46788 ZIP Code — Spencerville, IN

Allen County, Indiana

ZIP code 46788 is located in Spencerville, Indiana, within Allen County. It covers approximately 34.55 square miles and serves a population of 4,099 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46788

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 $225,800. Owner-occupancy is high at 96%, well above the national average.

The gap between median ($94,784) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average.

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.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

4,099

population

34.55

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46788 ZIP code map

Cities in ZIP code 46788

Below are the cities the US Postal Service accepts for ZIP code 46788. Using any city not on this list may result in mail delivery delays.

City	Status
Spencerville	Acceptable
Spencerville	Preferred

Nearby ZIP codes

46743 Harlan (3.5 mi) 46785 Saint Joe (3.8 mi) 46741 Grabill (4.5 mi) 46765 Leo (7.2 mi) 46706 Auburn (7.7 mi) 46797 Woodburn (10.4 mi) 46845 Fort Wayne (10.5 mi) 43526 Hicksville (10.5 mi) 46721 Butler (10.8 mi) 46835 Fort Wayne (10.8 mi) 45813 Antwerp (11.4 mi) 46774 New Haven (12 mi)

Demographics updated 05/2026

Population
Total population	4,099
Population density	119 / sq mi
State FIPS	18
County FIPS	003

Geography
Land area	34.55 sq mi
Water area	0.33 sq mi
Latitude	41.2686
Longitude	-84.9118
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	21.1%	43.7%	42.9%
$50k – $100k	44.1%	34.2%	32.7%
$100k – $200k	28.1%	18.1%	19.8%
Over $200k	6.7%	4.0%	4.5%

Demographics & statistics

4,099

Population

119

People per sq mi

27.5

Median age

$94,784

Median household income

$42,132

Per capita income

$225,800

Median home value

Median monthly rent

95.8%

Home ownership

4.7%

Poverty rate

3.6%

Unemployment

1,154

Housing units

27.4%

Bachelor's or higher

Age distribution

Male Female

265

Under 5

272

316

5–9

324

138

10–14

141

139

15–19

143

20–24

270

25–34

277

252

35–44

258

219

45–54

226

100

55–59

103

60–64

142

65–74

146

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,524	37.2%
18 and over	2,575	62.8%
65 and over	390	9.5%
Median age	27.5 years

Race & ethnicity

White 87.8%

Hispanic or Latino 6.1%

Two or more races 6.1%

Group	Count	%
White	3,832	87.8%
Hispanic or Latino	267	6.1%
Two or more races	267	6.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.1%	43.7%	42.9%
$50k – $100k	44.1%	34.2%	32.7%
$100k – $200k	28.1%	18.1%	19.8%
Over $200k	6.7%	4.0%	4.5%

Under $10k 0.8%

$15k–$25k 2.8%

$25k–$35k 5.6%

$35k–$50k 11.7%

$50k–$75k 13.9%

$75k–$100k 21.7%

$100k–$150k 21.3%

$150k–$200k 8.1%

$200k+ 14.1%

Range	% of households
Under $10k	0.8%
$15k–$25k	2.8%
$25k–$35k	5.6%
$35k–$50k	11.7%
$50k–$75k	13.9%
$75k–$100k	21.7%
$100k–$150k	21.3%
$150k–$200k	8.1%
$200k+	14.1%
Median income	$94,784

Housing

Home values

Under $50k 11.5%

$50k–$100k 1.9%

$100k–$150k 18.5%

$150k–$200k 6.7%

$200k–$300k 27.0%

$300k–$500k 14.1%

$500k–$1M 19.5%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$225,800
Median rent / month	$0
Owner occupied	95.8%
Renter occupied	4.2%
Vacant	2.0%
Single-family detached	93.6%
Large apartment buildings	0.0%
Mobile homes	6.4%
Median rooms	7.7
Avg household size (owned)	3.50

Year built

Era	%
2020 or later	0.0%
2010–2019	8.9%
2000–2009	20.2%
1990–1999	8.6%
1980–1989	9.1%
1970–1979	12.6%
1960–1969	6.3%
1950–1959	6.1%
1940–1949	3.4%
1939 or earlier	24.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	14.0%
3 bedrooms	53.8%
4 bedrooms	27.7%
5+ bedrooms	4.4%

Vehicles per household

Vehicles	% of households
No vehicle	8.2%
1 vehicle	10.8%
2 vehicles	34.7%
3 or more	46.2%

Heating fuel

Fuel type	%
Utility gas	41.4%
Electricity	14.8%
Propane / LP gas	33.9%
Fuel oil	1.5%
Wood	2.5%
No fuel used	2.0%

