ZIP Code 46764 — Larwill town, IN Demographics & Data

ZIP code 46764 covers Larwill, IN in Whitley County with a population of about 1,697.

At a glance, the area shows median age of 36.5 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.

Median household income in ZIP 46764 is about $66,818 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.1%; unemployment rate near 8.6%; 20.2% of adults with a bachelor’s degree or higher (about 13.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Education; about 0.6% of workers reporting work-from-home (about 14.6 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 $226,500 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $809 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 94.1% (about 28.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46764 in Larwill, IN, a household would need roughly $62,000 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 $1,455. That is roughly in line with the local median household income ($66,818). 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 Larwill town, IN as Very Low (composite score 24.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (34.3) and hurricane (26.7). 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 Larwill town, IN show little to no average snow and around 39.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 78 for ZIP 46764 (Larwill 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.