ZIP Code 46040 — Fortville town, IN Demographics & Data

ZIP code 46040 covers Fortville, IN in Hancock County with a population of about 17,891.

At a glance, the area shows median age of 36.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 317, 463; U.S. House district IN-6; the INDIANAPOLIS media market.

Median household income in ZIP 46040 is about $144,834 — about 93% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.4%; unemployment rate near 3.2%; 52.7% of adults with a bachelor’s degree or higher (about 19.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 20.6% of workers reporting work-from-home (about 5.4 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $433,800 — about 25% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $994 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 86.8% (about 21.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46040 in Fortville, IN, a household would need roughly $119,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,787. That sits below the local median household income ($144,834), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Fortville town, IN as Relatively Low (composite score 44.0), which is near the middle of the national distribution. The strongest component scores on US5 are flood (57.1) and hurricane (14.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Fortville town, IN show little to no average snow and around 47.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 822 for ZIP 46040 (Fortville town, IN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.