PlainZIP

Munster, IN · standard

ZIP Code 46321

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

23,603
1,204/sq mi
$110,187
Median income
$334,300
Median home value
49.9%
Bachelor's or higher

The verdict

Munster pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.

Top 13%
household income, US ZIPs
Top 29%
home value, US ZIPs
1,204
people per sq mi
87%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46321 against every reporting US ZIP.

ZIP code 46321 is a densely settled ZIP (a standard USPS delivery area) in Munster, Lake County, Indiana, with 23,603 residents across 19.6 square miles, a density of 1,204 people per square mile, in the Chicago time zone.

ZIP 46321 skews affluent, with a median household income of $110,187 (50% above the Indiana average), while per-capita income is $57,382. Poverty here runs at 6.0%, with unemployment measured at 5.5%. Housing costs here run $334,300 for a typical home value (73% above the state average), with rent averaging $1,507 a month; 87.0% of homes are owner-occupied.

A solid share of residents have a four-year degree: 49.9% of adults hold a bachelor's degree or higher, the median age is 45, and the average commute is 28 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Lake County, letting you compare 46321 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 46321

Top 5 sectors by establishment count in Munster, IN

Which industries have the most business establishments in ZIP 46321.

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 46321, Munster, 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

23,603

Population

19.6

Area (sq mi)

1,204

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 46321?

45.0

Median Age

49.5%

Male

50.5%

Female

8.6%

Foreign-Born

White 72.2%
African American 7.4%
Asian 6.3%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.9%
Hispanic or Latino 14.5%

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?

$110,187

Median Household Income

+50% vs state

$57,382

Per Capita Income

6.0%

Poverty Rate

5.5%

Unemployment Rate

28.1 min

Mean Commute Time

How ZIP 46321 ranks nationally

Munster, IN household income vs. every US ZIP code

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

$110,187 Top 13% higher than 87% 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 72.2%
Bachelor's Degree or Higher 49.9%

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

What does housing look like?

9,814

Total Housing Units

9,471

Occupied Units

343

Vacant Units

2.47

Avg Household Size

Occupancy Type

Owner 87.0%
Renter 13.0%

$334,300

Median Home Value

+73% vs state

$1,507

Median Rent

1973

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

+1.2%

YoY Change (2024)

203

HPI Index (2000 = 100)

+103%

Total Change Since 2000

Home values in ZIP 46321 have increased 1.2% over the past year (2024). Since 2000, this ZIP has seen +103% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.5% 150
2021 +11.8% 168
2022 +10.0% 185
2023 +8.7% 201
2024 +1.2% 203

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 689 business establishments in ZIP 46321, employing approximately 15,460 people with a combined annual payroll of $972,574,000.

689

Businesses

15,460

Employees

$972.6M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 207 30.0%
Accommodation and food services 76 11.0%
Professional, scientific, and technical services 73 10.6%
Other services (except public administration) 64 9.3%
Retail trade 54 7.8%
Finance and insurance 44 6.4%
Construction 36 5.2%
Transportation and warehousing 30 4.3%
Administrative and support and waste management and remediation services 26 3.8%
Real estate and rental and leasing 20 2.9%
Wholesale trade 18 2.6%
Manufacturing 11 1.6%
Educational services 10 1.4%
Arts, entertainment, and recreation 10 1.4%
Information 6 0.9%
Management of companies and enterprises 4 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 46321 vs 46324 →

ZIP 46321 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 46321 ranks #4 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 46321 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 46321 ranks #2 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
46324 Hammond, IN 23,165 2.5 mi
46322 Highland, IN 23,727 2.3 mi
60438 Lansing, IL 28,884 2.8 mi
46311 Dyer, IN 20,816 5.6 mi
46320 Hammond, IN 15,508 6.0 mi
46323 Hammond, IN 22,743 4.0 mi
46327 Hammond, IN 12,153 6.3 mi
46319 Griffith, IN 18,404 4.5 mi
60425 Glenwood, IL 9,117 5.6 mi
46375 Schererville, IN 23,820 4.8 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 Munster, IN Indiana

Frequently Asked Questions

What county is ZIP code 46321 in? ▼
ZIP code 46321 (Munster) 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 46321? ▼
ZIP code 46321 in Munster, IN has a population of 23,603 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46321? ▼
The median household income in ZIP 46321 is $110,187, which is 44% above the national average of $76,288.
What is the average home value in ZIP 46321? ▼
The median home value in ZIP 46321 is $334,300, which is 20% above the national average of $278,155.
What is the demographic makeup of ZIP 46321? ▼
The largest racial group in ZIP 46321 is White at 72.2%. Hispanic or Latino residents make up 14.5% of the population.
How many businesses are in ZIP code 46321? ▼
ZIP code 46321 has 689 business establishments employing approximately 15,460 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46321? ▼
The top industries by establishment count in ZIP 46321 are: Health care and social assistance (207), Accommodation and food services (76), Professional, scientific, and technical services (73). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 46321? ▼
According to the FHFA House Price Index, home values in ZIP 46321 increased by 1.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 103%. 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 46321? ▼
In ZIP code 46321, 72.2% of residents aged 25+ have a high school diploma or higher, and 49.9% 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 46321? ▼
The mean commute time for workers in ZIP code 46321 is 28.1 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 46321? ▼
In ZIP code 46321, approximately 87.0% of occupied housing units are owner-occupied and 13.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46321? ▼
The poverty rate in ZIP code 46321 is 6.0% 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.