ZIP Code 46704 — undefined, IN Demographics & Data

ZIP code 46704 covers IN in Allen County with a population of about 69.

At a glance, the area shows median age of 51.0 versus a U.S. median of about 38.9.

It sits in telephone area code 260; U.S. House district IN-3; the FT. WAYNE media market.

On socioeconomic markers, US5 shows a poverty rate of 17.4%; unemployment rate near 0.0%; 27.1% of adults with a bachelor’s degree or higher (about 6.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Utilities, and Finance and insurance; about 55.6% of workers reporting work-from-home (about 40.4 points above the U.S. share (15.2%)); a mean commute of about 16.0 minutes (U.S. average near 26.8).

Median home value is about $77,100 — about 78% 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 46704 in IN, a household would need roughly $21,000 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 $495. 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 Relatively Moderate (composite score 90.8), which is among the highest nationally. The strongest component scores on US5 are flood (93.5) and hurricane (43.8). 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 39.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 46704 (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.