PlainZIP

Hammond, IN · standard

ZIP Code 46324

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

23,165
2,032/sq mi
$63,052
Median income
$158,800
Median home value
16.5%
Bachelor's or higher

The verdict

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

35th pct
household income, US ZIPs
29th pct
home value, US ZIPs
2,032
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46324 against every reporting US ZIP.

ZIP code 46324 is a densely settled ZIP (a standard USPS delivery area) in Hammond, Lake County, Indiana, with 23,165 residents across 11.4 square miles, a density of 2,032 people per square mile, in the Chicago time zone.

ZIP 46324 reports a modest median household income of $63,052 (14% below the Indiana average), while per-capita income is $32,820. The poverty rate stands at 10.8% and the unemployment rate at 3.8%. On housing, the median home value is $158,800 (18% below the state average) with median rent at $1,172 per month, and 68.0% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 16.5% of adults hold a bachelor's degree or higher, the median age is 37.8, and the average commute is 26 minutes. To put 46324 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Lake County, for a geography-aware comparison.

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 46324

Top 5 sectors by establishment count in Hammond, IN

Which industries have the most business establishments in ZIP 46324.

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 46324, 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

23,165

Population

11.4

Area (sq mi)

2,032

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 46324?

37.8

Median Age

47.6%

Male

52.4%

Female

10.5%

Foreign-Born

White 40.5%
African American 21.0%
Asian 1.4%
American Indian or Alaska Native 1.2%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 20.8%
Hispanic or Latino 38.1%

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?

$63,052

Median Household Income

-14% vs state

$32,820

Per Capita Income

10.8%

Poverty Rate

3.8%

Unemployment Rate

25.8 min

Mean Commute Time

How ZIP 46324 ranks nationally

Hammond, IN household income vs. every US ZIP code

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

$63,052 35th percentile higher than 35% 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%). This entry sits in this band. $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 53.3%
Bachelor's Degree or Higher 16.5%

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

What does housing look like?

9,576

Total Housing Units

8,767

Occupied Units

809

Vacant Units

2.44

Avg Household Size

Occupancy Type

Owner 68.0%
Renter 32.0%

$158,800

Median Home Value

-18% vs state

$1,172

Median Rent

1952

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

+7.7%

YoY Change (2024)

219

HPI Index (2000 = 100)

+119%

Total Change Since 2000

Home values in ZIP 46324 have increased 7.7% over the past year (2024). Since 2000, this ZIP has seen +119% cumulative appreciation.

Year Annual Change HPI Index
2020 +8.0% 143
2021 +10.6% 158
2022 +22.8% 194
2023 +5.3% 204
2024 +7.7% 219

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 331 business establishments in ZIP 46324, employing approximately 6,549 people with a combined annual payroll of $309,511,000.

331

Businesses

6,549

Employees

$309.5M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 53 16.0%
Other services (except public administration) 44 13.3%
Accommodation and food services 39 11.8%
Transportation and warehousing 32 9.7%
Health care and social assistance 30 9.1%
Construction 29 8.8%
Professional, scientific, and technical services 27 8.2%
Administrative and support and waste management and remediation services 20 6.0%
Finance and insurance 17 5.1%
Utilities 8 2.4%
Real estate and rental and leasing 8 2.4%
Wholesale trade 7 2.1%
Information 7 2.1%
Manufacturing 4 1.2%
Arts, entertainment, and recreation 4 1.2%

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 46324 vs 46321 →

ZIP 46324 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 46324 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 46324 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 46324 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
46321 Munster, IN 23,603 2.5 mi
46320 Hammond, IN 15,508 3.5 mi
46323 Hammond, IN 22,743 2.5 mi
46327 Hammond, IN 12,153 3.9 mi
60438 Lansing, IL 28,884 2.8 mi
46322 Highland, IN 23,727 3.3 mi
60409 Calumet City, IL 37,186 3.3 mi
46394 Whiting, IN 12,258 6.3 mi
46312 East Chicago, IN 29,698 5.0 mi
60473 South Holland, IL 22,439 5.2 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 46324 in? ▼
ZIP code 46324 (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 46324? ▼
ZIP code 46324 in Hammond, IN has a population of 23,165 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46324? ▼
The median household income in ZIP 46324 is $63,052, which is 17% below the national average of $76,288.
What is the average home value in ZIP 46324? ▼
The median home value in ZIP 46324 is $158,800, which is 43% below the national average of $278,155.
What is the demographic makeup of ZIP 46324? ▼
The largest racial group in ZIP 46324 is White at 40.5%. Hispanic or Latino residents make up 38.1% of the population.
How many businesses are in ZIP code 46324? ▼
ZIP code 46324 has 331 business establishments employing approximately 6,549 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46324? ▼
The top industries by establishment count in ZIP 46324 are: Retail trade (53), Other services (except public administration) (44), Accommodation and food services (39). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 46324? ▼
According to the FHFA House Price Index, home values in ZIP 46324 increased by 7.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 119%. 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 46324? ▼
In ZIP code 46324, 53.3% of residents aged 25+ have a high school diploma or higher, and 16.5% 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 46324? ▼
The mean commute time for workers in ZIP code 46324 is 25.8 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 46324? ▼
In ZIP code 46324, approximately 68.0% of occupied housing units are owner-occupied and 32.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46324? ▼
The poverty rate in ZIP code 46324 is 10.8% 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.