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 Moderate-density area
- $98,047
- Median income Above-median income area
- $217,400
- Median home value Near-median home value
- 34.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 46365 (Mill Creek, IN) fell -12.3% from 2023 to 2024. The all-transactions index moved from 236.7 in 2023 to 207.7 in 2024 (2000 = 100).
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 average Indiana ZIP), while per-capita income is $33,168. Both reported hardship measures are comparatively low in absolute terms: poverty is 2.0% and unemployment is 0.0%. Median home value is $217,400 (12% above the average Indiana ZIP); 76.7% of occupied homes 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 -. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in LaPorte County, so 46365 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 →
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
Who lives in ZIP 46365?
38.1
Median Age
37.8%
Male
62.2%
Female
0.0%
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?
$98,047
Median Household Income
+33% vs state ZIP avg
$33,168
Per Capita Income
2.0%
Poverty Rate
0.0%
Unemployment Rate
How ZIP 46365 ranks among Indiana ZIPs
Mill Creek, 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)
$98,047 Top 11% higher than 89% 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
335housing units
335
Total Housing Units
335
Occupied Units
0
Vacant Units
2.96
Avg Household Size
Occupancy Type
$217,400
Median Home Value
+12% vs state ZIP avg
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.
- 46574
Walkerton (46574)
8,339 residents
- 46552
New Carlisle (46552)
6,834 residents
- 46554
North Liberty (46554)
4,942 residents
- 46371
Rolling Prairie (46371)
3,599 residents
- 46365 1,068
Mill Creek (46365)
1,068 residents
What this shows Among its immediate neighbors, ZIP 46365 ranks #5 by population - useful context the national average alone can't give.
ZIP 46365 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46371
Rolling Prairie (46371)
$99,830 median income
- 46365
Mill Creek (46365)
$98,047 median income
- 46552
New Carlisle (46552)
$91,341 median income
- 46554
North Liberty (46554)
$88,068 median income
- 46574
Walkerton (46574)
$76,181 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46365, 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 (1,068 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in LaPorte County
Related Areas
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.
Related
Take this with you
What to do with ZIP 46365's numbers, next.
- See how ZIP 46365 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Mill Creek, 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.