46787 ZIP Code — South Whitley, IN

Whitley County, Indiana

ZIP code 46787 is located in South Whitley, Indiana, within Whitley County. It covers approximately 65.71 square miles and serves a population of 4,077 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46787

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 $145,400. Owner-occupancy is high at 85%, well above the national average.

Median household income is $65,592. 31% 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 27 minutes is near the national average.

College attainment at 17% 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. 19% of residents lack health insurance, above the national average.

Overall, ZIP code 46787 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,077

population

65.71

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46787 ZIP code map

Cities in ZIP code 46787

Below are the cities the US Postal Service accepts for ZIP code 46787. Using any city not on this list may result in mail delivery delays.

City	Status
South Whitley	Acceptable
South Whitley	Preferred

Nearby ZIP codes

46725 Columbia City (9.1 mi) 46764 Larwill (10.4 mi) 46962 North Manchester (10.5 mi) 46562 Pierceton (11 mi) 46510 Claypool (13 mi) 46990 Urbana (13.2 mi) 46982 Silver Lake (13.4 mi) 46590 Winona Lake (14.1 mi) 46783 Roanoke (15.5 mi) 46750 Huntington (16.1 mi) 46580 Warsaw (16.2 mi) 46814 Fort Wayne (16.3 mi)

Demographics updated 05/2026

Population
Total population	4,077
Population density	62 / sq mi
State FIPS	18
County FIPS	183

Geography
Land area	65.71 sq mi
Water area	0.13 sq mi
Latitude	41.0713
Longitude	-85.6175
Timezone	Eastern (ET)
Area code	260

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.3%	38.0%	42.9%
$50k – $100k	32.7%	38.5%	32.7%
$100k – $200k	22.1%	20.3%	19.8%
Over $200k	4.9%	3.2%	4.5%

Demographics & statistics

4,077

Population

People per sq mi

34.5

Median age

$65,592

Median household income

$29,848

Per capita income

$145,400

Median home value

$800

Median monthly rent

84.9%

Home ownership

15.6%

Poverty rate

4.5%

Unemployment

1,228

Housing units

17.1%

Bachelor's or higher

Age distribution

Male Female

181

Under 5

161

176

5–9

157

208

10–14

186

143

15–19

128

118

20–24

106

264

25–34

236

266

35–44

238

280

45–54

249

107

55–59

125

60–64

111

197

65–74

175

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,250	30.7%
18 and over	2,827	69.3%
65 and over	542	13.3%
Median age	34.5 years

Race & ethnicity

White 96.7%

Two or more races 1.4%

Hispanic or Latino 0.9%

Asian 0.5%

American Indian / Alaska Native 0.3%

Black or African American 0.2%

Group	Count	%
White	3,979	96.7%
Two or more races	59	1.4%
Hispanic or Latino	37	0.9%
Asian	21	0.5%
American Indian / Alaska Native	11	0.3%
Black or African American	7	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.3%	38.0%	42.9%
$50k – $100k	32.7%	38.5%	32.7%
$100k – $200k	22.1%	20.3%	19.8%
Over $200k	4.9%	3.2%	4.5%

Under $10k 2.2%

$10k–$15k 2.7%

$15k–$25k 7.5%

$25k–$35k 8.6%

$35k–$50k 14.6%

$50k–$75k 18.9%

$75k–$100k 16.4%

$100k–$150k 18.9%

$150k–$200k 2.3%

$200k+ 7.8%

Range	% of households
Under $10k	2.2%
$10k–$15k	2.7%
$15k–$25k	7.5%
$25k–$35k	8.6%
$35k–$50k	14.6%
$50k–$75k	18.9%
$75k–$100k	16.4%
$100k–$150k	18.9%
$150k–$200k	2.3%
$200k+	7.8%
Median income	$65,592

Housing

Home values

Under $50k 5.7%

$50k–$100k 22.4%

$100k–$150k 25.4%

$150k–$200k 14.3%

$200k–$300k 14.6%

$300k–$500k 9.3%

$500k–$1M 8.2%

Housing overview

Metric	Value
Median home value	$145,400
Median rent / month	$800
Owner occupied	84.9%
Renter occupied	15.1%
Vacant	3.5%
Single-family detached	88.9%
Large apartment buildings	0.3%
Mobile homes	5.1%
Median rooms	7.1
Avg household size (owned)	2.99

Year built

Era	%
2020 or later	0.7%
2010–2019	5.1%
2000–2009	11.1%
1990–1999	10.9%
1980–1989	6.1%
1970–1979	8.6%
1960–1969	5.6%
1950–1959	8.5%
1940–1949	2.8%
1939 or earlier	40.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.1%
2 bedrooms	10.5%
3 bedrooms	50.4%
4 bedrooms	23.5%
5+ bedrooms	10.5%

Vehicles per household

Vehicles	% of households
No vehicle	12.3%
1 vehicle	21.3%
2 vehicles	35.3%
3 or more	31.0%

