47460 ZIP Code — Spencer, IN

Owen County, Indiana

ZIP code 47460 is located in Spencer, Indiana, within Owen County. It covers approximately 150.54 square miles and serves a population of 11,442 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 812.

About ZIP code 47460

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 $155,400. Owner-occupancy is high at 80%, well above the national average.

Median household income is $59,427. 39% 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 (24%) compared to national benchmarks.

Overall, ZIP code 47460 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

11,442

population

150.54

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

47460 ZIP code map

Cities in ZIP code 47460

Below are the cities the US Postal Service accepts for ZIP code 47460. Using any city not on this list may result in mail delivery delays.

City	Status
Spencer	Acceptable
Spencer	Preferred

Nearby ZIP codes

47431 Freedom (6.7 mi) 47433 Gosport (8.4 mi) 47868 Poland (8.5 mi) 47429 Ellettsville (9.8 mi) 47833 Bowling Green (10 mi) 47404 Bloomington (10.6 mi) 47427 Coal City (10.7 mi) 47456 Quincy (11.8 mi) 47459 Solsberry (13.7 mi) 46166 Paragon (15.1 mi) 47840 Centerpoint (15.4 mi) 46120 Cloverdale (15.4 mi)

Demographics updated 06/2026

Population
Total population	11,442
Population density	76 / sq mi
State FIPS	18
County FIPS	119

Geography
Land area	150.54 sq mi
Water area	0.38 sq mi
Latitude	39.3001
Longitude	-86.8009
Timezone	Eastern (ET)
Area code	812

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.5%	47.5%	42.9%
$50k – $100k	37.3%	36.2%	32.7%
$100k – $200k	15.0%	15.0%	19.8%
Over $200k	1.2%	1.3%	4.5%

Demographics & statistics

11,442

Population

People per sq mi

46.0

Median age

$59,427

Median household income

$30,717

Per capita income

$155,400

Median home value

$799

Median monthly rent

80.2%

Home ownership

9.5%

Poverty rate

5.2%

Unemployment

4,207

Housing units

17.1%

Bachelor's or higher

Age distribution

Male Female

289

Under 5

309

245

5–9

262

302

10–14

321

278

15–19

296

266

20–24

284

621

25–34

662

705

35–44

752

739

45–54

788

438

55–59

467

420

60–64

448

726

65–74

773

334

75–84

357

174

85+

186

← Male

Female →

Age summary

Group	Count	%
Under 18	2,156	18.8%
18 and over	9,286	81.2%
65 and over	2,550	22.3%
Median age	46.0 years

Race & ethnicity

White 93.9%

Two or more races 3.3%

Hispanic or Latino 1.5%

Asian 0.9%

Other race 0.2%

Black or African American 0.2%

American Indian / Alaska Native 0.1%

Group	Count	%
White	10,915	93.9%
Two or more races	379	3.3%
Hispanic or Latino	178	1.5%
Asian	100	0.9%
Other race	20	0.2%
Black or African American	19	0.2%
American Indian / Alaska Native	9	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.5%	47.5%	42.9%
$50k – $100k	37.3%	36.2%	32.7%
$100k – $200k	15.0%	15.0%	19.8%
Over $200k	1.2%	1.3%	4.5%

Under $10k 4.4%

$10k–$15k 1.9%

$15k–$25k 11.5%

$25k–$35k 9.9%

$35k–$50k 13.6%

$50k–$75k 20.2%

$75k–$100k 16.4%

$100k–$150k 14.2%

$150k–$200k 5.3%

$200k+ 2.7%

Range	% of households
Under $10k	4.4%
$10k–$15k	1.9%
$15k–$25k	11.5%
$25k–$35k	9.9%
$35k–$50k	13.6%
$50k–$75k	20.2%
$75k–$100k	16.4%
$100k–$150k	14.2%
$150k–$200k	5.3%
$200k+	2.7%
Median income	$59,427

Housing

Home values

Under $50k 11.6%

$50k–$100k 12.1%

$100k–$150k 24.1%

$150k–$200k 17.6%

$200k–$300k 25.0%

$300k–$500k 7.3%

$500k–$1M 1.8%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$155,400
Median rent / month	$799
Owner occupied	80.2%
Renter occupied	19.8%
Vacant	8.7%
Single-family detached	75.2%
Large apartment buildings	1.1%
Mobile homes	16.7%
Median rooms	5.7
Avg household size (owned)	2.40

Year built

Era	%
2020 or later	1.1%
2010–2019	7.8%
2000–2009	13.0%
1990–1999	15.6%
1980–1989	9.2%
1970–1979	14.8%
1960–1969	10.8%
1950–1959	6.2%
1940–1949	4.8%
1939 or earlier	16.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	10.6%
2 bedrooms	24.6%
3 bedrooms	50.5%
4 bedrooms	11.5%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	29.2%
2 vehicles	43.1%
3 or more	24.7%

