Merrillville, IN · standard
ZIP Code 46410
Lake County, Indiana - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 38,340
- 502/sq mi High-density area
- $64,127
- Median income Near-median income area
- $208,100
- Median home value Near-median home value
- 24.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Merrillville pairs a below-median household income with below-median home values, in a low-density, homeowner-dominated area.
- 37th pct
- household income, US ZIPs
- 46th pct
- home value, US ZIPs
- 502
- people per sq mi
- 66%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 46410 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 46410 (Merrillville, IN) rose +6.2% from 2023 to 2024. The all-transactions index moved from 203.3 in 2023 to 215.9 in 2024 (2000 = 100).
ZIP code 46410 is a densely settled ZIP (a standard USPS delivery area) in Merrillville, Lake County, Indiana, with 38,340 residents across 76.5 square miles, a density of 502 people per square mile, in the Chicago time zone.
ZIP 46410 reports a modest median household income of $64,127 (13% below the average Indiana ZIP), while per-capita income is $35,979. The poverty rate is 13.1%, with unemployment at 8.0%; those measures add context to the income figure. Median home value is $208,100 (8% above the average Indiana ZIP) and median rent is $1,270; 66.0% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 24.8% of adults hold a bachelor's degree or higher, the median age is 42.1, and the average commute is 32 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Lake County, so 46410 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 46410
Top 5 sectors by establishment count in Merrillville, IN
Which industries have the most business establishments in ZIP 46410.
- Health care and social assistance
Health care and social assistance
306 establishments
- Retail trade
Retail trade
286 establishments
- Accommodation and food services
Accommodation and food services
163 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
161 establishments
- Other services (except public administration)
Other services (except public administration)
134 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 46410, Merrillville, 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
38,340
Population
76.5
Area (sq mi)
502
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 46410?
42.1
Median Age
48.2%
Male
51.8%
Female
6.2%
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?
$64,127
Median Household Income
-13% vs state ZIP avg
$35,979
Per Capita Income
13.1%
Poverty Rate
8.0%
Unemployment Rate
31.8 min
Mean Commute Time
How ZIP 46410 ranks nationally
Merrillville, IN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$64,127 37th percentile higher than 37% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
17,695housing units
17,695
Total Housing Units
16,859
Occupied Units
836
Vacant Units
2.29
Avg Household Size
Occupancy Type
$208,100
Median Home Value
+8% vs state ZIP avg
$1,270
Median Rent
1979
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
+6.2%
YoY Change (2024)
216
HPI Index (2000 = 100)
+116%
Total Change Since 2000
Home values in ZIP 46410 have increased 6.2% over the past year (2024). Since 2000, this ZIP has seen +116% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.5% | 147 |
| 2021 | +13.9% | 167 |
| 2022 | +17.5% | 196 |
| 2023 | +3.5% | 203 |
| 2024 | +6.2% | 216 |
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 1,553 business establishments in ZIP 46410, employing approximately 27,127 people with a combined annual payroll of $1,550,054,000.
1,553
Businesses
27,127
Employees
$1.6B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 306 | 19.7% |
| Retail trade | 286 | 18.4% |
| Accommodation and food services | 163 | 10.5% |
| Professional, scientific, and technical services | 161 | 10.4% |
| Other services (except public administration) | 134 | 8.6% |
| Finance and insurance | 105 | 6.8% |
| Construction | 88 | 5.7% |
| Real estate and rental and leasing | 69 | 4.4% |
| Wholesale trade | 54 | 3.5% |
| Administrative and support and waste management and remediation services | 53 | 3.4% |
| Transportation and warehousing | 37 | 2.4% |
| Manufacturing | 32 | 2.1% |
| Information | 21 | 1.4% |
| Educational services | 19 | 1.2% |
| Arts, entertainment, and recreation | 11 | 0.7% |
| Management of companies and enterprises | 6 | 0.4% |
| Utilities | 5 | 0.3% |
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 46410 vs 46409 →
ZIP 46410 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46307
Crown Point (46307)
60,619 residents
- 46410
Merrillville (46410)
38,340 residents
- 46342
Hobart (46342)
31,244 residents
- 46375 23,820
Schererville (46375)
23,820 residents
- 46319 18,404
Griffith (46319)
18,404 residents
- 46404 17,326
Gary (46404)
17,326 residents
- 46408 17,030
Gary (46408)
17,030 residents
- 46407 12,656
Gary (46407)
12,656 residents
- 46405 11,746
Lake Station (46405)
11,746 residents
What this shows Among its immediate neighbors, ZIP 46410 ranks #2 by population - useful context the national average alone can't give.
ZIP 46410 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 46307
Crown Point (46307)
$107,800 median income
- 46375
Schererville (46375)
$93,160 median income
- 46342
Hobart (46342)
$75,521 median income
- 46319
Griffith (46319)
$74,662 median income
- 46410
Merrillville (46410)
$64,127 median income
- 46405
Lake Station (46405)
$60,881 median income
- 46408
Gary (46408)
$47,453 median income
- 46409
Gary (46409)
$44,667 median income
- 46404 $42,256
Gary (46404)
$42,256 median income
What this shows By household income, ZIP 46410 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 46409 | Gary, IN | 8,932 | 4.7 mi |
| 46307 | Crown Point, IN | 60,619 | 5.4 mi |
| 46408 | Gary, IN | 17,030 | 4.8 mi |
| 46407 | Gary, IN | 12,656 | 6.7 mi |
| 46402 | Gary, IN | 6,726 | 8.2 mi |
| 46342 | Hobart, IN | 31,244 | 5.2 mi |
| 46375 | Schererville, IN | 23,820 | 6.0 mi |
| 46319 | Griffith, IN | 18,404 | 5.5 mi |
| 46404 | Gary, IN | 17,326 | 7.4 mi |
| 46405 | Lake Station, IN | 11,746 | 7.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 46410, 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 (38,340 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 46410 in?
ZIP code 46410 (Merrillville) 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 46410?
ZIP code 46410 in Merrillville, IN has a population of 38,340 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 46410?
The median household income in ZIP 46410 is $64,127, which is 16% below the national average of $76,288.
What is the average home value in ZIP 46410?
The median home value in ZIP 46410 is $208,100, which is 25% below the national average of $278,155.
What is the demographic makeup of ZIP 46410?
The largest racial group in ZIP 46410 is African American at 47.9%. Hispanic or Latino residents make up 15.7% of the population.
How many businesses are in ZIP code 46410?
ZIP code 46410 has 1,553 business establishments employing approximately 27,127 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 46410?
The top industries by establishment count in ZIP 46410 are: Health care and social assistance (306), Retail trade (286), Accommodation and food services (163). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 46410?
According to the FHFA House Price Index, home values in ZIP 46410 increased by 6.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 116%. 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 46410?
In ZIP code 46410, 59.0% of residents aged 25+ have a high school diploma or higher, and 24.8% 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 46410?
The mean commute time for workers in ZIP code 46410 is 31.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 46410?
In ZIP code 46410, approximately 66.0% of occupied housing units are owner-occupied and 34.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 46410?
The poverty rate in ZIP code 46410 is 13.1% 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 46410's numbers, next.
- See how ZIP 46410 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Merrillville, 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.