46986 ZIP Code — Swayzee, IN

Grant County, Indiana

ZIP code 46986 is located in Swayzee, Indiana, within Grant County. It covers approximately 34.66 square miles and serves a population of 1,671 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 765.

About ZIP code 46986

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 $134,000. Owner-occupancy is high at 90%, well above the national average.

Median household income is $80,600. 35% 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 22 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 46986 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,671
population
34.66
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46986 ZIP code map
Cities in ZIP code 46986

Below are the cities the US Postal Service accepts for ZIP code 46986. Using any city not on this list may result in mail delivery delays.

City Status
Swayzee Acceptable
Swayzee Preferred
Nearby ZIP codes
46936 Greentown (7 mi) 46919 Converse (7 mi) 46928 Fairmount (9.4 mi) 46953 Marion (10 mi) 46933 Gas City (11.3 mi) 46911 Amboy (11.4 mi) 46076 Windfall (12.1 mi) 46952 Marion (12.8 mi) 46940 La Fontaine (13.6 mi) 46070 Summitville (13.7 mi) 46902 Kokomo (15.1 mi) 46036 Elwood (15.2 mi)
Demographics updated 05/2026
Population
Total population 1,671
Population density 48 / sq mi
State FIPS 18
County FIPS 053
Geography
Land area 34.66 sq mi
Water area 0.00 sq mi
Latitude 40.5051
Longitude -85.8158
Timezone Eastern (ET)
Area code 765
Total population by age
Gender
Race & ethnicity
Economics updated 05/2026
Household income
Income range This ZIP County avg State avg
Under $50k 43.7% 53.2% 42.9%
$50k – $100k 34.6% 29.0% 32.7%
$100k – $200k 20.5% 16.3% 19.8%
Over $200k 1.2% 1.5% 4.5%

Demographics & statistics

1,671
Population
48
People per sq mi
46.7
Median age
$80,600
Median household income
$38,329
Per capita income
$134,000
Median home value
$688
Median monthly rent
89.8%
Home ownership
10.1%
Poverty rate
2.2%
Unemployment
698
Housing units
16.2%
Bachelor's or higher

Age distribution

Male Female
45
Under 5
44
53
5–9
51
57
10–14
55
50
15–19
48
52
20–24
51
65
25–34
63
85
35–44
83
146
45–54
143
77
55–59
75
47
60–64
47
106
65–74
104
46
75–84
46
16
85+
16
← Male
Female →

Age summary

GroupCount%
Under 1836521.8%
18 and over1,30678.2%
65 and over33420.0%
Median age46.7 years

Race & ethnicity

White 94.3%
Hispanic or Latino 1.9%
Other race 1.9%
Two or more races 1.1%
Black or African American 0.6%
Asian 0.1%
GroupCount%
White1,60794.3%
Hispanic or Latino331.9%
Other race331.9%
Two or more races191.1%
Black or African American100.6%
Asian20.1%

Household income

Income range This ZIP County avg State avg
Under $50k 43.7% 53.2% 42.9%
$50k – $100k 34.6% 29.0% 32.7%
$100k – $200k 20.5% 16.3% 19.8%
Over $200k 1.2% 1.5% 4.5%
Under $10k 4.7%
$10k–$15k 1.1%
$15k–$25k 7.8%
$25k–$35k 7.3%
$35k–$50k 4.9%
$50k–$75k 21.0%
$75k–$100k 21.4%
$100k–$150k 19.2%
$150k–$200k 5.1%
$200k+ 7.4%
Range% of households
Under $10k4.7%
$10k–$15k1.1%
$15k–$25k7.8%
$25k–$35k7.3%
$35k–$50k4.9%
$50k–$75k21.0%
$75k–$100k21.4%
$100k–$150k19.2%
$150k–$200k5.1%
$200k+7.4%
Median income$80,600

Housing

Home values

Under $50k 12.5%
$50k–$100k 19.4%
$100k–$150k 21.6%
$150k–$200k 18.2%
$200k–$300k 18.7%
$300k–$500k 9.6%

Housing overview

MetricValue
Median home value$134,000
Median rent / month$688
Owner occupied89.8%
Renter occupied10.2%
Vacant5.7%
Single-family detached89.4%
Large apartment buildings0.0%
Mobile homes10.1%
Median rooms6.9
Avg household size (owned)2.22

Year built

Era%
2020 or later0.0%
2010–20191.9%
2000–20091.3%
1990–199910.2%
1980–19897.6%
1970–197919.9%
1960–196913.5%
1950–19596.3%
1940–19492.7%
1939 or earlier36.4%

Bedrooms

Size% of units
No bedroom (studio)0.4%
1 bedroom1.8%
2 bedrooms20.5%
3 bedrooms49.1%
4 bedrooms19.9%
5+ bedrooms8.3%

