46785 Zip Code Detailed Profile




City: St. Joe, IN (1.12%)
County: DeKalb County, IN
Estimated zip code population in 2013: 1,992
Zip code population in 2010: 1,542
Zip code population in 2000: 1,397

Houses and condos: 674
Renter-occupied apartments: 109
% of renters here:

17%
State:

31%
Mar. 2013 cost of living index in zip code 46785: 86.9 (less than average, U.S. average is 100)

Land area: 24.4 sq. mi.
Water area: 0.0 sq. mi.
Population density: 82 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 46785
Zip code 46785 (St. Joe, Indiana) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

0.6% ($715)
Indiana:

0.9% ($1,057)
Median real estate property taxes paid for housing units with mortgages in 2013: $726 (0.6%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $685 (0.7%)

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Males: 1,107  (55.6%)
Females: 885  (44.4%)

For population 25 years and over in 46785:

For population 15 years and over in 46785:

Zip code 46785 compared to state average:

  • Unemployed percentage above state average.
  • Black race population percentage significantly below state average.
  • Hispanic race population percentage significantly below state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage below state average.
  • Number of rooms per house above state average.
  • House age above state average.
  • Number of college students below state average.
  • Percentage of population with a bachelor's degree or higher significantly below state average.
  • Races in zip code 46785

  • Zip code 46785 races chart
    • 1,486White population
    • 6Black population
    • 1American Indian population
    • 4Asian population
    • 0Native Hawaiian and Other Pacific Islander population
    • 0Some other race population
    • 16Two or more races population
    • 29Hispanic or Latino population

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Data:
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Based on 2000-2011 data
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123
Hide US histogram

100% rural population.

Estimated median house/condo value in 2013: $119,600
46785:

$119,600
Indiana:

$122,200



According to our research of Indiana and other state lists there were 2 registered sex offenders living in 46785 zip code as of August 02, 2015.
The ratio of number of residents in zip code 46785 to the number of sex offenders is 751 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is smaller than the state average.


Median resident age:
This zip code:

33.9 years
Indiana median age:

37.3 years
Average household size:
This zip code:

3.0 people
Indiana:

2.5 people

Averages for the 2012 tax year for zip code 46785, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $48,534 (Individual Income Tax Returns)
Here:

$48,534
State:

$52,932

Salary/wage: $44,587 (reported on 84.4% of returns)
Here:

$44,587
State:

$45,173
(% of AGI for various income ranges: 67.8% for AGIs below $25k, 84.0% for AGIs $25k-50k, 80.4% for AGIs $50k-75k, 87.5% for AGIs $75k-100k, 68.9% for AGIs $100k-200k)

Taxable interest for individuals: $626 (reported on 35.9% of returns)
This zip code:

$626
Indiana:

$1,311
(% of AGI for various income ranges: 1.8% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.3% for AGIs $100k-200k)

Ordinary dividends: $1,546 (reported on 20.3% of returns)
Here:

$1,546
State:

$4,690
(% of AGI for various income ranges: 1.2% for AGIs below $25k, 1.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.7% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$5,388 (reported on 12.5% of returns)
Here:

+$5,388
State:

+$10,406
(% of AGI for various income ranges: 0.2% for AGIs $25k-50k, 4.5% for AGIs $100k-200k)

Profit/loss from business: +$4,860 (reported on 15.6% of returns)
Here:

+$4,860
State:

+$11,105
(% of AGI for various income ranges: 5.3% for AGIs below $25k, 4.3% for AGIs $25k-50k, 1.1% for AGIs $75k-100k)

Taxable individual retirement arrangement distribution: $11,357 (reported on 10.9% of returns)
46785:

$11,357
Indiana:

$13,841

Total itemized deductions: $16,747 (20% of AGI, reported on 23.4% of returns)
Here:

$16,747
State:

$20,913

Here:

20.0% of AGI
State:

