ZIP Code 46045 — undefined, IN Demographics & Data

ZIP code 46045 covers IN in Tipton County with a population of about 156.

At a glance, the area shows median age of 44.2 versus a U.S. median of about 38.9.

It sits in telephone area code 765; U.S. House district IN-5; the INDIANAPOLIS media market.

IN ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$158,438)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 46045 is about $158,438 — about 111% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 17.5% of adults with a bachelor’s degree or higher (about 16.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Professional services; a mean commute of about 44.0 minutes (U.S. average near 26.8).

Median home value is about $276,200 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46045 in IN, a household would need roughly $76,000 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 $1,774. That sits below the local median household income ($158,438), 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 IN as Very Low (composite score 8.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (18.9) and hurricane (14.2). 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 IN show little to no average snow and around 42.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 7 for ZIP 46045 (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.