Heating fuel

Fuel type	%
Utility gas	34.7%
Electricity	33.7%
Propane / LP gas	21.4%
Fuel oil	0.2%
Wood	9.4%

Households & families

Household type	Count	%
Married-couple family	2,363	50.4%
Cohabiting couple	412	8.8%
Male householder, no spouse	796	17.0%
Female householder, no spouse	1,120	23.9%
Households with children under 18	1,182	25.2%
Households with seniors (65+)	1,742	37.1%
Average household size	2.41

Marital status

Status	Male	Female
Never married	23.2%	18.0%
Married	53.9%	49.3%
Separated	0.8%	3.1%
Widowed	3.6%	11.2%
Divorced	18.5%	18.4%

Education

Less than 9th grade 2.3%

Some HS, no diploma 11.8%

HS graduate 40.5%

Some college, no degree 19.6%

Associate's degree 8.7%

Bachelor's degree 11.8%

Graduate / professional 5.3%

Metric	%
HS diploma or higher	85.9%
Bachelor's or higher	17.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	66	3.4%
Kindergarten	169	8.8%
Elementary school	945	49.0%
High school	411	21.3%
College / grad school	338	17.5%

Employment

Industry of employment

Manufacturing 27.0%

Education & healthcare 22.0%

Construction 9.1%

Retail trade 6.8%

Public administration 5.9%

Arts, food & hospitality 5.0%

Professional & management 4.9%

Transportation & utilities 4.6%

Finance & real estate 4.6%

Other services 4.4%

Agriculture & mining 3.1%

Information 1.7%

Wholesale trade 1.1%

Occupation

Category	%
Management, business & arts	30.3%
Service	18.9%
Sales & office	11.2%
Natural resources & construction	14.3%
Production & transportation	25.3%

Employment type

Type	%
Private sector	77.1%
Government	14.0%
Self-employed	8.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.0%
Carpool	7.1%
Public transit	0.6%
Walk	1.1%
Work from home	5.7%
Other means	0.5%
Avg commute (minutes)	27.3

Poverty

All people 9.5%

Under 18 years 11.6%

18 and over 9.0%

Married-couple families 3.6%

Female-led households 23.5%

Income support

Source	% of households
Social Security	39.1%
Retirement income	27.6%
Supplemental Security	5.6%
Cash public assistance	1.8%
Food stamps / SNAP	8.8%

Health indicators

Condition	%
Obesity	39.6%
High blood pressure	37.8%
High cholesterol	36.1%
Diabetes	12.8%
Heart disease	7.9%
Stroke	3.7%
Asthma	10.5%
Arthritis	29.4%
Kidney disease	3.3%
Pulmonary disease	10.1%
Cancer	7.2%

Behavior / access	%
Smoking	24.1%
Binge drinking	15.5%
No physical activity	29.3%
Less than 7 hrs sleep	37.0%
Depression	23.8%
Fair or poor health	18.7%
Poor mental health	16.3%
Poor physical health	13.0%
No health insurance	13.9%
Visited doctor (checkup)	74.8%
Visited dentist	58.1%
Cholesterol screening	88.4%
Teeth loss	19.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	932	10.0%

Disability	%
Any disability	20.7%
Under 18	2.0%
18–64 years	19.0%
65 and over	41.6%

Health insurance coverage

Type	%
Private insurance	61.3%
Public insurance	43.3%
No insurance	9.4%
Uninsured under 19	7.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,844	94.8%
Spanish	36	0.3%
Other Indo-European	12	0.1%
Asian & Pacific Islander	19	0.2%
Other languages	5	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,367	99.3%
Born in same state	11,282	98.6%
Born in different state	9,203	80.4%
Foreign born	85	0.7%
Naturalized citizen	75	0.7%
Not a US citizen	51	68.0%

Ancestry

Ancestry	Count	%
French	1,475	12.9%
Italian	1,282	11.2%
Arab	1,072	9.4%
English	153	1.3%

Ancestry	Count	%
German	69	0.6%
Irish	23	0.2%
Polish	19	0.2%

Technology access

Metric	% of households
Computer access	41.0%
Internet access	88.6%

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

Frequently asked questions about ZIP code 47460

What city is ZIP code 47460 in?

ZIP code 47460 is primarily assigned to Spencer, Indiana.

What county is ZIP code 47460 in?

ZIP code 47460 falls within Owen County, Indiana.

Is ZIP code 47460 mostly owner-occupied?

80% of occupied units in ZIP code 47460 are owner-occupied, well above the national average.

Does ZIP code 47460 have a large retiree population?

39% of households in ZIP code 47460 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 47460 have a large veteran population?

10% of civilians in ZIP code 47460 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 47460?

The median home value in ZIP code 47460 is $155,400.

What timezone is ZIP code 47460 in?

ZIP code 47460 observes the EST timezone.