47421Bedford, Indiana

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 47421.

70out of 100
Area Score
Top 19% of 5,298 published profiles

How we calculate this

How this area ranks
OpportunityTop 21% of 6,210 published ZIP areas69
SchoolsTop 45% of 4,422 published ZIP areas55
GrowthTop 24% of 5,428 published ZIP areas65
Housing affordabilityTop 9% of 6,685 published ZIP areas100
Climate3660th of 6,789 published ZIP areas69
Physical resilienceTop 41% of 6,709 published ZIP areas66
Access6082nd of 6,791 published ZIP areas68
Economic stability4228th of 6,742 published ZIP areas53
The quick read

47421 ranks in the top 21% of published ZIP profiles for employment opportunity, with unemployment at 3.6% and median household income of $68,108.

In the public schools here, 38% of students met the state standard in mathematics, with 15.3 students for every teacher.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 15% of median household income and the median home is 2.8 times it.

At a glance

Population
27,599
2024 ACS 5-Year
Median household income
$68,108
Bottom 44% nationally
Density
150/sq mi
184.4 sq mi of land
Median age
46.7
2024 ACS 5-Year
City
Bedford
Indiana
Metro area
Bedford, IN
Nearest major airport
IND
60 mi · Indianapolis Intl
Median home value
$188,100
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.6% is lower than 83% of the 6,544 measured US ZIP areas.

Employment fell 0.1% over the past year, to 21,409 employed residents.

MetricValueCompared with peersSource period
Median household income ±$4,996$68,108Bottom 44%2024 ACS 5-Year
Per capita income ±$2,556$38,096Top 45%2024 ACS 5-Year
Poverty rate11.6%Top 45%2024 ACS 5-Year
Average commute28.3 minTop 47%2024 ACS 5-Year
Bachelor's degree or higher22.2%Bottom 47%2024 ACS 5-Year
Employment21,409Bottom 21%June 2026
Employment change (3 years)7.7%Top 1%June 2026
Employment change (year over year)-0.1%Top 31%June 2026
Labor force22,201Bottom 21%June 2026
Labor force participation60.0%Bottom 47%2024 ACS 5-Year
Unemployment change (year over year)-0.2%Bottom 40%June 2026
Unemployment rate3.6%Bottom 17%June 2026
Median household income, successive ACS releases
202120222023202468k60k
Each point is a separate five-year estimate, most recently $68,108 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Bedford, IN, the city containing this ZIP code.

38% of students met the state standard in mathematics and 39% in reading, across the schools here that reported results.

There are 15.3 students for every full-time teacher, fewer than in most measured places.

Public schools
9
2024-25 school year
Students per teacher
15.3
across all schools here
Math proficiency
37.7%
Top 43% in Indiana
Reading proficiency
38.6%
Top 46% in Indiana
SchoolDistrictStudentsPer teacherMathReading
Bedford-North Lawrence High SchoolNorth Lawrence Com Schools1,26817.4
Parkview Elementary SchoolNorth Lawrence Com Schools52812.342%37%
Bedford Middle SchoolNorth Lawrence Com Schools51816.227%42%
Shawswick Elementary SchoolNorth Lawrence Com Schools50715.849%41%
Lincoln Elementary SchoolNorth Lawrence Com Schools30715.330%34%
Needmore Elementary SchoolNorth Lawrence Com Schools22313.138%35%
Lawrence County Independent Schools · charterLawrence County Independent Schools20513.7
Playful PathwaysNorth Lawrence Com Schools0
North Lawrence Career CenterNorth Lawrence Com Schools0

60.7% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Indiana’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $835 takes 15% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.8 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
14.7%
Below the 30% cost-burdened threshold
Home price to income
2.8×
median home value ÷ median income
Median gross rent
$835
2024 ACS 5-Year
Median home value
$188,100
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.76Bottom 39%2024 ACS 5-Year
Homeownership rate80.0%Top 47%2024 ACS 5-Year
Housing units ±34713,038Top 11%2024 ACS 5-Year
Median gross rent ±$31$835Bottom 28%2024 ACS 5-Year
Median home value ±$22,929$188,100Bottom 41%2024 ACS 5-Year
Rent as a share of income14.7%Bottom 28%2024 ACS 5-Year
Vacancy rate5.9%Bottom 27%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
65/ 100
Top 24% of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 4.3 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
59
12 months ending July 2026
Per 1,000 residents
4.3
Top 37% nationally
Year over year
−9%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Bedford, IN, the city containing this ZIP code.

Weather & climate

6 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 84°F and January a low of 23°F.

Normal annual precipitation is 48.6 inches.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station BEDFORD 5 WNW, 6.6 miles from this location.
Precipitation
JFMAMJJASOND5.5"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation48.6"1991-2020 Normals
Average January low23°F1991-2020 Normals
Average July high84°F1991-2020 Normals
Comfortable months61991-2020 Normals
Seasonal temperature swing44°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

66 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado, earthquake and heat wave.

Overall hazard risk is lower than 74% of measured US ZIP areas.

EarthquakeHigh
TornadoElevated
Heat waveModerate
LightningModerate
Cold waveModerate

Low or minimal exposure: strong wind, winter weather, inland flooding, ice storm, drought, landslide, hail, wildfire, hurricane.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Lawrence County records 3.2 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 13.1 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 18.2 per 100,000 residents in Lawrence County.

Homicide
3.2
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
13.1
per 100,000 residents · under 10 deaths
Drug overdose
18.2
per 100,000 residents · under 10 deaths
Suicide
17.2
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Lawrence County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 47421 rather than 47421 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

6 major airports lie within 100 miles, the nearest 60 miles away.

AirportCodeDistanceLongest runway
Indianapolis IntlIND60 mi11,200 ft
Terre Haute RgnlHUF61 mi9,021 ft
Louisville Muhammad Ali IntlSDF61 mi11,887 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
70
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

47421 vs Bedford

How this ZIP area compares with Bedford as a whole. Both figures come from the same ACS release, so the comparison is like for like.

47421
Bedford
Median household income
$68,108
vs
$49,553
Per capita income
$38,096
vs
$31,811
Population density
150/sq mi
vs
1,133/sq mi
Median home value
$188,100
vs
$152,400
Median gross rent
$835
vs
$828
Homeownership rate
80.0%
vs
67.2%
Bachelor's degree or higher
22.2%
vs
17.3%
Poverty rate
11.6%
vs
16.2%
Median age
46.7
vs
41.8

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.