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 High-density area
- $59,688
- Median income Below-median income area
- $166,400
- Median home value Below-median home value
- 18.9%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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
- 33rd 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 average Indiana ZIP), while per-capita income is $31,403. The poverty rate is 14.4%, with unemployment at 6.5%; those measures add context to the income figure. Median home value is $166,400 (14% below the average Indiana ZIP) and median rent is $1,274; 67.5% of occupied 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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Lake County, so 46323 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 46323
Top 5 sectors by establishment count in Hammond, IN
Which industries have the most business establishments in ZIP 46323.
- Retail trade
Retail trade
44 establishments
- Accommodation and food services
Accommodation and food services
42 establishments
- Other services (except public administration)
Other services (except public administration)
32 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
30 establishments
- Transportation and warehousing
Transportation and warehousing
28 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 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
Who lives in ZIP 46323?
35.4
Median Age
48.1%
Male
51.9%
Female
8.5%
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?
$59,688
Median Household Income
-19% vs state ZIP avg
$31,403
Per Capita Income
14.4%
Poverty Rate
6.5%
Unemployment Rate
23.6 min
Mean Commute Time
How ZIP 46323 ranks among Indiana ZIPs
Hammond, 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)
$59,688 24th percentile higher than 24% 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
8,978housing units
8,978
Total Housing Units
8,374
Occupied Units
604
Vacant Units
2.69
Avg Household Size
Occupancy Type
$166,400
Median Home Value
-14% vs state ZIP avg
$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.
- 46312
East Chicago (46312)
29,698 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
- 46319
Griffith (46319)
18,404 residents
- 46404
Gary (46404)
17,326 residents
- 46320
Hammond (46320)
15,508 residents
What this shows Among its immediate neighbors, ZIP 46323 ranks #6 by population - useful context the national average alone can't give.
ZIP 46323 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46321
Munster (46321)
$110,187 median income
- 46375
Schererville (46375)
$93,160 median income
- 46322
Highland (46322)
$78,062 median income
- 46319
Griffith (46319)
$74,662 median income
- 46324
Hammond (46324)
$63,052 median income
- 46323
Hammond (46323)
$59,688 median income
- 46327
Hammond (46327)
$47,288 median income
- 46404 $42,256
Gary (46404)
$42,256 median income
- 46312 $42,125
East Chicago (46312)
$42,125 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46323, 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 (22,743 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 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.
Related
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What to do with ZIP 46323's numbers, next.
- See how ZIP 46323 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Hammond, IN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.