46788 ZIP Code Profile, Map, Data & Demographics

ZIP Code Type: STANDARD
County: Allen County
Centroid: Latitude 41.253, Longitude -84.943
Time Zone: Eastern Time Zone (UTC -5 hours)
Observes DST: Yes

ZIP Code 46788 has segments in 2 Counties (Allen, DeKalb).

Businesses Addresses: 32
PO Box Addresses: 74
Residential Addresses: 1,107

Multi-Family Addresses: 0
Single Family Addresses: 1,107

The ZIP Code maps and database are updated 4 times per year.
Database updated: June 1, 2025, Maps updated: May 1, 2024.

Spencerville, IN 46788 Data & Demographics (As of July 1, 2025)

POPULATION
Total Population	3,785 (100%)
Population in Households	3,785 (100.0%)
Population in Families	3,465 (91.5%)
Population in Group Quarters¹	0
Population Density	102
Diversity Index²	13


INCOME
Median Household Income	$100,000
Average Household Income	$136,254
% of Income for Mortgage⁴	22%
Per Capita Income	$44,926
Wealth Index⁵	130
Socioeconomic Status Index⁶	Moderate (56.5)

HOUSING
Total HU (Housing Units)	1,295 (100%)
Owner Occupied HU	1,160 (89.6%)
Renter Occupied HU	88 ( 6.8%)
Vacant Housing Units	47 ( 3.6%)
Median Home Value	$357,944
Average Home Value	$397,050
Housing Affordability Index³	106

HOUSEHOLDS
Total Households	1,248
Average Household Size	3.03
Family Households	1,021
Average Family Size	3.00

NOTES

Group Quarters - a place where people live or stay in a group living arrangement. Includes college residents halls, nursing facilities, military barracks, and correctional facilities.
The Diversity Index is a scale of 0 to 100 that represents the likelihood that two persons, chosen at random from the same area, belong to different races or ethnic groups. If an area's entire population belongs to one race AND one ethnic group, then the area has zero diversity. An area's diversity index increases to 100 when the population is evenly divided into two or more race/ethnic groups.
The Housing Affordability Index base is 100 and represents a balance point where a resident with a median household income can normally qualify to purchase a median price home. Values above 100 indicate increased affordability, while values below 100 indicate decreased affordability.
The % of Income for Mortgage quantifies the percentage of median household income dedicated to mortgage payments on a home priced at the median value (assuming a 30-year mortgage and a 20% down payment).
The Wealth Index is based on a number of indicators of affluence including average household income and average net worth, but it also includes the value of material possessions and resources. It represents the wealth of the area relative to the national level. Values above or below 100 represent above-average wealth or below-average wealth compared to the national level.
The Socioeconomic Index ranges from zero (lowest relative status) to 100 (highest relative status). This measure quantifies disparities in social position of an area's inhabitants and is built from a broad range of demographic, housing, and socioeconomic inputs. More information on this measure can be found in Esri's SEI tutorial.

Spencerville, IN 46788 - Peer Comparisons by Rank and Percentile

The table below compares 46788 to the other 763 ZIP Codes in Indiana by rank and percentile using July 1, 2025 data. The location Ranked # 1 has the highest value. A location that ranks higher than 75% of its peers would be in the 75th percentile of the peer group.

GROWTH RATE / YEAR	2020-2025	2025-2030
Population	0.52%	0.17%
Households	0.78%	0.33%
Families		0.52%
Median Household Income		4.34%
Per Capita Income		2.81%
Owner Occupied HU		0.44%

Variable Description	Rank	Percentile
Total Population	# 359	53rd
Population Density	# 368	52nd
Median Household Income	# 70	91st
Housing Affordability Index	# 196	26th
Per Capita Income	# 108	86th
Diversity Index	# 610	20th

46788 ZIP Code Profile, Map, Data & Demographics

ZIP Code 46788: Basic Data & USPS Preferred City Name

Spencerville, IN 46788 Data & Demographics (As of July 1, 2025)

POPULATION

INCOME

HOUSING

HOUSEHOLDS

GROWTH RATE / YEAR

Spencerville, IN 46788 - Peer Comparisons by Rank and Percentile

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