46785 ZIP Code — Saint Joe, IN

Dekalb County, Indiana

ZIP code 46785 is located in Saint Joe, Indiana, within Dekalb County. It covers approximately 25.60 square miles and serves a population of 1,732 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46785

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 $189,900. Owner-occupancy is high at 89%, well above the national average.

Median household income is $69,688. 32% 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 16% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 46785 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,732

population

25.60

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46785 ZIP code map

Cities in ZIP code 46785

Below are the cities the US Postal Service accepts for ZIP code 46785. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Joe	Acceptable
Saint Joe	Preferred

Nearby ZIP codes

46788 Spencerville (3.8 mi) 46743 Harlan (6.5 mi) 46721 Butler (7.1 mi) 46706 Auburn (7.5 mi) 46741 Grabill (8.3 mi) 43526 Hicksville (8.9 mi) 46765 Leo (10.1 mi) 46793 Waterloo (12.3 mi) 43536 Mark Center (12.4 mi) 43517 Edgerton (12.5 mi) 45813 Antwerp (12.6 mi) 46738 Garrett (13.1 mi)

Demographics updated 06/2026

Population
Total population	1,732
Population density	68 / sq mi
State FIPS	18
County FIPS	033

Geography
Land area	25.60 sq mi
Water area	0.04 sq mi
Latitude	41.3201
Longitude	-84.8886
Timezone	Eastern (ET)
Area code	260

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.0%	41.8%	42.9%
$50k – $100k	34.7%	37.0%	32.7%
$100k – $200k	22.8%	18.4%	19.8%
Over $200k	5.4%	2.8%	4.5%

Demographics & statistics

1,732

Population

People per sq mi

34.9

Median age

$69,688

Median household income

$29,364

Per capita income

$189,900

Median home value

$693

Median monthly rent

89.0%

Home ownership

8.1%

Poverty rate

9.3%

Unemployment

568

Housing units

15.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

150

25–34

124

153

35–44

127

105

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	433	25.0%
18 and over	1,299	75.0%
65 and over	189	10.9%
Median age	34.9 years

Race & ethnicity

White 83.4%

Two or more races 7.8%

Hispanic or Latino 7.6%

Other race 1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	1,564	83.4%
Two or more races	147	7.8%
Hispanic or Latino	143	7.6%
Other race	19	1%
American Indian / Alaska Native	2	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.0%	41.8%	42.9%
$50k – $100k	34.7%	37.0%	32.7%
$100k – $200k	22.8%	18.4%	19.8%
Over $200k	5.4%	2.8%	4.5%

Under $10k 10.6%

$10k–$15k 1.4%

$15k–$25k 7.7%

$25k–$35k 6.1%

$35k–$50k 3.3%

$50k–$75k 23.2%

$75k–$100k 16.4%

$100k–$150k 14.7%

$150k–$200k 6.8%

$200k+ 9.8%

Range	% of households
Under $10k	10.6%
$10k–$15k	1.4%
$15k–$25k	7.7%
$25k–$35k	6.1%
$35k–$50k	3.3%
$50k–$75k	23.2%
$75k–$100k	16.4%
$100k–$150k	14.7%
$150k–$200k	6.8%
$200k+	9.8%
Median income	$69,688

Housing

Home values

Under $50k 6.3%

$50k–$100k 20.0%

$100k–$150k 12.0%

$150k–$200k 18.0%

$200k–$300k 14.1%

$300k–$500k 23.7%

$500k–$1M 5.9%

Housing overview

Metric	Value
Median home value	$189,900
Median rent / month	$693
Owner occupied	89.0%
Renter occupied	11.0%
Vacant	9.2%
Single-family detached	90.5%
Large apartment buildings	0.0%
Mobile homes	7.6%
Median rooms	7.1
Avg household size (owned)	3.14

Year built

Era	%
2020 or later	0.0%
2010–2019	4.9%
2000–2009	16.6%
1990–1999	9.2%
1980–1989	10.9%
1970–1979	13.6%
1960–1969	4.8%
1950–1959	7.0%
1940–1949	4.0%
1939 or earlier	29.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	1.0%
2 bedrooms	13.8%
3 bedrooms	46.9%
4 bedrooms	34.5%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	1.0%
1 vehicle	16.2%
2 vehicles	17.8%
3 or more	64.9%

Heating fuel

Fuel type	%
Utility gas	26.2%
Electricity	42.2%
Propane / LP gas	22.2%
Fuel oil	0.3%
Wood	5.4%
Solar	3.7%