18.2% of AGI
(% of AGI for various income ranges: 9.5% for AGIs $25k-50k, 5.7% for AGIs $50k-75k, 8.6% for AGIs $75k-100k, 11.1% for AGIs $100k-200k)

Charity contributions: $4,608 (reported on 18.8% of returns)
Here:

$4,608
State:

$4,697
(% of AGI for various income ranges: 3.7% for AGIs below $25k, 1.6% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 2.7% for AGIs $100k-200k)

Taxes paid: $5,260 (reported on 23.4% of returns)
46785:

$5,260
State:

$7,456
(% of AGI for various income ranges: 1.7% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 2.8% for AGIs $75k-100k, 4.4% for AGIs $100k-200k)

Earned income credit: $2,291 (reported on 17.2% of returns)
Here:

$2,291
State:

$2,265
(% of AGI for various income ranges: 5.2% for AGIs below $25k, 1.5% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 46785, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $42,992 (Individual Income Tax Returns)
Here:

$42,992
State:

$44,790

Salary/wage: $42,182 (reported on 86.4% of returns)
Here:

$42,182
State:

$39,615
(% of AGI for various income ranges: 118.4% for AGIs below $10k, 67.9% for AGIs $10k-25k, 91.9% for AGIs $25k-50k, 92.4% for AGIs $50k-75k, 93.8% for AGIs $75k-100k, 64.0% for AGIs over 100k)

Taxable interest for individuals: $1,413 (reported on 46.9% of returns)
This zip code:

$1,413
Indiana:

$1,535
(% of AGI for various income ranges: 7.3% for AGIs below $10k, 3.4% for AGIs $10k-25k, 2.2% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 2.2% for AGIs over 100k)

Taxable dividends: $705 (reported on 23.6% of returns)
Here:

$705
State:

$2,998
(% of AGI for various income ranges: 1.0% for AGIs below $10k, 1.1% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 0.6% for AGIs over 100k)

Net capital gain/loss: +$7,316 (reported on 17.7% of returns)
Here:

+$7,316
State:

+$8,619
(% of AGI for various income ranges: -3.7% for AGIs below $10k, 0.3% for AGIs $10k-25k, 1.5% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 11.7% for AGIs over 100k)

Profit/loss from business: +$2,770 (reported on 15.1% of returns)
Here:

+$2,770
State:

+$10,071
(% of AGI for various income ranges: 6.5% for AGIs below $10k, 2.8% for AGIs $10k-25k, 1.7% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.8% for AGIs $75k-100k)

IRA payment deduction: $3,091 (reported on 1.7% of returns)
46785:

$3,091
Indiana:

$2,840

Total itemized deductions: $15,081 (20% of AGI, reported on 31.8% of returns)
Here:

$15,081
State:

$17,065

Here:

20.0% of AGI
State:

19.5% of AGI
(% of AGI for various income ranges: 10.5% for AGIs $10k-25k, 9.0% for AGIs $25k-50k, 11.8% for AGIs $50k-75k, 14.1% for AGIs $75k-100k, 11.0% for AGIs over 100k)

Charity contributions deductions: $2,846 (4% of AGI, reported on 25.6% of returns)
Here:

$2,846
State:

$3,550

Here:

3.5% of AGI
State:

3.8% of AGI
(% of AGI for various income ranges: 1.1% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 2.2% for AGIs over 100k)

Total tax: $5,773 (reported on 71.9% of returns)
46785:

$5,773
State:

$6,914
(% of AGI for various income ranges: 2.0% for AGIs below $10k, 3.5% for AGIs $10k-25k, 6.3% for AGIs $25k-50k, 8.0% for AGIs $50k-75k, 9.7% for AGIs $75k-100k, 17.5% for AGIs over 100k)

Earned income credit: $1,775 (reported on 12.1% of returns)
Here:

$1,775
State:

$1,685

Percentage of individuals using paid preparers for their 2004 taxes: 66.1%
Here:

66%
State:

59%
(% for various income ranges: 54.5% for AGIs below $10k, 66.2% for AGIs $10k-25k, 66.3% for AGIs $25k-50k, 68.5% for AGIs $50k-75k, 80.0% for AGIs $75k-100k, 73.7% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$58,448
Indiana:

$47,529
St. Joe, IN (46785) map Nearest zip codes: 46788, 46721, 46743, 46741, 43526, 46706.
Percentage of family households:
This zip code:

70.0%
Indiana:

51.2%
Percentage of households with unmarried partners:
This zip code:

1.8%
Indiana:

6.0%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 88
Household did not receive Food Stamps/SNAP in the past 12 months: 568


Women who had a birth in the past 12 months: 4 (2 now married, 2 unmarried)
Women who did not have a birth in the past 12 months: 412 (285 now married, 127 unmarried)


Housing units in zip code 46785 with a mortgage: 412 (18 second mortgage, 58 home equity loan)
Houses without a mortgage: 135

Median monthly owner costs for units with a mortgage: $1,086
Median monthly owner costs for units without a mortgage: S301

Residents with income below the poverty level in 2013:
This zip code:

7.1%
Whole state:

15.9%
Residents with income below 50% of the poverty level in 2013:
This zip code:

4.2%
Whole state:

8.7%
Median number of rooms in houses and condos:
Here:

7.1
State:

6.4
Median number of rooms in apartments:
Here:

7.0
State:

4.4
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable location: Concord Township Fire Department (A). Display/hide its location on the map

    Church in zip code 46785: Coburn Corners Church (A). Display/hide its location on the map

    Cemeteries: Alton Cemetery (1), Bear Creek Cemetery (2), Jenkins Cemetery (3), Riverside Cemetery (4), Evergreen Cemetery (5). Display/hide their locations on the map

    Creek: Bear Creek (A). Display/hide its location on the map

Year house built

  • 02010 or later
  • 862000 to 2009
  • 571990 to 1999
  • 421980 to 1989
  • 761970 to 1979
  • 251960 to 1969
  • 591950 to 1959
  • 111940 to 1949
  • 3181939 or earlier

Zip code 46785 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in St. Joe, IN (46785)

  • 0no bedroom
  • 41 bedroom
  • 492 bedrooms
  • 3803 bedrooms
  • 914 bedrooms
  • 235+ bedrooms

Bedrooms in renter-occupied apartments in St. Joe, IN (46785)

  • 0no bedroom
  • 01 bedroom
  • 182 bedrooms
  • 863 bedrooms
  • 54 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in St. Joe, IN (46785) in owner-occupied houses/condos

  • 5no vehicle
  • 981 vehicle
  • 2562 vehicles
  • 1263 vehicles
  • 244 vehicles
  • 385+ vehicles

Cars and other vehicles available in St. Joe, IN (46785) in renter-occupied apartments

  • 0no vehicle
  • 81 vehicle
  • 962 vehicles
  • 53 vehicles
  • 04 vehicles
  • 05+ vehicles

Median gross rent in 2013: $656.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $119,600
46785:

$119,600
Indiana:

$122,200
Lower value quartile - upper value quartile: $83,800 - $183,300

Mean price in 2013:

Detached houses: $73,465
Here:

$73,465
State:

$158,623

Mobile homes: $31,331
Here:

$31,331
State:

$33,934

Owners and renters by unit type in %

Housing units in structures:


Unemployment: 13.6%

Percentage of zip code residents living and working in this county: 61.7%

Household type by relationship:

Households: 1,992

Size of family households: 238 2-persons, 115 3-persons, 132 4-persons, 73 5-persons, 5 6-persons, 6 7-or-more-persons

Size of nonfamily households: 84 1-person, 3 3-persons

432 married couples with children.
194 single-parent households (69 men, 125 women).

