PlainZIP

Cedar Lake, IN · standard

ZIP Code 46303

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

14,170
199/sq mi
$84,211
Median income
$293,500
Median home value
27.4%
Bachelor's or higher

The verdict

Cedar Lake pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 33%
household income, US ZIPs
Top 34%
home value, US ZIPs
199
people per sq mi
87%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46303 against every reporting US ZIP.

ZIP code 46303 is a mid-sized community (a standard USPS delivery area) in Cedar Lake, Lake County, Indiana, home to 14,170 residents across 71.4 square miles, a density of 199 people per square mile, in the Chicago time zone.

ZIP 46303 lands in the middle-income range, with a median household income of $84,211 (14% above the Indiana average), while per-capita income is $41,210. Local economic indicators show a 4.1% poverty rate alongside 5.2% unemployment. On housing, the median home value is $293,500 (52% above the state average) with median rent at $1,361 per month, and 86.5% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 27.4% of adults hold a bachelor's degree or higher, the median age is 40.1, and the average commute is 32 minutes. Beyond these figures, 9 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Lake County, letting you compare 46303 to its immediate surroundings rather than a national baseline 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 46303

Top 5 sectors by establishment count in Cedar Lake, IN

Which industries have the most business establishments in ZIP 46303.

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 46303, Cedar Lake, 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

14,170

Population

71.4

Area (sq mi)

199

People / sq mi

Chicago

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 46303?

40.1

Median Age

48.9%

Male

51.1%

Female

2.2%

Foreign-Born

White 89.6%
African American 0.2%
Asian 0.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.9%
Hispanic or Latino 8.0%

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?

$84,211

Median Household Income

+14% vs state

$41,210

Per Capita Income

4.1%

Poverty Rate

5.2%

Unemployment Rate

32.1 min

Mean Commute Time

How ZIP 46303 ranks nationally

Cedar Lake, IN household income vs. every US ZIP code

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

$84,211 Top 33% higher than 67% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 64.3%
Bachelor's Degree or Higher 27.4%

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

What does housing look like?

7,082

Total Housing Units

6,385

Occupied Units

697

Vacant Units

2.77

Avg Household Size

Occupancy Type

Owner 86.5%
Renter 13.5%

$293,500

Median Home Value

+52% vs state

$1,361

Median Rent

1995

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

+10.3%

YoY Change (2024)

249

HPI Index (2000 = 100)

+149%

Total Change Since 2000

Home values in ZIP 46303 have increased 10.3% over the past year (2024). Since 2000, this ZIP has seen +149% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.0% 162
2021 +10.9% 180
2022 +15.0% 207
2023 +9.3% 226
2024 +10.3% 249

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 264 business establishments in ZIP 46303, employing approximately 2,307 people with a combined annual payroll of $93,955,000.

264

Businesses

2,307

Employees

$94.0M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Construction 44 16.7%
Retail trade 38 14.4%
Accommodation and food services 36 13.6%
Other services (except public administration) 34 12.9%
Professional, scientific, and technical services 23 8.7%
Administrative and support and waste management and remediation services 17 6.4%
Transportation and warehousing 15 5.7%
Health care and social assistance 14 5.3%
Real estate and rental and leasing 11 4.2%
Finance and insurance 8 3.0%
Manufacturing 7 2.6%
Arts, entertainment, and recreation 6 2.3%
Wholesale trade 5 1.9%
Information 3 1.1%

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 46303 vs 46373 →

ZIP 46303 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 46303 ranks #8 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 46303 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 46303 ranks #8 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
46373 Saint John, IN 13,859 5.3 mi
46311 Dyer, IN 20,816 6.7 mi
46375 Schererville, IN 23,820 8.5 mi
60401 Beecher, IL 7,797 7.4 mi
46356 Lowell, IN 17,524 8.3 mi
60417 Crete, IL 15,547 7.2 mi
46307 Crown Point, IN 60,619 8.0 mi
60411 Chicago Heights, IL 58,136 11.2 mi
46410 Merrillville, IN 38,340 10.6 mi

More ZIP Codes in Lake County

46307 standard
Crown Point, IN
Pop: 60,619
46410 standard
Merrillville, IN
Pop: 38,340
46342 standard
Hobart, IN
Pop: 31,244
46312 standard
East Chicago, IN
Pop: 29,698
46375 standard
Schererville, IN
Pop: 23,820
46322 standard
Highland, IN
Pop: 23,727

Related Areas

Lake County Cedar Lake, IN Indiana

Frequently Asked Questions

What county is ZIP code 46303 in? ▼
ZIP code 46303 (Cedar Lake) is located in Lake County, Indiana. Lake County contains multiple ZIP codes, see the full list at /counties/lake-in.
What is the population of ZIP code 46303? ▼
ZIP code 46303 in Cedar Lake, IN has a population of 14,170 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46303? ▼
The median household income in ZIP 46303 is $84,211, which is 10% above the national average of $76,288.
What is the average home value in ZIP 46303? ▼
The median home value in ZIP 46303 is $293,500, which is 6% above the national average of $278,155.
What is the demographic makeup of ZIP 46303? ▼
The largest racial group in ZIP 46303 is White at 89.6%. Hispanic or Latino residents make up 8.0% of the population.
How many businesses are in ZIP code 46303? ▼
ZIP code 46303 has 264 business establishments employing approximately 2,307 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46303? ▼
The top industries by establishment count in ZIP 46303 are: Construction (44), Retail trade (38), Accommodation and food services (36). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 46303? ▼
According to the FHFA House Price Index, home values in ZIP 46303 increased by 10.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 149%. 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 46303? ▼
In ZIP code 46303, 64.3% of residents aged 25+ have a high school diploma or higher, and 27.4% 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 46303? ▼
The mean commute time for workers in ZIP code 46303 is 32.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46303? ▼
In ZIP code 46303, approximately 86.5% of occupied housing units are owner-occupied and 13.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46303? ▼
The poverty rate in ZIP code 46303 is 4.1% 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.