Heating fuel

Fuel type	%
Utility gas	47.4%
Electricity	18.7%
Propane / LP gas	14.6%
Fuel oil	2.7%
Wood	6.1%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	780	56.2%
Cohabiting couple	152	11.0%
Male householder, no spouse	216	15.6%
Female householder, no spouse	239	17.2%
Households with children under 18	512	36.9%
Households with seniors (65+)	363	26.2%
Average household size	2.93

Marital status

Status	Male	Female
Never married	29.6%	22.7%
Married	51.6%	55.9%
Separated	0.2%	1.1%
Widowed	0.9%	7.0%
Divorced	17.7%	13.4%

Education

Less than 9th grade 6.3%

Some HS, no diploma 8.6%

HS graduate 40.9%

Some college, no degree 18.4%

Associate's degree 8.7%

Bachelor's degree 11.0%

Graduate / professional 6.1%

Metric	%
HS diploma or higher	85.1%
Bachelor's or higher	17.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	154	15.1%
Kindergarten	51	5.0%
Elementary school	438	42.9%
High school	211	20.7%
College / grad school	167	16.4%

Employment

Industry of employment

Manufacturing 30.5%

Education & healthcare 16.0%

Agriculture & mining 11.5%

Retail trade 8.3%

Finance & real estate 6.3%

Construction 6.2%

Professional & management 6.2%

Other services 4.0%

Transportation & utilities 3.8%

Public administration 3.6%

Arts, food & hospitality 2.3%

Information 0.8%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	30.0%
Service	16.7%
Sales & office	13.0%
Natural resources & construction	13.8%
Production & transportation	26.5%

Employment type

Type	%
Private sector	72.3%
Government	10.6%
Self-employed	14.6%
Unpaid family workers	2.4%

Commute

Method	%
Drive alone	78.9%
Carpool	4.2%
Public transit	0.0%
Walk	4.8%
Work from home	12.1%
Other means	0.0%
Avg commute (minutes)	27.2

Poverty

All people 15.6%

Under 18 years 22.8%

18 and over 12.5%

Married-couple families 7.4%

Female-led households 35.9%

Income support

Source	% of households
Social Security	30.9%
Retirement income	15.5%
Supplemental Security	3.5%
Cash public assistance	1.9%
Food stamps / SNAP	6.6%

Health indicators

Condition	%
Obesity	37.0%
High blood pressure	34.0%
High cholesterol	34.5%
Diabetes	10.2%
Heart disease	6.8%
Stroke	3.0%
Asthma	9.8%
Arthritis	26.9%
Kidney disease	2.8%
Pulmonary disease	8.1%
Cancer	6.8%

Behavior / access	%
Smoking	21.9%
Binge drinking	17.1%
No physical activity	25.8%
Less than 7 hrs sleep	34.5%
Depression	24.4%
Fair or poor health	14.9%
Poor mental health	15.8%
Poor physical health	10.9%
No health insurance	12.9%
Visited doctor (checkup)	73.6%
Visited dentist	63.3%
Cholesterol screening	88.5%
Teeth loss	16.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	223	7.9%

Disability	%
Any disability	12.9%
Under 18	11.2%
18–64 years	10.1%
65 and over	28.4%

Health insurance coverage

Type	%
Private insurance	54.5%
Public insurance	37.7%
No insurance	18.6%
Uninsured under 19	26.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,735	91.6%
Spanish	24	0.6%
Other Indo-European	0	0.0%
Asian & Pacific Islander	3	0.1%
Other languages	21	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,025	98.7%
Born in same state	4,023	98.7%
Born in different state	3,479	85.3%
Foreign born	2	0.0%
Naturalized citizen	52	1.3%
Not a US citizen	21	40.4%

Ancestry

Ancestry	Count	%
Italian	429	10.5%
Arab	425	10.4%
French	257	6.3%
English	164	4%

Ancestry	Count	%
Polish	15	0.4%
German	11	0.3%
Irish	11	0.3%

Technology access

Metric	% of households
Computer access	34.0%
Internet access	84.2%

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

Frequently asked questions about ZIP code 46787

What city is ZIP code 46787 in?

ZIP code 46787 is primarily assigned to South Whitley, Indiana.

What county is ZIP code 46787 in?

ZIP code 46787 falls within Whitley County, Indiana.

Is ZIP code 46787 family-oriented?

31% of residents in ZIP code 46787 are under 18, reflecting a younger, family-oriented community.

Is ZIP code 46787 mostly owner-occupied?

85% of occupied units in ZIP code 46787 are owner-occupied, well above the national average.

What is the poverty rate in ZIP code 46787?

16% of residents in ZIP code 46787 live below the poverty line, above the national average.

What is the typical home value in ZIP code 46787?

The median home value in ZIP code 46787 is $145,400.

What timezone is ZIP code 46787 in?

ZIP code 46787 observes the EST timezone.