Best Places46120, IN Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 46120, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
46120 ranks 22,205th of 33,110 U.S. zip codes on the BestNeighborhood index. The weather pulls hardest against it, while it scores best on cheap car insurance.
The best neighborhoods in 46120
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
46120's strengths and weaknesses
Where 46120 ranks high
- Cheap car insuranceBetter than 88% of zip codes
- Low property taxBetter than 80% of zip codes
- State infrastructureBetter than 79% of zip codes
- Disaster safetyBetter than 71% of zip codes
- Low vacancyBetter than 71% of zip codes
Where 46120 ranks low
- Nice weatherabout 59 pleasant days a year, better than only 7% of zip codes
- Low income/sales/gas taxBetter than only 7% of zip codes
- Air qualityBetter than only 13% of zip codes
- Short commute31.1 minutes each way, better than only 23% of zip codes
- Voter turnoutBetter than only 28% of zip codes
What it costs to buy a home in 46120
A household needs to earn about $47,000 a year to comfortably buy the median 46120 home, at 20% down and today's 30-year rate. That is below the area's own median income of $65,749, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 46120's effective rate of 0.52%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 9 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 46120
46120 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 46120.
Who works in 46120, and how
Work in 46120 centers on manufacturing and construction. Unemployment is close to the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 9%
- Transit, walk, or bike 7%
Life in 46120
The map and measures below break down dining, culture, and green space by neighborhood across 46120.
What the weather is like in 46120, month by month
46120 sees roughly 59 pleasant days a year. July highs average about 88 degrees. January highs sit near 41, with lows near 23. The comfortable stretch runs April through June and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 41° | 31° | 23° |
| April | 69° | 55° | 42° |
| July | 88° | 76° | 65° |
| October | 72° | 58° | 46° |
Flying in and out of 46120
Indianapolis International sits about 30 miles away. It is a medium hub and boarded 5.2 million passengers in 2025, with 92 nonstop destinations.
The best schools in and around 46120
Schools across 46120 average a B−, better than 51% of zip codes.
Top elementary schools
- Central Elementary SchoolB · 45% proficient
- Eminence Elementary SchoolC+ · 38% proficient
- Cloverdale Elementary SchoolC+ · 37% proficient
Top middle schools
- Cloverdale Middle SchoolB− · 40% proficient
- South Putnam Middle SchoolC+ · 38% proficient
Top high schools
- South Putnam High SchoolB− · 45% proficient
- Martinsville High SchoolB− · 43% proficient
- Cloverdale High SchoolC+ · 40% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 46120 school and its grade on SchoolGrade.
46120 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 46120 against the other 33,109 zip codes.
Common questions about living in 46120
Is 46120 a good place to live?
Using BestNeighborhood's default rankings, 46120 ranks 22,205th of 33,110 zip codes. It scores highest on cheap car insurance, low property taxes, and state infrastructure, and lowest on the weather and taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 46120 expensive to live in?
The median home is worth $187,529. The overall cost of living runs about 12% below the national average. Set against a $65,749 median income, cost of living beats 37% of zip codes.
Is 46120 safe?
Yes, 46120 is safer than 56% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $273 per resident a year.
Compare 46120 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 46120. Scores are absolute rather than ranked, which means a 60 in 46120 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
46120 detail on BestNeighborhood maps:
- Walk Grade for 46120: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 46120: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 46120: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 46120: carrier by carrier coverage behind the cell score.
46120 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.