ZIP Code 46738 — Garrett city, IN Demographics & Data

ZIP code 46738 covers Garrett, IN in DeKalb County with a population of about 8,462.

At a glance, the area shows median age of 40.1 (near the U.S. median).

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

Median household income in ZIP 46738 is about $62,212 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.2%; unemployment rate near 4.0%; 17.0% of adults with a bachelor’s degree or higher (about 16.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 4.6% of workers reporting work-from-home (about 10.6 points below 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 $156,300 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $702 (about 40% below the U.S. median rent ($1,163)), and owner-occupancy near 84.0% (about 18.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46738 in Garrett, IN, a household would need roughly $43,000 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 $1,004. That sits below the local median household income ($62,212), 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 Garrett city, IN as Very Low (composite score 41.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (51.8) and hurricane (21.6). 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 Garrett city, IN show little to no average snow and around 38.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 389 for ZIP 46738 (Garrett city, 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.