PlainZIP

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
$64,127
Median income
$208,100
Median home value
24.8%
Bachelor's or higher

The verdict

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.

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 Indiana average), while per-capita income is $35,979. Poverty here runs at 13.1%, with unemployment measured at 8.0%. Median home value sits at $208,100 (8% above the state average), median rent at $1,270 a month, and owner-occupancy at 66.0%.

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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 46410, plus 6 more within Lake 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 →

Top industries in ZIP 46410

Top 5 sectors by establishment count in Merrillville, IN

Which industries have the most business establishments in ZIP 46410.

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 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

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 46410?

42.1

Median Age

48.2%

Male

51.8%

Female

6.2%

Foreign-Born

White 34.5%
African American 47.9%
Asian 1.2%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.9%
Hispanic or Latino 15.7%

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

$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

$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 59.0%
Bachelor's Degree or Higher 24.8%

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

What does housing look like?

17,695

Total Housing Units

16,859

Occupied Units

836

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 66.0%
Renter 34.0%

$208,100

Median Home Value

+8% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 46410 ranks #2 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 46410 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 46410 ranks #5 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
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

More ZIP Codes in Lake County

46307 standard
Crown Point, IN
Pop: 60,619
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
46321 standard
Munster, IN
Pop: 23,603

Related Areas

Lake County Merrillville, IN Indiana

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.

Read our methodology to see how this data is sourced, computed, and verified.