46793 ZIP Code — Waterloo, IN

Dekalb County, Indiana

ZIP code 46793 is located in Waterloo, Indiana, within Dekalb County. It covers approximately 53.03 square miles and serves a population of 4,281 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 260.

About ZIP code 46793

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 $165,400. Owner-occupancy is high at 83%, well above the national average.

Median household income is $74,177. 32% 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 18% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (23%) compared to national benchmarks.

Overall, ZIP code 46793 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

4,281

population

53.03

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46793 ZIP code map

Cities in ZIP code 46793

Below are the cities the US Postal Service accepts for ZIP code 46793. Using any city not on this list may result in mail delivery delays.

City	Status
Waterloo	Acceptable
Waterloo	Preferred

Nearby ZIP codes

46705 Ashley (4.6 mi) 46730 Corunna (6 mi) 46779 Pleasant Lake (7.9 mi) 46721 Butler (8 mi) 46706 Auburn (8.8 mi) 46747 Hudson (9.3 mi) 46742 Hamilton (9.3 mi) 46738 Garrett (11.2 mi) 46785 Saint Joe (12.3 mi) 46755 Kendallville (12.9 mi) 46710 Avilla (13.6 mi) 46703 Angola (13.9 mi)

Demographics updated 07/2026

Population
Total population	4,281
Population density	81 / sq mi
State FIPS	18
County FIPS	033

Geography
Land area	53.03 sq mi
Water area	0.14 sq mi
Latitude	41.4626
Longitude	-85.0307
Timezone	Eastern (ET)
Area code	260

Total population by age

Gender

Race & ethnicity

Economics updated 07/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.7%	41.8%	42.9%
$50k – $100k	40.5%	37.0%	32.7%
$100k – $200k	14.4%	18.4%	19.8%
Over $200k	5.3%	2.8%	4.5%

Demographics & statistics

4,281

Population

People per sq mi

39.0

Median age

$74,177

Median household income

$39,070

Per capita income

$165,400

Median home value

$777

Median monthly rent

82.6%

Home ownership

10.0%

Poverty rate

4.4%

Unemployment

1,479

Housing units

17.7%

Bachelor's or higher

Age distribution

Male Female

148

Under 5

143

106

5–9

101

142

10–14

137

171

15–19

165

180

20–24

172

222

25–34

213

263

35–44

252

289

45–54

277

234

55–59

225

60–64

210

65–74

201

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	972	22.7%
18 and over	3,309	77.3%
65 and over	646	15.1%
Median age	39.0 years

Race & ethnicity

White 92.5%

Two or more races 3.6%

Hispanic or Latino 2.2%

Other race 1%

Asian 0.6%

Group	Count	%
White	4,051	92.5%
Two or more races	158	3.6%
Hispanic or Latino	98	2.2%
Other race	45	1%
Asian	25	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.7%	41.8%	42.9%
$50k – $100k	40.5%	37.0%	32.7%
$100k – $200k	14.4%	18.4%	19.8%
Over $200k	5.3%	2.8%	4.5%

Under $10k 2.8%

$10k–$15k 2.4%

$15k–$25k 6.4%

$25k–$35k 8.1%

$35k–$50k 13.0%

$50k–$75k 18.8%

$75k–$100k 21.4%

$100k–$150k 17.8%

$150k–$200k 2.5%

$200k+ 6.7%

Range	% of households
Under $10k	2.8%
$10k–$15k	2.4%
$15k–$25k	6.4%
$25k–$35k	8.1%
$35k–$50k	13.0%
$50k–$75k	18.8%
$75k–$100k	21.4%
$100k–$150k	17.8%
$150k–$200k	2.5%
$200k+	6.7%
Median income	$74,177

Housing

Home values

Under $50k 8.7%

$50k–$100k 14.5%

$100k–$150k 22.3%

$150k–$200k 11.2%

$200k–$300k 22.5%

$300k–$500k 13.4%

$500k–$1M 6.9%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$165,400
Median rent / month	$777
Owner occupied	82.6%
Renter occupied	17.4%
Vacant	4.6%
Single-family detached	85.3%
Large apartment buildings	0.4%
Mobile homes	8.2%
Median rooms	6.4
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	1.2%
2010–2019	3.2%
2000–2009	20.8%
1990–1999	10.4%
1980–1989	10.7%
1970–1979	12.5%
1960–1969	2.4%
1950–1959	5.4%
1940–1949	1.8%
1939 or earlier	31.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	4.3%
2 bedrooms	16.4%
3 bedrooms	60.5%
4 bedrooms	17.1%
5+ bedrooms	1.4%

Vehicles per household

Vehicles	% of households
No vehicle	1.9%
1 vehicle	22.0%
2 vehicles	38.5%
3 or more	37.6%

