PlainZIP

Carmel, IN · standard

ZIP Code 46033

Hamilton County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

34,889
785/sq mi
$153,143
Median income
$487,100
Median home value
71.4%
Bachelor's or higher

The verdict

Carmel pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 4%
household income, US ZIPs
Top 14%
home value, US ZIPs
785
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46033 against every reporting US ZIP.

ZIP code 46033 is a densely settled ZIP (a standard USPS delivery area) in Carmel, Hamilton County, Indiana, with 34,889 residents across 44.4 square miles, a density of 785 people per square mile, in the Indiana/Indianapolis time zone.

ZIP 46033 skews affluent, with a median household income of $153,143 (108% above the Indiana average), while per-capita income is $70,891. The poverty rate stands at 2.0% and the unemployment rate at 2.5%. The typical home here is valued at $487,100 (152% above the state average); renters pay a median of $1,786 monthly, and 87.8% of units are owner-occupied.

This is a highly-educated ZIP: 71.4% of adults hold a bachelor's degree or higher, the median age is 41.7, and the average commute is 25 minutes. To put 46033 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Hamilton County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 46033

Top 5 sectors by establishment count in Carmel, IN

Which industries have the most business establishments in ZIP 46033.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 46033, Carmel, IN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

34,889

Population

44.4

Area (sq mi)

785

People / sq mi

Indiana/Indianapolis

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 46033?

41.7

Median Age

48.1%

Male

51.9%

Female

11.0%

Foreign-Born

White 78.6%
African American 2.6%
Asian 7.3%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.7%
Hispanic or Latino 7.7%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$153,143

Median Household Income

+108% vs state

$70,891

Per Capita Income

2.0%

Poverty Rate

2.5%

Unemployment Rate

24.6 min

Mean Commute Time

How ZIP 46033 ranks nationally

Carmel, IN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$153,143 Top 4% higher than 96% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 80.1%
Bachelor's Degree or Higher 71.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

15,032

Total Housing Units

14,512

Occupied Units

520

Vacant Units

2.81

Avg Household Size

Occupancy Type

Owner 87.8%
Renter 12.2%

$487,100

Median Home Value

+152% vs state

$1,786

Median Rent

1993

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+2.3%

YoY Change (2024)

222

HPI Index (2000 = 100)

+122%

Total Change Since 2000

Home values in ZIP 46033 have increased 2.3% over the past year (2024). Since 2000, this ZIP has seen +122% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.6% 152
2021 +12.6% 172
2022 +19.6% 205
2023 +5.9% 217
2024 +2.3% 222

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 732 business establishments in ZIP 46033, employing approximately 5,101 people with a combined annual payroll of $213,191,000.

732

Businesses

5,101

Employees

$213.2M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 179 24.4%
Real estate and rental and leasing 77 10.5%
Health care and social assistance 76 10.4%
Retail trade 60 8.2%
Construction 52 7.1%
Administrative and support and waste management and remediation services 51 7.0%
Other services (except public administration) 49 6.7%
Finance and insurance 40 5.5%
Wholesale trade 39 5.3%
Accommodation and food services 39 5.3%
Arts, entertainment, and recreation 21 2.9%
Educational services 19 2.6%
Information 14 1.9%
Transportation and warehousing 12 1.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 46033 vs 46280 →

ZIP 46033 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 46033 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 46033 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 46033 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
46280 Indianapolis, IN 6,793 3.4 mi
46038 Fishers, IN 37,723 3.7 mi
46250 Indianapolis, IN 18,546 5.2 mi
46032 Carmel, IN 42,234 4.6 mi
46240 Indianapolis, IN 18,731 5.4 mi
46062 Noblesville, IN 29,730 5.9 mi
46290 Indianapolis, IN 170 5.1 mi
46220 Indianapolis, IN 34,830 7.8 mi
46256 Indianapolis, IN 23,647 6.3 mi
46074 Westfield, IN 26,745 6.2 mi

More ZIP Codes in Hamilton County

46032 standard
Carmel, IN
Pop: 42,234
46038 standard
Fishers, IN
Pop: 37,723
46037 standard
Fishers, IN
Pop: 35,891
46060 standard
Noblesville, IN
Pop: 34,708
46062 standard
Noblesville, IN
Pop: 29,730
46074 standard
Westfield, IN
Pop: 26,745

Related Areas

Hamilton County Carmel, IN Indiana

Frequently Asked Questions

What county is ZIP code 46033 in? ▼
ZIP code 46033 (Carmel) is located in Hamilton County, Indiana. Hamilton County contains multiple ZIP codes, see the full list at /counties/hamilton-in.
What is the population of ZIP code 46033? ▼
ZIP code 46033 in Carmel, IN has a population of 34,889 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46033? ▼
The median household income in ZIP 46033 is $153,143, which is 101% above the national average of $76,288.
What is the average home value in ZIP 46033? ▼
The median home value in ZIP 46033 is $487,100, which is 75% above the national average of $278,155.
What is the demographic makeup of ZIP 46033? ▼
The largest racial group in ZIP 46033 is White at 78.6%. Hispanic or Latino residents make up 7.7% of the population.
How many businesses are in ZIP code 46033? ▼
ZIP code 46033 has 732 business establishments employing approximately 5,101 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46033? ▼
The top industries by establishment count in ZIP 46033 are: Professional, scientific, and technical services (179), Real estate and rental and leasing (77), Health care and social assistance (76). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 46033? ▼
According to the FHFA House Price Index, home values in ZIP 46033 increased by 2.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 122%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 46033? ▼
In ZIP code 46033, 80.1% of residents aged 25+ have a high school diploma or higher, and 71.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 46033? ▼
The mean commute time for workers in ZIP code 46033 is 24.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46033? ▼
In ZIP code 46033, approximately 87.8% of occupied housing units are owner-occupied and 12.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46033? ▼
The poverty rate in ZIP code 46033 is 2.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.