Households & families

Household type	Count	%
Married-couple family	398	69.5%
Cohabiting couple	18	3.1%
Male householder, no spouse	63	11.0%
Female householder, no spouse	94	16.4%
Households with children under 18	213	37.2%
Households with seniors (65+)	140	24.4%
Average household size	3.02

Marital status

Status	Male	Female
Never married	32.8%	27.3%
Married	61.7%	54.5%
Separated	1.3%	0.8%
Widowed	0.6%	3.6%
Divorced	3.8%	13.8%

Education

Less than 9th grade 1.9%

Some HS, no diploma 9.1%

HS graduate 49.3%

Some college, no degree 19.5%

Associate's degree 4.2%

Bachelor's degree 12.2%

Graduate / professional 3.6%

Metric	%
HS diploma or higher	88.9%
Bachelor's or higher	15.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	28	6.8%
Kindergarten	2	0.5%
Elementary school	207	50.2%
High school	125	30.3%
College / grad school	50	12.1%

Employment

Industry of employment

Manufacturing 31.1%

Education & healthcare 13.7%

Transportation & utilities 11.5%

Retail trade 10.3%

Other services 6.6%

Arts, food & hospitality 6.1%

Construction 5.2%

Agriculture & mining 5.1%

Public administration 3.9%

Wholesale trade 3.4%

Professional & management 1.6%

Information 1.3%

Finance & real estate 0.3%

Occupation

Category	%
Management, business & arts	32.0%
Service	7.8%
Sales & office	17.6%
Natural resources & construction	10.6%
Production & transportation	31.9%

Employment type

Type	%
Private sector	75.7%
Government	9.9%
Self-employed	14.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.7%
Carpool	15.2%
Public transit	0.0%
Walk	0.9%
Work from home	5.5%
Other means	1.7%
Avg commute (minutes)	22.9

Poverty

All people 8.1%

Under 18 years 4.4%

18 and over 9.4%

Married-couple families 12.8%

Female-led households 0.0%

Income support

Source	% of households
Social Security	32.3%
Retirement income	18.8%
Supplemental Security	12.4%
Cash public assistance	2.4%
Food stamps / SNAP	2.8%

Health indicators

Condition	%
Obesity	38.9%
High blood pressure	35.5%
High cholesterol	33.9%
Diabetes	10.6%
Heart disease	6.5%
Stroke	3.0%
Asthma	10.3%
Arthritis	26.1%
Kidney disease	2.8%
Pulmonary disease	8.3%
Cancer	6.3%

Behavior / access	%
Smoking	22.7%
Binge drinking	16.6%
No physical activity	25.9%
Less than 7 hrs sleep	32.2%
Depression	24.2%
Fair or poor health	15.9%
Poor mental health	16.2%
Poor physical health	11.6%
No health insurance	13.1%
Visited doctor (checkup)	73.2%
Visited dentist	62.7%
Cholesterol screening	88.0%
Teeth loss	16.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	35	2.7%

Disability	%
Any disability	8.7%
Under 18	2.8%
18–64 years	10.1%
65 and over	13.8%

Health insurance coverage

Type	%
Private insurance	64.5%
Public insurance	29.7%
No insurance	10.2%
Uninsured under 19	4.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,616	93.3%
Spanish	11	0.7%
Other Indo-European	11	0.7%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,717	99.1%
Born in same state	1,717	99.1%
Born in different state	1,365	78.8%
Foreign born	0	0.0%
Naturalized citizen	15	0.9%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	187	10.8%
Arab	142	8.2%
Italian	125	7.2%

Ancestry	Count	%
Polish	39	2.3%
Irish	16	0.9%
English	15	0.9%

Technology access

Metric	% of households
Computer access	33.1%
Internet access	98.3%

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

Frequently asked questions about ZIP code 46785

What city is ZIP code 46785 in?

ZIP code 46785 is primarily assigned to Saint Joe, Indiana.

What county is ZIP code 46785 in?

ZIP code 46785 falls within Dekalb County, Indiana.

Is ZIP code 46785 mostly owner-occupied?

89% of occupied units in ZIP code 46785 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 46785?

The median home value in ZIP code 46785 is $189,900.

What is the population of ZIP code 46785?

ZIP code 46785 has an estimated population of 1,732 residents, with a density of 68 people per square mile.

What is the median household income in ZIP code 46785?

The median household income in ZIP code 46785 is $69,688, below the national median of ~$75,000.

What timezone is ZIP code 46785 in?

ZIP code 46785 observes the EST timezone.