Census tract · Clay County
Census Tract 405, Clay County, Indiana
Census Tract 405, GEOID 18021040500, in Clay County, Indiana, partly within Perry Township, Clay County, Sugar Ridge Township, Washington Township, Clay County, Jackson Township, Clay County, Center Point, Cass Township, Clay County and Posey Township, Clay County. 3,936 residents in the ACS 2020-2024 5-year estimates (±418); the 2020 Census counted 3,528.
Residents, 2020-2024
3,936
±418 (90% margin)
2020 Census count: 3,528
Median household income
$82,434
±$22,811 (90% margin)
Clay County: $70,010
Median home value
$163,300
±$18,498 (90% margin)
Clay County: $153,000
Median gross rent
$812
±$78 (90% margin)
Clay County: $873
Where is Census Tract 405?
Census Tract 405 is one of 6 census tracts in Clay County, Indiana. It covers 139.90 square miles of land, 25 residents per square mile in 2020. Its GEOID, 18021040500, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Perry Township, Clay County | 27% |
| Sugar Ridge Township | 27% |
| Washington Township, Clay County | 25% |
| Jackson Township, Clay County | 10% |
| Center Point | 8% |
| Cass Township, Clay County | 6% |
| Posey Township, Clay County | 5% |
9 census tracts border Census Tract 405: Tract 403 ($92,685), Tract 404 ($92,219), Tract 406 ($74,496), Tract 9556 in Owen County ($50,156), Tract 9557.01 in Owen County ($69,800), Tract 9557.02 in Owen County ($72,739), Tract 9566 in Putnam County ($81,771), Tract 106.01 in Vigo County ($60,588) and Tract 107.02 in Vigo County ($77,868). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 405?
The 2020-2024 American Community Survey puts Census Tract 405's population at 3,936 (±418) in 1,491 households; the 2020 Census counted 3,528 residents and 1,586 housing units.
| Measure | Tract 405 | Clay County |
|---|---|---|
| Total population | 3,936 ±418 | 26,409 |
| Households | 1,491 ±200 | 10,549 |
| Average household size | 2.64 ±0.22 | 2.46 |
| Housing units | 1,650 ±180 | 11,645 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 405?
The median resident of Census Tract 405 is 40.5 years old; 25.2% are under 18 and 19.7% are 65 or older. The largest group is non-Hispanic white residents at 97.3%, then non-Hispanic residents of two or more races at 1.9%.
| Measure | Tract 405 | Clay County |
|---|---|---|
| Median age | 40.5 ±3.5 | 41.4 |
| Under 18 years | 25.2% ±4.2 pts | 22.9% |
| 65 years and over | 19.7% ±3.5 pts | 18.9% |
| Hispanic or Latino (any race) | 0.6% ±0.7 pts | 2.0% |
| White alone, not Hispanic | 97.3% ±1.9 pts | 94.0% |
| Black or African American alone, not Hispanic | 0.2% ±0.5 pts | 0.5% |
| Asian alone, not Hispanic | 0.0% ±0.9 pts | 0.4% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.9 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.9 pts | 0.0% |
| Two or more races, not Hispanic | 1.9% ±1.7 pts | 2.9% |
| Some other race alone, not Hispanic | 0.0% ±0.9 pts | 0.2% |
| Born outside the United States | 0.3% ±0.5 pts | 1.1% |
| Speak a language other than English at home (age 5+) | 0.0% ±0.1 pts | 1.5% |
| Civilian veterans (age 18+) | 9.2% ±2.9 pts | 6.9% |
| With a disability | 18.0% ±5.0 pts | 17.6% |
| No health insurance coverage | 4.2% ±2.8 pts | 6.0% |
| High school graduate or higher (age 25+) | 93.4% ±2.7 pts | 90.2% |
| Bachelor's degree or higher (age 25+) | 27.1% ±5.8 pts | 20.3% |
| Graduate or professional degree (age 25+) | 7.9% ±3.9 pts | 6.3% |
| Lived in the same house a year earlier | 95.2% ±2.7 pts | 90.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 405 earn?
