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 High-density area
- $110,187
- Median income Above-median income area
- $334,300
- Median home value Above-median home value
- 49.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46321 (Munster, IN) rose +1.2% from 2023 to 2024. The all-transactions index moved from 201.1 in 2023 to 203.4 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $57,382. The poverty rate is 6.0%, with unemployment at 5.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $334,300 (73% above the average Indiana ZIP), while 87.0% of occupied homes are owner-occupied and median rent is $1,507.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Lake County, so 46321 can be compared with both its immediate and county-level context.
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.
- Health care and social assistance
Health care and social assistance
207 establishments
- Accommodation and food services 76
Accommodation and food services
76 establishments
- Professional, scientific, and technical services 73
Professional, scientific, and technical services
73 establishments
- Other services (except public administration) 64
Other services (except public administration)
64 establishments
- Retail trade 54
Retail trade
54 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 + 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
Who lives in ZIP 46321?
45.0
Median Age
49.5%
Male
50.5%
Female
8.6%
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?
$110,187
Median Household Income
+50% vs state ZIP avg
$57,382
Per Capita Income
6.0%
Poverty Rate
5.5%
Unemployment Rate
28.1 min
Mean Commute Time
How ZIP 46321 ranks among Indiana ZIPs
Munster, IN household income vs. every Indiana ZIP code
Median household income among 721 reporting Indiana ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$110,187 Top 6% higher than 94% of 721 Indiana ZIPs
Each bar is a $20K-wide band; taller bars hold more Indiana 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
9,814housing units
9,814
Total Housing Units
9,471
Occupied Units
343
Vacant Units
2.47
Avg Household Size
Occupancy Type
$334,300
Median Home Value
+73% vs state ZIP avg
$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.
- 60438
Lansing (60438)
28,884 residents
- 46375
Schererville (46375)
23,820 residents
- 46322
Highland (46322)
23,727 residents
- 46321
Munster (46321)
23,603 residents
- 46324
Hammond (46324)
23,165 residents
- 46323
Hammond (46323)
22,743 residents
- 46311
Dyer (46311)
20,816 residents
- 46319
Griffith (46319)
18,404 residents
- 46320
Hammond (46320)
15,508 residents
What this shows Among its immediate neighbors, ZIP 46321 ranks #4 by population - useful context the national average alone can't give.
ZIP 46321 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46311
Dyer (46311)
$116,652 median income
- 46321
Munster (46321)
$110,187 median income
- 46375
Schererville (46375)
$93,160 median income
- 46322
Highland (46322)
$78,062 median income
- 60425
Glenwood (60425)
$77,174 median income
- 60438
Lansing (60438)
$75,681 median income
- 46319
Griffith (46319)
$74,662 median income
- 46324
Hammond (46324)
$63,052 median income
- 46323
Hammond (46323)
$59,688 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46321, both outside IN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (23,603 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Lake County
Related Areas
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.
Related
Take this with you
What to do with ZIP 46321's numbers, next.
- See how ZIP 46321 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Munster, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.