PlainZIP

Hammond, IN · standard

ZIP Code 46323

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

22,743
1,418/sq mi
$59,688
Median income
$166,400
Median home value
18.9%
Bachelor's or higher

The verdict

Hammond pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.

28th pct
household income, US ZIPs
33th pct
home value, US ZIPs
1,418
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46323 against every reporting US ZIP.

ZIP code 46323 is a densely settled ZIP (a standard USPS delivery area) in Hammond, Lake County, Indiana, with 22,743 residents across 16.0 square miles, a density of 1,418 people per square mile, in the Chicago time zone.

ZIP 46323 reports a modest median household income of $59,688 (19% below the Indiana average), while per-capita income is $31,403. Local economic indicators show a 14.4% poverty rate alongside 6.5% unemployment. Housing costs here run $166,400 for a typical home value (14% below the state average), with rent averaging $1,274 a month; 67.5% of homes are owner-occupied.

Educational attainment sits below the national norm: 18.9% of adults hold a bachelor's degree or higher, the median age is 35.4, and the average commute is 24 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 46323, plus 6 more within Lake County, give a clearer read than the 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 46323

Top 5 sectors by establishment count in Hammond, IN

Which industries have the most business establishments in ZIP 46323.

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 46323, 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

22,743

Population

16.0

Area (sq mi)

1,418

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 46323?

35.4

Median Age

48.1%

Male

51.9%

Female

8.5%

Foreign-Born

White 41.3%
African American 20.2%
Asian 2.5%
American Indian or Alaska Native 2.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 15.8%
Hispanic or Latino 36.8%

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?

$59,688

Median Household Income

-19% vs state

$31,403

Per Capita Income

14.4%

Poverty Rate

6.5%

Unemployment Rate

23.6 min

Mean Commute Time

How ZIP 46323 ranks nationally

Hammond, IN household income vs. every US ZIP code

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

$59,688 28th percentile higher than 28% 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%). This entry sits in this band. $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 55.3%
Bachelor's Degree or Higher 18.9%

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

What does housing look like?

8,978

Total Housing Units

8,374

Occupied Units

604

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 67.5%
Renter 32.5%

$166,400

Median Home Value

-14% vs state

$1,274

Median Rent

1960

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

-0.8%

YoY Change (2024)

201

HPI Index (2000 = 100)

+101%

Total Change Since 2000

Home values in ZIP 46323 have decreased 0.8% over the past year (2024). Since 2000, this ZIP has seen +101% cumulative appreciation.

Year Annual Change HPI Index
2020 +12.2% 150
2021 +10.7% 166
2022 +14.3% 189
2023 +6.8% 202
2024 -0.8% 201

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 301 business establishments in ZIP 46323, employing approximately 4,329 people with a combined annual payroll of $273,651,000.

301

Businesses

4,329

Employees

$273.7M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 44 14.6%
Accommodation and food services 42 13.9%
Other services (except public administration) 32 10.6%
Professional, scientific, and technical services 30 10.0%
Transportation and warehousing 28 9.3%
Construction 27 9.0%
Health care and social assistance 21 7.0%
Wholesale trade 20 6.6%
Finance and insurance 13 4.3%
Manufacturing 11 3.6%
Real estate and rental and leasing 9 3.0%
Administrative and support and waste management and remediation services 9 3.0%
Information 8 2.7%
Arts, entertainment, and recreation 3 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 46323 vs 46322 →

ZIP 46323 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 46323 ranks #6 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 46323 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 46323 ranks #6 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
46322 Highland, IN 23,727 2.9 mi
46324 Hammond, IN 23,165 2.5 mi
46312 East Chicago, IN 29,698 4.0 mi
46406 Gary, IN 9,900 2.5 mi
46404 Gary, IN 17,326 4.1 mi
46321 Munster, IN 23,603 4.0 mi
46320 Hammond, IN 15,508 4.0 mi
46319 Griffith, IN 18,404 4.7 mi
46375 Schererville, IN 23,820 6.7 mi
46327 Hammond, IN 12,153 4.4 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 46323 in? ▼
ZIP code 46323 (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 46323? ▼
ZIP code 46323 in Hammond, IN has a population of 22,743 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46323? ▼
The median household income in ZIP 46323 is $59,688, which is 22% below the national average of $76,288.
What is the average home value in ZIP 46323? ▼
The median home value in ZIP 46323 is $166,400, which is 40% below the national average of $278,155.
What is the demographic makeup of ZIP 46323? ▼
The largest racial group in ZIP 46323 is White at 41.3%. Hispanic or Latino residents make up 36.8% of the population.
How many businesses are in ZIP code 46323? ▼
ZIP code 46323 has 301 business establishments employing approximately 4,329 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46323? ▼
The top industries by establishment count in ZIP 46323 are: Retail trade (44), Accommodation and food services (42), Other services (except public administration) (32). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 46323? ▼
According to the FHFA House Price Index, home values in ZIP 46323 decreased by 0.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 101%. 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 46323? ▼
In ZIP code 46323, 55.3% of residents aged 25+ have a high school diploma or higher, and 18.9% 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 46323? ▼
The mean commute time for workers in ZIP code 46323 is 23.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46323? ▼
In ZIP code 46323, approximately 67.5% of occupied housing units are owner-occupied and 32.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46323? ▼
The poverty rate in ZIP code 46323 is 14.4% 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.