6%	32.0%	32.7%
$100k – $200k	19.0%	17.7%	19.8%
Over $200k	1.3%	1.2%	4.5%

Under $10k 3.5%

$10k–$15k 3.3%

$15k–$25k 11.6%

$25k–$35k 8.5%

$35k–$50k 13.3%

$50k–$75k 16.5%

$75k–$100k 12.4%

$100k–$150k 17.9%

$150k–$200k 8.9%

$200k+ 4.0%

Range	% of households
Under $10k	3.5%
$10k–$15k	3.3%
$15k–$25k	11.6%
$25k–$35k	8.5%
$35k–$50k	13.3%
$50k–$75k	16.5%
$75k–$100k	12.4%
$100k–$150k	17.9%
$150k–$200k	8.9%
$200k+	4.0%
Median income	$64,084

Housing

Home values

Under $50k 8.7%

$50k–$100k 19.7%

$100k–$150k 18.6%

$150k–$200k 11.6%

$200k–$300k 22.6%

$300k–$500k 13.1%

$500k–$1M 5.5%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$160,300
Median rent / month	$778
Owner occupied	77.3%
Renter occupied	22.7%
Vacant	17.2%
Single-family detached	76.9%
Large apartment buildings	1.2%
Mobile homes	10.6%
Median rooms	6.0
Avg household size (owned)	2.59

Year built

Era	%
2020 or later	0.1%
2010–2019	3.4%
2000–2009	11.8%
1990–1999	9.7%
1980–1989	12.8%
1970–1979	14.9%
1960–1969	7.4%
1950–1959	10.4%
1940–1949	4.4%
1939 or earlier	25.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	9.1%
2 bedrooms	27.1%
3 bedrooms	44.4%
4 bedrooms	14.2%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	7.1%
1 vehicle	25.8%
2 vehicles	34.7%
3 or more	32.4%

Heating fuel

Fuel type	%
Utility gas	59.2%
Electricity	16.5%
Propane / LP gas	18.4%
Fuel oil	0.4%
Wood	4.6%

Households & families

Household type	Count	%
Married-couple family	2,802	51.6%
Cohabiting couple	418	7.7%
Male householder, no spouse	879	16.2%
Female householder, no spouse	1,334	24.6%
Households with children under 18	1,574	29.0%
Households with seniors (65+)	2,139	39.4%
Average household size	2.53

Marital status

Status	Male	Female
Never married	25.8%	16.2%
Married	52.8%	49.5%
Separated	1.8%	1.0%
Widowed	2.8%	16.2%
Divorced	16.8%	17.2%

Education

Less than 9th grade 2.5%

Some HS, no diploma 7.5%

HS graduate 39.7%

Some college, no degree 23.1%

Associate's degree 7.7%

Bachelor's degree 13.2%

Graduate / professional 6.3%

Metric	%
HS diploma or higher	90.0%
Bachelor's or higher	19.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	333	11.3%
Kindergarten	179	6.1%
Elementary school	1,559	52.8%
High school	604	20.5%
College / grad school	276	9.4%

Employment

Industry of employment

Manufacturing 26.0%

Education & healthcare 16.2%

Retail trade 11.6%

Public administration 7.4%

Construction 7.0%

Professional & management 7.0%

Finance & real estate 5.9%

Other services 4.5%

Arts, food & hospitality 4.3%

Transportation & utilities 3.8%

Agriculture & mining 2.6%

Information 2.0%

Wholesale trade 1.8%

Occupation

Category	%
Management, business & arts	29.1%
Service	16.4%
Sales & office	18.8%
Natural resources & construction	9.8%
Production & transportation	25.8%

Employment type

Type	%
Private sector	81.6%
Government	12.1%
Self-employed	6.2%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	79.5%
Carpool	9.7%
Public transit	0.0%
Walk	4.1%
Work from home	5.1%
Other means	1.6%
Avg commute (minutes)	23.0

Poverty

All people 13.0%

Under 18 years 15.9%

18 and over 12.1%

Married-couple families 5.2%

Female-led households 27.4%

Income support

Source	% of households
Social Security	43.1%
Retirement income	28.8%
Supplemental Security	6.0%
Cash public assistance	1.4%
Food stamps / SNAP	11.7%

Health indicators

Condition	%
Obesity	38.7%
High blood pressure	36.3%
High cholesterol	34.5%
Diabetes	11.7%
Heart disease	7.5%
Stroke	3.4%
Asthma	10.0%
Arthritis	28.3%
Kidney disease	3.1%
Pulmonary disease	8.9%
Cancer	7.4%

Behavior / access	%
Smoking	21.6%
Binge drinking	15.5%
No physical activity	26.9%
Less than 7 hrs sleep	33.3%
Depression	23.4%
Fair or poor health	16.4%
Poor mental health	15.4%
Poor physical health	11.7%
No health insurance	13.2%
Visited doctor (checkup)	75.7%
Visited dentist	61.9%
Cholesterol screening	89.2%
Teeth loss	16.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	898	8.4%

Disability	%
Any disability	16.2%
Under 18	4.3%
18–64 years	13.6%
65 and over	36.9%

Health insurance coverage

Type	%
Private insurance	64.0%
Public insurance	39.7%
No insurance	11.6%
Uninsured under 19	14.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	13,101	94.2%
Spanish	271	2.1%
Other Indo-European	105	0.8%
Asian & Pacific Islander	142	1.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	13,589	97.7%
Born in same state	13,541	97.3%
Born in different state	11,334	81.5%
Foreign born	48	0.3%
Naturalized citizen	321	2.3%
Not a US citizen	157	48.9%

Ancestry

Ancestry	Count	%
Italian	1,129	8.1%
French	1,129	8.1%
Arab	859	6.2%
English	229	1.6%

Ancestry	Count	%
Polish	150	1.1%
Irish	45	0.3%
German	31	0.2%
Norwegian	5	0%

Technology access

Metric	% of households
Computer access	39.1%
Internet access	90.5%

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

Frequently asked questions about ZIP code 46975

What city is ZIP code 46975 in?

ZIP code 46975 is primarily assigned to Rochester, Indiana.

What county is ZIP code 46975 in?

ZIP code 46975 falls within Fulton County, Indiana.

Does ZIP code 46975 have a large retiree population?

43% of households in ZIP code 46975 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 46975?

The median home value in ZIP code 46975 is $160,300.

What is the population of ZIP code 46975?

ZIP code 46975 has an estimated population of 13,910 residents, with a density of 67 people per square mile.

What is the median household income in ZIP code 46975?

The median household income in ZIP code 46975 is $64,084, below the national median of ~$75,000.

What timezone is ZIP code 46975 in?

ZIP code 46975 observes the EST timezone.