ZIP Code 46778 — undefined, IN Demographics & Data

ZIP code 46778 covers IN in Wells County with a population of about 83.

At a glance, the area shows median age of 53.2 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 9.6%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Retail trade, Other services, and Education; a mean commute of about 35.0 minutes (U.S. average near 26.8).

Median home value is about $74,600 — about 79% 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 46778 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 $479. 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 22.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (37.7) and hurricane (26.5). 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 limited published climate normals on US5.

IRS migration statistics show a net inflow of about 4 for ZIP 46778 (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.