96.3% of residents of 46785 zip code speak English at home.
3.6% of residents speak Spanish at home (100% very well).
0.1% of residents speak other Indo-European language at home (100% very well).

Foreign born population: 2 (0.1%)
(0.0% of them are naturalized citizens)
:

0.1%
Whole state:

4.8%

Most common places of birth for the foreign-born residents

  • 100%Mexico

Most common first ancestries reported in 46785 (%)

  • 26%German
  • 13%American
  • 9%Irish
  • 8%Italian
  • 7%English
  • 7%Other groups
  • 2%French (except Basque)

Year of entry for the foreign-born population

  • 02010 or later
  • 92000 to 2009
  • 151990 to 1999
  • 0Before 1990

Zip code 46785 topographic map

Public primary/middle school in zip code 46785 not listed on the city page:

  • RIVERDALE ELEMENTARY SCHOOL (Students: 298; Location: 6127 SR 1, SAINT JOE, IN; Grades: KG - 06)

Facilities with environmental interests located in this zip code:


Zip code 46785 marital status for males
Zip code 46785 marital status for females

Housing units lacking complete plumbing facilities: 0.7%

Most commonly used house heating fuel

  • 37%Bottled, tank, or LP gas
  • 33%Utility gas
  • 17%Electricity
  • 11%Wood
  • 2%Fuel oil, kerosene, etc.
  • 1%No fuel used

Population in 1990: 1,161. Population change in the 1990s: +236 (+20.3%).

Place of birth for U.S.-born residents:


72% of the 46785 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 67% lived in this county.
   Out of people who lived in different counties, 50% lived in Indiana.

80% of the 46785 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 62% moved from this county.
   Out of people who lived in different houses, 32% moved from different county within same state.
   Out of people who lived in different houses, 6% moved from different state.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 38
Here:

11.9%
Indiana:

11.7%
Students in private schools in grades 9 to 12 (high school):
Here:

0.0%
Indiana:

8.9%
Students in private undergraduate colleges:
Here:

0.0%
Indiana:

21.7%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 65,729Business and financial operations occupations
  • 51,417Transportation occupations
  • 45,658Sales and related occupations
  • 38,750Building and grounds cleaning and maintenance occupations
  • 36,111Management occupations
  • 34,211Production occupations

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

Home Mortgage Disclosure Act Aggregated Statistics For Year 2003
(Based on 2 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED4$87,88036$122,294153$111,9367$35,3192$73,550
APPLICATIONS APPROVED, NOT ACCEPTED1$93,2302$70,09518$106,1612$25,2051$20,720
APPLICATIONS DENIED1$113,95012$82,00952$115,1848$24,0851$69,750
APPLICATIONS WITHDRAWN0$01$90,47039$113,2231$37,9801$89,090
FILES CLOSED FOR INCOMPLETENESS0$01$51,8008$132,6810$00$0

Detailed HMDA statistics for the following Tracts: 0208.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2003
(Based on 2 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED11$113,38412$132,595
APPLICATIONS APPROVED, NOT ACCEPTED1$113,9507$121,644
APPLICATIONS DENIED0$00$0
APPLICATIONS WITHDRAWN1$108,4201$45,580
FILES CLOSED FOR INCOMPLETENESS0$00$0

Detailed PMIC statistics for the following Tracts: 0208.00

Most common first names in zip code 46785 among deceased individuals
NameCountLived (average)
Robert973.3 years
William783.7 years
James673.2 years
Mary682.8 years
Richard674.8 years
Donald569.6 years
Edith580.2 years
Fred571.0 years
Gladys482.2 years
Anna487.0 years
Most common last names in zip code 46785 among deceased individuals
Last nameCountLived (average)
Coburn1080.3 years
Baker675.4 years
Miller569.2 years
Sechler571.6 years
Hart482.0 years
Johnson476.3 years
Beaty473.3 years
Collins379.7 years
King334.3 years
Bevington382.0 years

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