Fishers, IN · standard
ZIP Code 46038
Hamilton County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 37,723
- 922/sq mi High-density area
- $106,886
- Median income Above-median income area
- $333,200
- Median home value Above-median home value
- 61.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Fishers pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 15%
- household income, US ZIPs
- Top 29%
- home value, US ZIPs
- 922
- people per sq mi
- 70%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46038 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46038 (Fishers, IN) rose +3.9% from 2023 to 2024. The all-transactions index moved from 232.1 in 2023 to 241.2 in 2024 (2000 = 100).
ZIP code 46038 is a densely settled ZIP (a standard USPS delivery area) in Fishers, Hamilton County, Indiana, with 37,723 residents across 40.9 square miles, a density of 922 people per square mile, in the Indiana/Indianapolis time zone.
ZIP 46038 lands in the middle-income range, with a median household income of $106,886 (45% above the average Indiana ZIP), while per-capita income is $50,907. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.8% and unemployment is 3.5%. Housing is both higher-cost and owner-heavy: median home value is $333,200 (72% above the average Indiana ZIP), while 70.1% of occupied homes are owner-occupied and median rent is $1,575.
This is a highly-educated ZIP: 61.4% of adults hold a bachelor's degree or higher, the median age is 36.3, and the average commute is 24 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Hamilton County, so 46038 can be compared with both its immediate and county-level context.
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 46038
Top 5 sectors by establishment count in Fishers, IN
Which industries have the most business establishments in ZIP 46038.
- Professional, scientific, and technical services
Professional, scientific, and technical services
221 establishments
- Health care and social assistance
Health care and social assistance
153 establishments
- Accommodation and food services
Accommodation and food services
126 establishments
- Retail trade
Retail trade
125 establishments
- Other services (except public administration)
Other services (except public administration)
124 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 46038, Fishers, 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
37,723
Population
40.9
Area (sq mi)
922
People / sq mi
Indiana/Indianapolis
Time Zone
standard
ZIP Type
Who lives in ZIP 46038?
36.3
Median Age
49.9%
Male
50.1%
Female
11.7%
Foreign-Born
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?
$106,886
Median Household Income
+45% vs state ZIP avg
$50,907
Per Capita Income
4.8%
Poverty Rate
3.5%
Unemployment Rate
24.0 min
Mean Commute Time
How ZIP 46038 ranks nationally
Fishers, IN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$106,886 Top 15% higher than 85% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
18,058housing units
18,058
Total Housing Units
17,281
Occupied Units
777
Vacant Units
2.52
Avg Household Size
Occupancy Type
$333,200
Median Home Value
+72% vs state ZIP avg
$1,575
Median Rent
1997
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
+3.9%
YoY Change (2024)
241
HPI Index (2000 = 100)
+141%
Total Change Since 2000
Home values in ZIP 46038 have increased 3.9% over the past year (2024). Since 2000, this ZIP has seen +141% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.2% | 160 |
| 2021 | +13.6% | 182 |
| 2022 | +17.6% | 214 |
| 2023 | +8.7% | 232 |
| 2024 | +3.9% | 241 |
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 1,311 business establishments in ZIP 46038, employing approximately 18,685 people with a combined annual payroll of $1,028,155,000.
1,311
Businesses
18,685
Employees
$1.0B
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 221 | 16.9% |
| Health care and social assistance | 153 | 11.7% |
| Accommodation and food services | 126 | 9.6% |
| Retail trade | 125 | 9.5% |
| Other services (except public administration) | 124 | 9.5% |
| Finance and insurance | 99 | 7.5% |
| Real estate and rental and leasing | 99 | 7.5% |
| Construction | 98 | 7.5% |
| Administrative and support and waste management and remediation services | 74 | 5.6% |
| Wholesale trade | 60 | 4.6% |
| Arts, entertainment, and recreation | 33 | 2.5% |
| Transportation and warehousing | 28 | 2.1% |
| Educational services | 23 | 1.8% |
| Information | 22 | 1.7% |
| Manufacturing | 16 | 1.2% |
| Management of companies and enterprises | 8 | 0.6% |
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 46038 vs 46256 →
ZIP 46038 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46226
Indianapolis (46226)
43,904 residents
- 46038
Fishers (46038)
37,723 residents
- 46037
Fishers (46037)
35,891 residents
- 46033
Carmel (46033)
34,889 residents
- 46062
Noblesville (46062)
29,730 residents
- 46236
Indianapolis (46236)
27,294 residents
- 46256
Indianapolis (46256)
23,647 residents
- 46240
Indianapolis (46240)
18,731 residents
- 46250
Indianapolis (46250)
18,546 residents
What this shows Among its immediate neighbors, ZIP 46038 ranks #2 by population - useful context the national average alone can't give.
ZIP 46038 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46033
Carmel (46033)
$153,143 median income
- 46037
Fishers (46037)
$141,810 median income
- 46062
Noblesville (46062)
$120,100 median income
- 46236
Indianapolis (46236)
$115,664 median income
- 46038
Fishers (46038)
$106,886 median income
- 46256
Indianapolis (46256)
$93,847 median income
- 46280
Indianapolis (46280)
$91,152 median income
- 46240
Indianapolis (46240)
$75,156 median income
- 46250
Indianapolis (46250)
$67,328 median income
What this shows By household income, ZIP 46038 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 46256 | Indianapolis, IN | 23,647 | 4.2 mi |
| 46037 | Fishers, IN | 35,891 | 3.7 mi |
| 46033 | Carmel, IN | 34,889 | 3.7 mi |
| 46216 | Indianapolis, IN | 1,697 | 7.0 mi |
| 46250 | Indianapolis, IN | 18,546 | 5.1 mi |
| 46236 | Indianapolis, IN | 27,294 | 5.8 mi |
| 46280 | Indianapolis, IN | 6,793 | 5.8 mi |
| 46062 | Noblesville, IN | 29,730 | 6.8 mi |
| 46226 | Indianapolis, IN | 43,904 | 9.1 mi |
| 46240 | Indianapolis, IN | 18,731 | 7.0 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46038, both outside IN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (37,723 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hamilton County
Related Areas
Frequently Asked Questions
What county is ZIP code 46038 in?
ZIP code 46038 (Fishers) 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 46038?
ZIP code 46038 in Fishers, IN has a population of 37,723 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46038?
The median household income in ZIP 46038 is $106,886, which is 40% above the national average of $76,288.
What is the average home value in ZIP 46038?
The median home value in ZIP 46038 is $333,200, which is 20% above the national average of $278,155.
What is the demographic makeup of ZIP 46038?
The largest racial group in ZIP 46038 is White at 78.6%. Hispanic or Latino residents make up 5.3% of the population.
How many businesses are in ZIP code 46038?
ZIP code 46038 has 1,311 business establishments employing approximately 18,685 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46038?
The top industries by establishment count in ZIP 46038 are: Professional, scientific, and technical services (221), Health care and social assistance (153), Accommodation and food services (126). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46038?
According to the FHFA House Price Index, home values in ZIP 46038 increased by 3.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 141%. 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 46038?
In ZIP code 46038, 73.5% of residents aged 25+ have a high school diploma or higher, and 61.4% 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 46038?
The mean commute time for workers in ZIP code 46038 is 24.0 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 46038?
In ZIP code 46038, approximately 70.1% of occupied housing units are owner-occupied and 29.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46038?
The poverty rate in ZIP code 46038 is 4.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
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What to do with ZIP 46038's numbers, next.
- See how ZIP 46038 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Fishers, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.