Residential delivery area · Indiana
ZIP Code 46404: Gary, IN
ZIP code 46404 is in Gary, Indiana, entirely in Lake County (Census 2020 ZIP-county file). About 15,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Gary's 7 residential ZIP codes. Median household income is $42,256 (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Gary · 7 residential ZIPs
- County
- Lake County
- Census places
- Gary
- Neighborhood
- Tolleston GeoNames
- Metro area
- Chicago-Naperville-Elgin, IL-IN
- House district
- IN-1 119th Congress
- State
- Indiana
- Time zone
- Central
- Land area
- 6.0 sq mi · 2,568 people per sq mi
- PO Box ZIPs
- 46401 also use the name Gary
Where is ZIP code 46404?
46404 centers on 41.585°, -87.374° and covers 6.0 square miles of land plus 0.0 of water. It borders 4 ZIP codes: 46406, 46407, 46408, 46402.
The map draws ZIP code areas only. For the streets inside 46404, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 46404 compare with the rest of Gary?
| Measure | 46404 | In Gary | In Lake County | In IN |
|---|---|---|---|---|
| People (ACS 2020-2024) | 15,428 | 2nd of 7 | 16th of 28 | 166th of 807 |
| Median household income | $42k | 4th of 7 | 21st of 26 | 465th of 478 |
| Median home value | $95k | 3rd of 6 | 22nd of 25 | 495th of 509 |
Its median household income is higher than in 7% of U.S. residential ZIP codes, and it is denser than 87% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 46404?
The 2020 Census counted 15,658 people in 46404; the ACS, which samples households over 2020-2024, estimates 15,428. Between the 2010 and 2020 censuses its population fell 9.6% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 15,428
- 2020 Census count
- 15,658−9.6% since 2010 (17,326)
- Households
- 5,873
- Median age
- 39.4
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 46404?
Of the 15,428 people the ACS estimates in 46404, 25.6% are under 18 and 21.1% are 65 or older. The largest group by race and Hispanic origin is Black (not Hispanic) (90.4%).
- Under 1825.6%
- 18 to 6453.3%
- 65 and older21.1%
- Black, not Hispanic90.4%
- Other or two or more4.1%
- Hispanic or Latino3.3%
- White, not Hispanic1.4%
- Asian, not Hispanic0.7%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 46404 earn?
Median household income is $42,256 (ACS 2020-2024), the 21st highest of the 26 ranked ZIP codes in Lake County. It is not measurably different from 2015-2019 ($39,341 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $42,256±$7,602
- Income per person
- $22,178
- Below the poverty line
- 28.4%
- Unemployed (of the labor force)
- 8.1%
- Adults 25+ with a bachelor's degree
- 15.4%
- Adjusted gross income per tax return, 2022
- $35,7116,270 returns; wages 74% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 46404?
FHFA's house price index for 46404, built from repeat sales and appraisals of the same homes, rose 161% from 2015 to 2025 and rose 101% from 2020 to 2025, and moved +22.0% in 2025.
- Median home value (owners' estimate)
- $95,200
- Median gross rent
- $999
- Homes owned by their occupants
- 56.4%
- Housing units
- 7,650
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 46404?
122 business establishments had a location in this ZIP code in 2023, 12 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade33
- Other services (except public administration)20
- Health care and social assistance18
- Manufacturing9
- Real estate and rental and leasing7
- Accommodation and food services7
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 46404?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 46406 | Gary | 9,001 | $36k | 2.3 mi |
| 46407 | Gary | 8,577 | $29k | 2.3 mi |
| 46408 | Gary | 15,747 | $48k | 2.7 mi |
| 46402 | Gary | 5,836 | $34k | 3.0 mi |
| 46409 | Gary | 7,184 | $45k | 3.6 mi (near) |
| 46323 | Hammond | 23,047 | $60k | 4.1 mi (near) |
| 46319 | Griffith | 17,847 | $75k | 5.0 mi (near) |
| 46322 | Highland | 23,680 | $78k | 5.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.