PlainZIP

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
$106,886
Median income
$333,200
Median home value
61.4%
Bachelor's or higher

The verdict

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.

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 Indiana average), while per-capita income is $50,907. Poverty here runs at 4.8%, with unemployment measured at 3.5%. Median home value sits at $333,200 (72% above the state average), median rent at $1,575 a month, and owner-occupancy at 70.1%.

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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 46038, plus 6 more within Hamilton County, give a clearer read than the national average alone.

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.

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 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

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 46038?

36.3

Median Age

49.9%

Male

50.1%

Female

11.7%

Foreign-Born

White 78.6%
African American 6.1%
Asian 6.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 6.1%
Hispanic or Latino 5.3%

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

$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

$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%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $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 73.5%
Bachelor's Degree or Higher 61.4%

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

What does housing look like?

18,058

Total Housing Units

17,281

Occupied Units

777

Vacant Units

2.52

Avg Household Size

Occupancy Type

Owner 70.1%
Renter 29.9%

$333,200

Median Home Value

+72% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 46038 ranks #2 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 46038 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 46038 ranks #5 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
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

More ZIP Codes in Hamilton County

46032 standard
Carmel, IN
Pop: 42,234
46037 standard
Fishers, IN
Pop: 35,891
46033 standard
Carmel, IN
Pop: 34,889
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 Fishers, IN Indiana

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.

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