Heating fuel

Fuel type	%
Utility gas	39.7%
Electricity	18.2%
Propane / LP gas	33.5%
Fuel oil	1.5%
Wood	3.4%
No fuel used	2.2%

Households & families

Household type	Count	%
Married-couple family	941	55.6%
Cohabiting couple	157	9.3%
Male householder, no spouse	308	18.2%
Female householder, no spouse	286	16.9%
Households with children under 18	596	35.2%
Households with seniors (65+)	445	26.3%
Average household size	2.52

Marital status

Status	Male	Female
Never married	26.0%	29.6%
Married	55.4%	55.0%
Separated	0.4%	0.0%
Widowed	3.8%	7.8%
Divorced	14.3%	7.5%

Education

Less than 9th grade 2.8%

Some HS, no diploma 5.2%

HS graduate 41.3%

Some college, no degree 21.7%

Associate's degree 11.4%

Bachelor's degree 11.0%

Graduate / professional 6.6%

Metric	%
HS diploma or higher	92.0%
Bachelor's or higher	17.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	38	3.9%
Kindergarten	27	2.8%
Elementary school	438	45.2%
High school	261	26.9%
College / grad school	205	21.2%

Employment

Industry of employment

Manufacturing 31.9%

Education & healthcare 14.0%

Retail trade 9.4%

Agriculture & mining 7.9%

Construction 7.4%

Transportation & utilities 6.4%

Arts, food & hospitality 5.8%

Professional & management 5.6%

Other services 5.0%

Finance & real estate 3.0%

Wholesale trade 1.4%

Public administration 1.2%

Information 0.9%

Occupation

Category	%
Management, business & arts	21.0%
Service	10.3%
Sales & office	18.9%
Natural resources & construction	16.0%
Production & transportation	33.8%

Employment type

Type	%
Private sector	91.1%
Government	6.0%
Self-employed	2.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	89.5%
Carpool	4.6%
Public transit	0.0%
Walk	0.0%
Work from home	4.2%
Other means	1.7%
Avg commute (minutes)	25.2

Poverty

All people 10.0%

Under 18 years 12.8%

18 and over 9.2%

Married-couple families 4.9%

Female-led households 29.3%

Income support

Source	% of households
Social Security	31.7%
Retirement income	21.7%
Supplemental Security	5.5%
Cash public assistance	1.9%
Food stamps / SNAP	8.9%

Health indicators

Condition	%
Obesity	38.6%
High blood pressure	34.4%
High cholesterol	32.3%
Diabetes	10.1%
Heart disease	6.2%
Stroke	2.9%
Asthma	10.1%
Arthritis	24.9%
Kidney disease	2.7%
Pulmonary disease	7.9%
Cancer	6.0%

Behavior / access	%
Smoking	22.6%
Binge drinking	17.1%
No physical activity	25.4%
Less than 7 hrs sleep	32.3%
Depression	24.0%
Fair or poor health	15.3%
Poor mental health	16.2%
Poor physical health	11.2%
No health insurance	13.6%
Visited doctor (checkup)	72.4%
Visited dentist	62.8%
Cholesterol screening	87.6%
Teeth loss	16.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	183	5.5%

Disability	%
Any disability	12.5%
Under 18	2.0%
18–64 years	13.3%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	71.4%
Public insurance	31.3%
No insurance	5.4%
Uninsured under 19	1.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,990	93.2%
Spanish	54	1.4%
Other Indo-European	7	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	12	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,215	98.5%
Born in same state	4,208	98.3%
Born in different state	3,083	72.0%
Foreign born	7	0.2%
Naturalized citizen	66	1.5%
Not a US citizen	13	19.7%

Ancestry

Ancestry	Count	%
French	439	10.3%
Italian	380	8.9%
Arab	283	6.6%

Ancestry	Count	%
English	105	2.5%
Dutch	26	0.6%
Polish	4	0.1%

Technology access

Metric	% of households
Computer access	39.5%
Internet access	94.2%

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

Frequently asked questions about ZIP code 46793

What city is ZIP code 46793 in?

ZIP code 46793 is primarily assigned to Waterloo, Indiana.

What county is ZIP code 46793 in?

ZIP code 46793 falls within Dekalb County, Indiana.

Is ZIP code 46793 mostly owner-occupied?

83% of occupied units in ZIP code 46793 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 46793?

The median home value in ZIP code 46793 is $165,400.

What is the population of ZIP code 46793?

ZIP code 46793 has an estimated population of 4,281 residents, with a density of 81 people per square mile.

What is the median household income in ZIP code 46793?

The median household income in ZIP code 46793 is $74,177, below the national median of ~$75,000.

What timezone is ZIP code 46793 in?

ZIP code 46793 observes the EST timezone.