PlainZIP

Hammond, IN · standard

ZIP Code 46320

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

15,508
896/sq mi
$37,158
Median income
$135,000
Median home value
13.2%
Bachelor's or higher

The verdict

Hammond pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a low-density, mixed-tenure area.

4th pct
household income, US ZIPs
21th pct
home value, US ZIPs
896
people per sq mi
41%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46320 against every reporting US ZIP.

ZIP code 46320 is a mid-sized community (a standard USPS delivery area) in Hammond, Lake County, Indiana, home to 15,508 residents across 17.3 square miles, a density of 896 people per square mile, in the Chicago time zone.

ZIP 46320 sits on the lower end of the income spectrum: median household income is $37,158 (50% below the Indiana average), while per-capita income is $19,549. Local economic indicators show a 31.5% poverty rate alongside 10.4% unemployment. Housing costs here run $135,000 for a typical home value (30% below the state average), with rent averaging $994 a month; 41.2% of homes are owner-occupied.

Formal educational attainment runs low here: just 13.2% of adults hold a bachelor's degree or higher, the median age is 32.6, and the average commute is 29 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Lake County, so you can benchmark 46320 against its immediate geography rather than a 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 46320

Top 5 sectors by establishment count in Hammond, IN

Which industries have the most business establishments in ZIP 46320.

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 46320, Hammond, 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

15,508

Population

17.3

Area (sq mi)

896

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 46320?

32.6

Median Age

48.7%

Male

51.3%

Female

13.0%

Foreign-Born

White 17.1%
African American 48.6%
Asian 1.2%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 12.3%
Hispanic or Latino 36.0%

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?

$37,158

Median Household Income

-50% vs state

$19,549

Per Capita Income

31.5%

Poverty Rate

10.4%

Unemployment Rate

28.5 min

Mean Commute Time

How ZIP 46320 ranks nationally

Hammond, IN household income vs. every US ZIP code

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

$37,158 4th percentile higher than 4% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). This entry sits in this band. $40,000–$60,000: 7,092 US ZIPs (23%). Above this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 53.6%
Bachelor's Degree or Higher 13.2%

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

What does housing look like?

6,340

Total Housing Units

5,480

Occupied Units

860

Vacant Units

2.59

Avg Household Size

Occupancy Type

Owner 41.2%
Renter 58.8%

$135,000

Median Home Value

-30% vs state

$994

Median Rent

1945

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

+4.8%

YoY Change (2024)

216

HPI Index (2000 = 100)

+116%

Total Change Since 2000

Home values in ZIP 46320 have increased 4.8% over the past year (2024). Since 2000, this ZIP has seen +116% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.5% 150
2021 +6.5% 159
2022 +26.9% 202
2023 +2.2% 206
2024 +4.8% 216

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 398 business establishments in ZIP 46320, employing approximately 9,655 people with a combined annual payroll of $581,952,000.

398

Businesses

9,655

Employees

$582.0M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 77 19.4%
Other services (except public administration) 52 13.1%
Health care and social assistance 49 12.3%
Accommodation and food services 35 8.8%
Transportation and warehousing 27 6.8%
Manufacturing 26 6.5%
Construction 25 6.3%
Wholesale trade 23 5.8%
Administrative and support and waste management and remediation services 23 5.8%
Professional, scientific, and technical services 18 4.5%
Real estate and rental and leasing 14 3.5%
Finance and insurance 12 3.0%
Arts, entertainment, and recreation 6 1.5%
Information 5 1.3%
Educational services 4 1.0%

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 46320 vs 46327 →

ZIP 46320 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 46320 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 46320 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 46320 ranks #null 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
46327 Hammond, IN 12,153 0.4 mi
46394 Whiting, IN 12,258 2.8 mi
46324 Hammond, IN 23,165 3.5 mi
46312 East Chicago, IN 29,698 2.7 mi
60409 Calumet City, IL 37,186 2.8 mi
46321 Munster, IN 23,603 6.0 mi
60633 Chicago, IL 12,927 3.6 mi
46323 Hammond, IN 22,743 4.0 mi
60419 Dolton, IL 22,788 5.0 mi
60438 Lansing, IL 28,884 5.3 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 Hammond, IN Indiana

Frequently Asked Questions

What county is ZIP code 46320 in? ▼
ZIP code 46320 (Hammond) 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 46320? ▼
ZIP code 46320 in Hammond, IN has a population of 15,508 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46320? ▼
The median household income in ZIP 46320 is $37,158, which is 51% below the national average of $76,288.
What is the average home value in ZIP 46320? ▼
The median home value in ZIP 46320 is $135,000, which is 51% below the national average of $278,155.
What is the demographic makeup of ZIP 46320? ▼
The largest racial group in ZIP 46320 is African American at 48.6%. Hispanic or Latino residents make up 36.0% of the population.
How many businesses are in ZIP code 46320? ▼
ZIP code 46320 has 398 business establishments employing approximately 9,655 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46320? ▼
The top industries by establishment count in ZIP 46320 are: Retail trade (77), Other services (except public administration) (52), Health care and social assistance (49). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 46320? ▼
According to the FHFA House Price Index, home values in ZIP 46320 increased by 4.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 116%. 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 46320? ▼
In ZIP code 46320, 53.6% of residents aged 25+ have a high school diploma or higher, and 13.2% 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 46320? ▼
The mean commute time for workers in ZIP code 46320 is 28.5 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 46320? ▼
In ZIP code 46320, approximately 41.2% of occupied housing units are owner-occupied and 58.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46320? ▼
The poverty rate in ZIP code 46320 is 31.5% 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.