Half of the 1,491 households in Census Tract 405 earn less than $82,434 a year (±$22,811), against $70,010 across Clay County: 3rd highest of the county's 6 tracts with a reliable estimate. 9.9% of residents live below the poverty line.
| Measure | Tract 405 | Clay County |
|---|---|---|
| Median household income | $82,434 ±$22,811 | $70,010 |
| Mean household income | $133,500 ±$50,982 | $101,024 |
| Per capita income | $51,288 ±$19,203 | $40,358 |
| People below the poverty line | 9.9% ±4.1 pts | 11.7% |
| Children under 18 below the poverty line | 1.4% ±1.6 pts | 15.1% |
| Households receiving SNAP | 3.8% ±2.5 pts | 7.8% |
| Households with a computer | 95.9% ±2.7 pts | 93.4% |
| Households with a broadband subscription | 86.0% ±5.2 pts | 87.7% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 405?
Owners occupy 86.1% of Census Tract 405's occupied homes and renters 13.9%. The median owner-occupied home is valued at $163,300 by its owner (±$18,498). The median renter pays $812 a month including utilities, and 49.6% of renters pay 35% or more of their income on rent.
| Measure | Tract 405 | Clay County |
|---|---|---|
| Median home value (owner-occupied) | $163,300 ±$18,498 | $153,000 |
| Median gross rent | $812 ±$78 | $873 |
| Renters paying 35% or more of income on rent | 49.6% ±21.8 pts | 25.7% |
| Median monthly owner costs, with a mortgage | $1,240 ±$133 | $1,207 |
| Owner-occupied homes | 86.1% ±5.1 pts | 80.9% |
| Renter-occupied homes | 13.9% ±5.1 pts | 19.1% |
| Housing units | 1,650 ±180 | 11,645 |
| Single-family detached homes | 85.6% ±5.7 pts | 81.3% |
| Mobile homes | 12.0% ±5.5 pts | 10.3% |
| Built 2020 or later | 2.8% ±2.6 pts | 1.3% |
| Built 2010 to 2019 | 4.4% ±2.7 pts | 5.0% |
| Built 1939 or earlier | 19.3% ±5.7 pts | 20.3% |
| Households with no vehicle | 1.9% ±1.9 pts | 4.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 405 get to work?
81.3% of Census Tract 405's workers drive alone and 5.6% work from home. The average trip to work takes 28.2 minutes.
| Measure | Tract 405 | Clay County |
|---|---|---|
| In the labor force (age 16+) | 57.0% ±6.5 pts | 60.4% |
| Unemployment rate | 4.4% ±4.9 pts | 3.2% |
| Drove alone to work | 81.3% ±6.5 pts | 81.2% |
| Carpooled | 9.4% ±4.2 pts | 11.8% |
| Public transportation | 0.1% ±0.2 pts | 0.1% |
| Walked | 3.1% ±2.2 pts | 1.3% |
| Worked from home | 5.6% ±3.3 pts | 4.8% |
| Mean travel time to work | 28.2 min ±2.9 | 29.1 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 405 compare with the other tracts in Clay County?
Among Clay County's tracts with a reliable estimate, Census Tract 405 ranks as shown below (1 = highest).
| Measure | In Clay County |
|---|---|
| Population | 4th of 6 |
| Residents per square mile | 6th of 6 |
| Median household income | 3rd of 6 |
| Per capita income | 1st of 6 |
| Median home value | 3rd of 6 |
| Median gross rent | 5th of 6 |
| Poverty rate | 3rd of 6 |
| Bachelor's degree or higher | 2nd of 6 |
| Median age | 4th of 6 |
| Owner-occupied share | 1st of 6 |
The tracts next to it on Clay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 403 | 1st | $92,685±$25,090 · within the margin of this tract |
| Tract 404 | 2nd | $92,219±$7,273 · within the margin of this tract |
| Tract 405 | 3rd | $82,434±$22,811 |
| Tract 406 | 4th | $74,496±$6,770 · within the margin of this tract |
| Tract 401 | 5th | $64,907±$17,409 · within the margin of this tract |
| Tract 402 | 6th | $58,780±$9,037 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 405?
3 of the 18 figures for Census Tract 405 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections