46982 ZIP Code — Silver Lake, IN

Kosciusko County, Indiana

ZIP code 46982 is located in Silver Lake, Indiana, within Kosciusko County. It covers approximately 44.50 square miles and serves a population of 2,730 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46982

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 $163,200. Owner-occupancy is high at 85%, well above the national average.

Median household income is $70,813. 44% 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 25 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 46982 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

2,730

population

44.50

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46982 ZIP code map

Cities in ZIP code 46982

Below are the cities the US Postal Service accepts for ZIP code 46982. Using any city not on this list may result in mail delivery delays.

City	Status
Silver Lake	Preferred

Nearby ZIP codes

46510 Claypool (4.1 mi) 46962 North Manchester (6.5 mi) 46974 Roann (7.2 mi) 46910 Akron (8.5 mi) 46508 Burket (8.7 mi) 46580 Warsaw (10.2 mi) 46539 Mentone (10.7 mi) 46590 Winona Lake (12.1 mi) 46990 Urbana (12.5 mi) 46951 Macy (13 mi) 46787 South Whitley (13.4 mi) 46926 Denver (15.1 mi)

Demographics updated 06/2026

Population
Total population	2,730
Population density	61 / sq mi
State FIPS	18
County FIPS	085

Geography
Land area	44.50 sq mi
Water area	0.69 sq mi
Latitude	41.0509
Longitude	-85.8742
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	44.2%	39.8%	42.9%
$50k – $100k	44.2%	36.1%	32.7%
$100k – $200k	10.3%	20.2%	19.8%
Over $200k	1.3%	4.0%	4.5%

Demographics & statistics

2,730

Population

People per sq mi

50.2

Median age

$70,813

Median household income

$32,744

Per capita income

$163,200

Median home value

$907

Median monthly rent

85.4%

Home ownership

14.2%

Poverty rate

2.7%

Unemployment

1,203

Housing units

14.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

119

25–34

124

147

35–44

153

143

45–54

149

55–59

176

60–64

183

222

65–74

232

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	555	20.3%
18 and over	2,175	79.7%
65 and over	637	23.3%
Median age	50.2 years

Race & ethnicity

White 97.8%

Hispanic or Latino 1%

Two or more races 0.9%

Other race 0.3%

Group	Count	%
White	2,697	97.8%
Hispanic or Latino	27	1%
Two or more races	25	0.9%
Other race	7	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.2%	39.8%	42.9%
$50k – $100k	44.2%	36.1%	32.7%
$100k – $200k	10.3%	20.2%	19.8%
Over $200k	1.3%	4.0%	4.5%

Under $10k 4.6%

$10k–$15k 4.4%

$15k–$25k 9.5%

$25k–$35k 2.9%

$35k–$50k 12.6%

$50k–$75k 25.4%

$75k–$100k 11.3%

$100k–$150k 21.5%

$150k–$200k 6.4%

$200k+ 1.5%

Range	% of households
Under $10k	4.6%
$10k–$15k	4.4%
$15k–$25k	9.5%
$25k–$35k	2.9%
$35k–$50k	12.6%
$50k–$75k	25.4%
$75k–$100k	11.3%
$100k–$150k	21.5%
$150k–$200k	6.4%
$200k+	1.5%
Median income	$70,813

Housing

Home values

Under $50k 4.9%

$50k–$100k 20.3%

$100k–$150k 19.9%

$150k–$200k 17.4%

$200k–$300k 17.3%

$300k–$500k 19.4%

$500k–$1M 0.2%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$163,200
Median rent / month	$907
Owner occupied	85.4%
Renter occupied	14.6%
Vacant	18.1%
Single-family detached	85.5%
Large apartment buildings	0.0%
Mobile homes	12.8%
Median rooms	6.2
Avg household size (owned)	2.46

Year built

Era	%
2020 or later	0.0%
2010–2019	8.1%
2000–2009	16.9%
1990–1999	14.3%
1980–1989	8.7%
1970–1979	6.7%
1960–1969	4.9%
1950–1959	12.3%
1940–1949	6.7%
1939 or earlier	21.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	7.3%
2 bedrooms	33.7%
3 bedrooms	42.7%
4 bedrooms	11.3%
5+ bedrooms	5.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	28.0%
2 vehicles	30.6%
3 or more	39.5%

Heating fuel

Fuel type	%
Utility gas	40.5%
Electricity	22.5%
Propane / LP gas	21.8%
Fuel oil	3.2%
Wood	10.5%
No fuel used	1.3%

