PlainZIP

Mill Creek, IN · standard

ZIP Code 46365

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

1,068
18/sq mi
$98,047
Median income
$217,400
Median home value
34.1%
Bachelor's or higher

The verdict

Mill Creek pairs an upper-quartile household income with below-median home values, in a rural, homeowner-dominated area.

Top 20%
household income, US ZIPs
48th pct
home value, US ZIPs
18
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46365 against every reporting US ZIP.

ZIP code 46365 is a sparsely populated ZIP (a standard USPS delivery area) in Mill Creek, LaPorte County, Indiana, home to just 1,068 residents across 60.3 square miles, a density of 18 people per square mile, in the Chicago time zone.

ZIP 46365 lands in the middle-income range, with a median household income of $98,047 (33% above the Indiana average), while per-capita income is $33,168. The poverty rate stands at 2.0% and the unemployment rate at 0.0%. On housing, the median home value is $217,400 (12% above the state average) with median rent at - per month, and 76.7% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 34.1% of adults hold a bachelor's degree or higher, the median age is 38.1, and the average commute is -. A geography-based comparison follows: 4 ZIP codes within about 10 miles of 46365, plus 6 more within LaPorte 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 →

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 46365, Mill Creek, 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

1,068

Population

60.3

Area (sq mi)

18

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 46365?

38.1

Median Age

37.8%

Male

62.2%

Female

0.0%

Foreign-Born

White 98.2%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.8%
Hispanic or Latino 4.3%

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?

$98,047

Median Household Income

+33% vs state

$33,168

Per Capita Income

2.0%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 46365 ranks nationally

Mill Creek, IN household income vs. every US ZIP code

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

$98,047 Top 20% higher than 80% 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%). This entry sits in this band. $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 68.5%
Bachelor's Degree or Higher 34.1%

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

What does housing look like?

335

Total Housing Units

335

Occupied Units

0

Vacant Units

2.96

Avg Household Size

Occupancy Type

Owner 76.7%
Renter 23.3%

$217,400

Median Home Value

+12% vs state

1995

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

-12.3%

YoY Change (2024)

208

HPI Index (2000 = 100)

+108%

Total Change Since 2000

Home values in ZIP 46365 have decreased 12.3% over the past year (2024). Since 2000, this ZIP has seen +108% cumulative appreciation.

Year Annual Change HPI Index
2020 -8.8% 135
2021 +13.7% 153
2022 +20.0% 184
2023 +28.6% 237
2024 -12.3% 208

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 8 business establishments in ZIP 46365, employing approximately 20 people with a combined annual payroll of $947,000.

8

Businesses

20

Employees

$947K

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Construction 3 37.5%

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 46365 vs 46371 →

ZIP 46365 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 46365 ranks #5 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 46365 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 46365 ranks #2 of 5 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
46371 Rolling Prairie, IN 3,599 5.9 mi
46552 New Carlisle, IN 6,834 7.4 mi
46554 North Liberty, IN 4,942 7.0 mi
46574 Walkerton, IN 8,339 9.6 mi

More ZIP Codes in LaPorte County

46350 standard
La Porte, IN
Pop: 43,650
46360 standard
Michigan City, IN
Pop: 43,625
46391 standard
Westville, IN
Pop: 9,726
46371 standard
Rolling Prairie, IN
Pop: 3,599
46390 standard
Wanatah, IN
Pop: 2,796
46382 standard
Union Mills, IN
Pop: 2,108

Related Areas

LaPorte County Mill Creek, IN Indiana

Frequently Asked Questions

What county is ZIP code 46365 in? ▼
ZIP code 46365 (Mill Creek) is located in LaPorte County, Indiana. LaPorte County contains multiple ZIP codes, see the full list at /counties/laporte-in.
What is the population of ZIP code 46365? ▼
ZIP code 46365 in Mill Creek, IN has a population of 1,068 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46365? ▼
The median household income in ZIP 46365 is $98,047, which is 29% above the national average of $76,288.
What is the average home value in ZIP 46365? ▼
The median home value in ZIP 46365 is $217,400, which is 22% below the national average of $278,155.
What is the demographic makeup of ZIP 46365? ▼
The largest racial group in ZIP 46365 is White at 98.2%. Hispanic or Latino residents make up 4.3% of the population.
How many businesses are in ZIP code 46365? ▼
ZIP code 46365 has 8 business establishments employing approximately 20 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 46365? ▼
According to the FHFA House Price Index, home values in ZIP 46365 decreased by 12.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 108%. 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 46365? ▼
In ZIP code 46365, 68.5% of residents aged 25+ have a high school diploma or higher, and 34.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 46365? ▼
In ZIP code 46365, approximately 76.7% of occupied housing units are owner-occupied and 23.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46365? ▼
The poverty rate in ZIP code 46365 is 2.0% 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.