Households & families

Household type	Count	%
Married-couple family	825	69.9%
Cohabiting couple	138	11.7%
Male householder, no spouse	147	12.5%
Female householder, no spouse	70	5.9%
Households with children under 18	482	40.8%
Households with seniors (65+)	224	19.0%
Average household size	3.47

Marital status

Status	Male	Female
Never married	27.6%	21.6%
Married	62.6%	71.2%
Separated	0.6%	0.0%
Widowed	1.3%	0.6%
Divorced	7.9%	6.7%

Education

Less than 9th grade 13.7%

Some HS, no diploma 0.4%

HS graduate 31.4%

Some college, no degree 17.1%

Associate's degree 10.0%

Bachelor's degree 15.7%

Graduate / professional 11.8%

Metric	%
HS diploma or higher	85.9%
Bachelor's or higher	27.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	94	9.4%
Kindergarten	173	17.4%
Elementary school	587	58.9%
High school	57	5.7%
College / grad school	85	8.5%

Employment

Industry of employment

Manufacturing 22.0%

Construction 21.6%

Education & healthcare 17.3%

Retail trade 12.9%

Professional & management 6.9%

Other services 6.6%

Finance & real estate 5.3%

Transportation & utilities 3.0%

Wholesale trade 2.9%

Arts, food & hospitality 1.5%

Occupation

Category	%
Management, business & arts	39.5%
Service	9.0%
Sales & office	17.4%
Natural resources & construction	19.4%
Production & transportation	14.7%

Employment type

Type	%
Private sector	89.6%
Government	2.3%
Self-employed	8.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.0%
Carpool	15.8%
Public transit	0.0%
Walk	1.1%
Work from home	4.1%
Other means	2.1%
Avg commute (minutes)	26.8

Poverty

All people 4.7%

Under 18 years 5.1%

18 and over 4.5%

Married-couple families 3.6%

Female-led households 0.0%

Income support

Source	% of households
Social Security	27.5%
Retirement income	20.4%
Supplemental Security	7.4%
Cash public assistance	1.9%
Food stamps / SNAP	1.9%

Health indicators

Condition	%
Obesity	37.2%
High blood pressure	33.6%
High cholesterol	32.1%
Diabetes	10.2%
Heart disease	6.5%
Stroke	3.0%
Asthma	10.6%
Arthritis	26.2%
Kidney disease	2.7%
Pulmonary disease	8.6%
Cancer	6.2%

Behavior / access	%
Smoking	23.8%
Binge drinking	17.1%
No physical activity	25.8%
Less than 7 hrs sleep	32.1%
Depression	24.6%
Fair or poor health	16.2%
Poor mental health	16.3%
Poor physical health	11.8%
No health insurance	13.4%
Visited doctor (checkup)	73.0%
Visited dentist	61.6%
Cholesterol screening	87.4%
Teeth loss	17.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	180	7.0%

Disability	%
Any disability	9.6%
Under 18	2.6%
18–64 years	12.1%
65 and over	22.8%

Health insurance coverage

Type	%
Private insurance	63.0%
Public insurance	31.8%
No insurance	14.9%
Uninsured under 19	18.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,562	86.9%
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)	4,069	99.3%
Born in same state	4,069	99.3%
Born in different state	3,043	74.2%
Foreign born	0	0.0%
Naturalized citizen	30	0.7%
Not a US citizen	30	100.0%

Ancestry

Ancestry	Count	%
Arab	503	12.3%
Italian	483	11.8%

Ancestry	Count	%
French	475	11.6%
English	130	3.2%

Technology access

Metric	% of households
Computer access	28.8%
Internet access	93.5%

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

Frequently asked questions about ZIP code 46788

What city is ZIP code 46788 in?

ZIP code 46788 is primarily assigned to Spencerville, Indiana.

What county is ZIP code 46788 in?

ZIP code 46788 falls within Allen County, Indiana.

Is ZIP code 46788 family-oriented?

37% of residents in ZIP code 46788 are under 18, reflecting a younger, family-oriented community.

Is ZIP code 46788 mostly owner-occupied?

96% of occupied units in ZIP code 46788 are owner-occupied, well above the national average.

What is the population of ZIP code 46788?

ZIP code 46788 has an estimated population of 4,099 residents, with a density of 119 people per square mile.

What is the median household income in ZIP code 46788?

The median household income in ZIP code 46788 is $94,784, above the national median of ~$75,000.

What timezone is ZIP code 46788 in?

ZIP code 46788 observes the EST timezone.