Households & families

Household type	Count	%
Married-couple family	662	59.2%
Cohabiting couple	104	9.3%
Male householder, no spouse	144	12.9%
Female householder, no spouse	209	18.7%
Households with children under 18	286	25.6%
Households with seniors (65+)	418	37.4%
Average household size	2.42

Marital status

Status	Male	Female
Never married	25.2%	13.3%
Married	61.5%	59.2%
Separated	1.7%	1.0%
Widowed	1.5%	6.6%
Divorced	10.0%	19.9%

Education

Less than 9th grade 4.2%

Some HS, no diploma 5.6%

HS graduate 52.0%

Some college, no degree 17.5%

Associate's degree 6.1%

Bachelor's degree 8.3%

Graduate / professional 6.3%

Metric	%
HS diploma or higher	90.2%
Bachelor's or higher	14.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	19	3.6%
Kindergarten	14	2.7%
Elementary school	274	52.0%
High school	156	29.6%
College / grad school	64	12.1%

Employment

Industry of employment

Manufacturing 31.9%

Education & healthcare 14.6%

Arts, food & hospitality 13.1%

Retail trade 8.5%

Professional & management 8.4%

Construction 5.0%

Transportation & utilities 5.0%

Public administration 4.5%

Other services 4.0%

Finance & real estate 2.0%

Agriculture & mining 1.9%

Wholesale trade 1.0%

Information 0.2%

Occupation

Category	%
Management, business & arts	22.9%
Service	24.7%
Sales & office	18.7%
Natural resources & construction	7.3%
Production & transportation	26.5%

Employment type

Type	%
Private sector	78.5%
Government	5.8%
Self-employed	15.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	90.3%
Carpool	1.9%
Public transit	0.3%
Walk	0.6%
Work from home	5.0%
Other means	2.0%
Avg commute (minutes)	24.6

Poverty

All people 14.2%

Under 18 years 16.3%

18 and over 13.7%

Married-couple families 2.9%

Female-led households 47.9%

Income support

Source	% of households
Social Security	43.8%
Retirement income	33.1%
Supplemental Security	5.0%
Cash public assistance	0.0%
Food stamps / SNAP	6.2%

Health indicators

Condition	%
Obesity	40.1%
High blood pressure	36.6%
High cholesterol	34.8%
Diabetes	12.4%
Heart disease	7.6%
Stroke	3.5%
Asthma	10.3%
Arthritis	26.9%
Kidney disease	3.1%
Pulmonary disease	9.8%
Cancer	6.6%

Behavior / access	%
Smoking	24.6%
Binge drinking	15.8%
No physical activity	29.3%
Less than 7 hrs sleep	35.6%
Depression	24.4%
Fair or poor health	18.3%
Poor mental health	16.7%
Poor physical health	12.7%
No health insurance	14.4%
Visited doctor (checkup)	74.3%
Visited dentist	56.8%
Cholesterol screening	87.7%
Teeth loss	19.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	118	5.4%

Disability	%
Any disability	21.9%
Under 18	0.0%
18–64 years	18.7%
65 and over	48.8%

Health insurance coverage

Type	%
Private insurance	62.1%
Public insurance	42.6%
No insurance	8.4%
Uninsured under 19	4.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,616	95.8%
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)	2,685	98.4%
Born in same state	2,674	97.9%
Born in different state	2,194	80.4%
Foreign born	11	0.4%
Naturalized citizen	45	1.6%
Not a US citizen	45	100.0%

Ancestry

Ancestry	Count	%
French	290	10.6%
Italian	282	10.3%
Arab	210	7.7%
German	11	0.4%

Ancestry	Count	%
Norwegian	9	0.3%
English	7	0.3%
Polish	2	0.1%

Technology access

Metric	% of households
Computer access	41.0%
Internet access	94.9%

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

Frequently asked questions about ZIP code 46982

What city is ZIP code 46982 in?

ZIP code 46982 is primarily assigned to Silver Lake, Indiana.

What county is ZIP code 46982 in?

ZIP code 46982 falls within Kosciusko County, Indiana.

Is ZIP code 46982 mostly owner-occupied?

85% of occupied units in ZIP code 46982 are owner-occupied, well above the national average.

Does ZIP code 46982 have a large retiree population?

44% of households in ZIP code 46982 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 46982?

15% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 46982?

The median home value in ZIP code 46982 is $163,200.

What timezone is ZIP code 46982 in?

ZIP code 46982 observes the EST timezone.