ZIP Code 46381 — undefined, IN Demographics & Data

ZIP code 46381 covers IN in Newton County with a population of about 447.

At a glance, the area shows median age of 56.3 versus a U.S. median of about 38.9.

It sits in telephone area code 219; U.S. House district IN-4; the CHICAGO media market.

IN fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 46381 is about $45,391 — about 40% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 35.8%; unemployment rate near 27.4%; 5.8% of adults with a bachelor’s degree or higher (about 28.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Education; about 27.7% of workers reporting work-from-home (about 12.5 points above the U.S. share (15.2%)); a mean commute of about 86.0 minutes (U.S. average near 26.8).

Median home value is about $150,700 — about 57% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 88.2% (about 22.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46381 in IN, a household would need roughly $41,000 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 $968. That is roughly in line with the local median household income ($45,391). 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 11.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (19.3) and hurricane (16.4). 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 39.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 21 for ZIP 46381 (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.