Vehicles per household

Vehicles% of households
No vehicle2.6%
1 vehicle26.8%
2 vehicles35.4%
3 or more35.2%

Heating fuel

Fuel type%
Utility gas49.3%
Electricity31.3%
Propane / LP gas10.7%
Fuel oil0.3%
Wood7.8%
No fuel used0.3%

Households & families

Household typeCount%
Married-couple family40655.8%
Cohabiting couple364.9%
Male householder, no spouse12216.8%
Female householder, no spouse16422.5%
Households with children under 1816422.5%
Households with seniors (65+)25134.5%
Average household size2.30

Marital status

StatusMaleFemale
Never married19.2%17.7%
Married59.8%60.1%
Separated0.0%1.7%
Widowed2.1%13.5%
Divorced18.9%7.0%

Education

Less than 9th grade 1.3%
Some HS, no diploma 7.7%
HS graduate 40.3%
Some college, no degree 21.6%
Associate's degree 12.8%
Bachelor's degree 11.7%
Graduate / professional 4.5%
Metric%
HS diploma or higher91.0%
Bachelor's or higher16.2%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool195.1%
Kindergarten41.1%
Elementary school21958.9%
High school7319.6%
College / grad school5715.3%

Employment

Industry of employment

Manufacturing 27.3%
Education & healthcare 19.5%
Retail trade 13.1%
Transportation & utilities 10.1%
Other services 8.2%
Professional & management 6.1%
Agriculture & mining 4.6%
Public administration 2.9%
Arts, food & hospitality 2.8%
Information 2.2%
Wholesale trade 1.3%
Finance & real estate 1.2%
Construction 0.8%

Occupation

Category%
Management, business & arts33.7%
Service7.0%
Sales & office17.2%
Natural resources & construction7.0%
Production & transportation35.2%

Employment type

Type%
Private sector83.8%
Government8.1%
Self-employed8.2%
Unpaid family workers0.0%

Commute

Method%
Drive alone83.6%
Carpool9.3%
Public transit0.1%
Walk2.0%
Work from home4.3%
Other means0.6%
Avg commute (minutes)21.6

Poverty

All people 10.1%
Under 18 years 15.9%
18 and over 8.5%
Married-couple families 4.9%
Female-led households 28.0%

Income support

Source% of households
Social Security35.2%
Retirement income22.4%
Supplemental Security2.7%
Cash public assistance0.4%
Food stamps / SNAP3.0%

Health indicators

Condition%
Obesity35.9%
High blood pressure36.7%
High cholesterol34.4%
Diabetes10.8%
Heart disease6.9%
Stroke3.0%
Asthma9.6%
Arthritis27.7%
Kidney disease2.9%
Pulmonary disease7.9%
Cancer7.3%
Behavior / access%
Smoking19.2%
Binge drinking16.3%
No physical activity24.8%
Less than 7 hrs sleep31.6%
Depression22.4%
Fair or poor health14.2%
Poor mental health14.5%
Poor physical health10.6%
No health insurance11.6%
Visited doctor (checkup)75.5%
Visited dentist63.4%
Cholesterol screening90.2%
Teeth loss14.8%

Veterans & disability

VeteransCount%
Civilian veterans1017.7%
Disability%
Any disability16.8%
Under 1814.8%
18–64 years13.2%
65 and over29.3%

Health insurance coverage

Type%
Private insurance70.1%
Public insurance34.2%
No insurance9.3%
Uninsured under 194.6%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,58294.7%
Spanish20.1%
Other Indo-European00.0%
Asian & Pacific Islander00.0%
Other languages20.1%

Place of birth & citizenship

OriginCount%
Native born (US)1,63297.7%
Born in same state1,62797.4%
Born in different state1,36681.7%
Foreign born50.3%
Naturalized citizen392.3%
Not a US citizen3794.9%

Ancestry

AncestryCount%
Arab20712.4%
French1539.2%
Italian1368.1%
AncestryCount%
English563.4%
Polish30.2%

Technology access

Metric% of households
Computer access43.6%
Internet access95.1%

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

Frequently asked questions about ZIP code 46986

What city is ZIP code 46986 in?

ZIP code 46986 is primarily assigned to Swayzee, Indiana.

What county is ZIP code 46986 in?

ZIP code 46986 falls within Grant County, Indiana.

Is ZIP code 46986 mostly owner-occupied?

90% of occupied units in ZIP code 46986 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 46986?

The median home value in ZIP code 46986 is $134,000.

Does ZIP code 46986 have a large retiree population?

35% of households in ZIP code 46986 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 46986?

ZIP code 46986 has an estimated population of 1,671 residents, with a density of 48 people per square mile.

What timezone is ZIP code 46986 in?

ZIP code 46986 observes the EST timezone.

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