ZIP Code 46320
standardSource:
Hammond · Lake County · Indiana
- Population
- 15,508
- Median income
- $37,158
- Median home value
- $135,000
- Bachelor's or higher
- 13.2%
- Land area
- 17.3 sq mi
896/sq mi
▼ 51% vs US
higher than 4% of US ZIPs
▼ 51% vs US
higher than 21% of US ZIPs
Median age 32.6
Chicago
ZIP code 46320 in Hammond, Indiana has a population of 15,508. The median household income is $37,158, which is 51% below the national average. Median home value is $135,000, 51% below the US average. 13.2% of residents hold a bachelor's degree or higher.
ZIP code 46320 is classified by USPS as a standard delivery area and covers roughly 17.3 square miles in Hammond, Lake County, Indiana. The area is home to 15,508 residents, producing a population density of 896 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 46320 against Indiana and the nation.
On the economic side, the median household income for ZIP 46320 sits at $37,158 (50% below the Indiana average), while per-capita income is $19,549. The poverty rate stands at 31.5% and the unemployment rate at 10.4%. On housing, the median home value is $135,000 (30% below the state average) with median rent at $994 per month, and 41.2% of occupied units are owner-occupied, a direct signal of whether 46320 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 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 is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 46320
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 46320.
- Retail trade
Retail trade
77 establishments
- Other services (except public administration)
Other services (except public administration)
52 establishments
- Health care and social assistance
Health care and social assistance
49 establishments
- Accommodation and food services
Accommodation and food services
35 establishments
- Transportation and warehousing 27
Transportation and warehousing
27 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 46320?
32.6
Median Age
48.7%
Male
51.3%
Female
13.0%
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?
$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
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?
6,340
Total Housing Units
5,480
Occupied Units
860
Vacant Units
2.59
Avg Household Size
Occupancy Type
$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 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
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Frequently Asked Questions
What county is ZIP code 46320 in? ▼
What is the population of ZIP code 46320? ▼
What is the median household income in ZIP 46320? ▼
What is the average home value in ZIP 46320? ▼
What is the demographic makeup of ZIP 46320? ▼
How many businesses are in ZIP code 46320? ▼
What are the main industries in ZIP code 46320? ▼
How have home values changed in ZIP code 46320? ▼
What is the education level in ZIP code 46320? ▼
What is the average commute time in ZIP 46320? ▼
What percentage of residents own vs. rent in ZIP 46320? ▼
What is the poverty rate in ZIP code 46320? ▼
ZIP Code Research Guides
Official Data Resources for Hammond, IN
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.