Best Places46845, IN Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 46845, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
46845 ranks 589th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on low crime by a wide margin, and noise is the weak spot.
The best neighborhoods in 46845
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.
46845's strengths and weaknesses
Where 46845 ranks high
- Crime safetyBetter than 98% of zip codes
- Cost of living vs incomeBetter than 95% of zip codes
- Internet speedBetter than 95% of zip codes
- Healthcare accessBetter than 94% of zip codes
- Local economyBetter than 93% of zip codes
Where 46845 ranks low
- QuietBetter than only 18% of zip codes
- Low income/sales/gas taxBetter than only 24% of zip codes
- Air qualityBetter than only 30% of zip codes
- Nice weatherabout 76 pleasant days a year, better than only 38% of zip codes
- Tree shadeBetter than only 41% of zip codes
What it costs to buy a home in 46845
A household needs to earn about $87,000 a year to comfortably buy the median 46845 home, at 20% down and today's 30-year rate. That is below the area's own median income of $119,008, 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 46845's effective rate of 0.75%, 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 46845
46845's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 46845.
Who works in 46845, and how
Work in 46845 centers on health care & social and manufacturing. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 14%
- Transit, walk, or bike 3%
Life in 46845
46845 has fewer places to eat and drink per resident than most zip codes. That concentrates in some parts of 46845 and thins out in others, which the map shows.
What the weather is like in 46845, month by month
46845 sees roughly 76 pleasant days a year. July highs average about 84 degrees. January highs sit near 34, with lows near 22. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 34° | 28° | 22° |
| April | 59° | 48° | 39° |
| July | 84° | 73° | 64° |
| October | 64° | 53° | 45° |
Flying in and out of 46845
The nearest airport, Fort Wayne International, is about 16 miles away and is a small airport. The nearest major hub is Detroit Metro Wayne County, about 115 miles away.
The best schools in and around 46845
Schools across 46845 average an A−, better than 86% of zip codes.
Top elementary schools
- Cedarville Elementary SchoolA+ · 75% proficient
- Cedar Canyon Elementary SchoolA− · 60% proficient
- Oak View Elementary SchoolA− · 57% proficient
Top middle schools
- Leo Elementary SchoolA · 66% proficient
- Maple Creek Middle SchoolA− · 54% proficient
- Carroll Middle SchoolB+ · 47% proficient
Top high schools
- Carroll High SchoolA · 72% proficient
- East Allen UniversityB+ · 58% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 46845 school and its grade on SchoolGrade.
46845 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 46845 against the other 33,109 zip codes.
Who 46845 suits
Remote workers
Cost of living against local pay beats 95% of zip codes, internet is fast and widely advertised, and 14% already work from home.
Common questions about living in 46845
Is 46845 a good place to live?
Using BestNeighborhood's default rankings, 46845 ranks 589th of 33,110 zip codes. It scores highest on low crime, what local pay buys, and fast internet, and lowest on noise and taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 46845 expensive to live in?
The median home is worth $337,043. The overall cost of living runs about 11% below the national average. Set against a $119,008 median income, cost of living beats 95% of zip codes.
Is 46845 safe?
Yes, 46845 is safer than 98% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $125 per resident a year.
What is the weather like in 46845?
July highs average about 84 degrees, and January highs near 34 with lows near 22. That works out to about 76 pleasant days a year, more than 38% of zip codes.
Is 46845 good for families?
Schools beat 86% of zip codes, crime safety beats 98%, and childcare runs $872 a month.
Compare 46845 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 46845. Scores are absolute rather than ranked, which means a 60 in 46845 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.
46845 detail on BestNeighborhood maps:
- Walk Grade for 46845: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 46845: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 46845: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 46845: carrier by carrier coverage behind the cell score.
46845 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.