46033 ZIP Code — Carmel, IN

Hamilton County, Indiana

ZIP code 46033 is located in Carmel, Indiana, within Hamilton County. It covers approximately 17.43 square miles and serves a population of 39,859 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 317/463.

About ZIP code 46033

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $430,500. Owner-occupancy is high at 86%, well above the national average.

The gap between median ($147,998) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average. Remote work is prevalent — 20% of workers work from home.

Educational attainment is high — 72% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 46033 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

39,859
population
17.43
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
46033 ZIP code map
Cities in ZIP code 46033

Below are the cities the US Postal Service accepts for ZIP code 46033. Using any city not on this list may result in mail delivery delays.

City Status
Carmel Preferred
Nearby ZIP codes
46280 Indianapolis (3 mi) 46280 Indianapolis (3 mi) 46038 Fishers (3.5 mi) 46085 Fishers (3.7 mi) 46250 Indianapolis (4.5 mi) 46240 Indianapolis (5.3 mi) 46032 Carmel (5.4 mi) 46290 Indianapolis (5.4 mi) 46290 Indianapolis (5.4 mi) 46062 Noblesville (6.3 mi) 46062 Noblesville (6.3 mi) 46074 Westfield (6.4 mi)
Demographics updated 06/2026
Population
Total population 39,859
Population density 2,287 / sq mi
State FIPS 18
County FIPS 057
Geography
Land area 17.43 sq mi
Water area 0.52 sq mi
Latitude 39.9762
Longitude -86.0759
Timezone Eastern (ET)
Area code 317/463
Total population by age
Gender
Race & ethnicity
Economics updated 06/2026
Household income
Income range This ZIP County avg State avg
Under $50k 13.3% 21.3% 42.9%
$50k – $100k 21.1% 30.4% 32.7%
$100k – $200k 37.4% 33.2% 19.8%
Over $200k 28.2% 15.1% 4.5%

Demographics & statistics

39,859
Population
2,287
People per sq mi
41.9
Median age
$147,998
Median household income
$70,059
Per capita income
$430,500
Median home value
$1,499
Median monthly rent
86.0%
Home ownership
2.6%
Poverty rate
2.0%
Unemployment
12,811
Housing units
71.8%
Bachelor's or higher

Age distribution

Male Female
907
Under 5
991
1,565
5–9
1,711
1,559
10–14
1,703
1,399
15–19
1,530
696
20–24
761
1,556
25–34
1,700
2,764
35–44
3,020
3,072
45–54
3,358
1,111
55–59
1,214
1,433
60–64
1,566
1,865
65–74
2,039
800
75–84
874
318
85+
347
← Male
Female →

Age summary

GroupCount%
Under 1810,34325.9%
18 and over29,51674.1%
65 and over6,24315.7%
Median age41.9 years

Race & ethnicity

White 77.6%
Asian 8.1%
Two or more races 6.3%
Hispanic or Latino 4.7%
Black or African American 1.8%
Other race 1.4%
American Indian / Alaska Native 0.2%
GroupCount%
White32,44377.6%
Asian3,3978.1%
Two or more races2,6266.3%
Hispanic or Latino1,9654.7%
Black or African American7441.8%
Other race5801.4%
American Indian / Alaska Native690.2%

Household income

Income range This ZIP County avg State avg
Under $50k 13.3% 21.3% 42.9%
$50k – $100k 21.1% 30.4% 32.7%
$100k – $200k 37.4% 33.2% 19.8%
Over $200k 28.2% 15.1% 4.5%
Under $10k 1.5%
$10k–$15k 0.5%
$15k–$25k 2.5%
$25k–$35k 0.9%
$35k–$50k 6.4%
$50k–$75k 12.6%
$75k–$100k 8.7%
$100k–$150k 17.5%
$150k–$200k 14.1%
$200k+ 35.3%
Range% of households
Under $10k1.5%
$10k–$15k0.5%
$15k–$25k2.5%
$25k–$35k0.9%
$35k–$50k6.4%
$50k–$75k12.6%
$75k–$100k8.7%
$100k–$150k17.5%
$150k–$200k14.1%
$200k+35.3%
Median income$147,998

Housing

Home values

Under $50k 0.6%
$50k–$100k 0.4%
$100k–$150k 0.7%
$150k–$200k 1.5%
$200k–$300k 12.6%
$300k–$500k 52.4%
$500k–$1M 28.3%
$1M+ 3.5%

Housing overview

MetricValue
Median home value$430,500
Median rent / month$1,499
Owner occupied86.0%
Renter occupied14.0%
Vacant2.8%
Single-family detached88.2%
Large apartment buildings0.8%
Mobile homes0.0%
Median rooms10.0
Avg household size (owned)2.87

Year built

Era%
2020 or later1.2%
2010–201915.9%
2000–200915.2%
1990–199925.4%
1980–198918.1%
1970–197918.8%
1960–19693.3%
1950–19590.8%
1940–19490.7%
1939 or earlier0.6%

Bedrooms

Size% of units
No bedroom (studio)0.4%
1 bedroom2.4%
2 bedrooms9.7%
3 bedrooms21.7%
4 bedrooms47.1%
5+ bedrooms18.7%

Vehicles per household

Vehicles% of households
No vehicle1.3%
1 vehicle20.3%
2 vehicles52.3%
3 or more26.1%

Heating fuel

Fuel type%
Utility gas72.0%
Electricity27.7%
Propane / LP gas0.3%
Wood0.1%

Households & families

Household typeCount%
Married-couple family10,92275.8%
Cohabiting couple4803.3%
Male householder, no spouse8435.8%
Female householder, no spouse2,16815.0%
Households with children under 185,73939.8%
Households with seniors (65+)3,96027.5%
Average household size2.76

Marital status

StatusMaleFemale
Never married20.8%19.2%
Married74.4%67.7%
Separated0.3%1.3%
Widowed1.0%4.8%
Divorced3.6%7.0%

Education

Less than 9th grade 0.7%
Some HS, no diploma 0.6%
HS graduate 8.0%
Some college, no degree 12.5%
Associate's degree 6.3%
Bachelor's degree 41.7%
Graduate / professional 30.1%
Metric%
HS diploma or higher98.7%
Bachelor's or higher71.8%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool8027.3%
Kindergarten5134.7%
Elementary school5,20647.7%
High school2,72224.9%
College / grad school1,67515.3%

Employment

Industry of employment

Education & healthcare 23.6%
Professional & management 18.2%
Manufacturing 12.1%
Finance & real estate 10.7%
Retail trade 8.7%
Arts, food & hospitality 7.5%
Construction 4.4%
Wholesale trade 4.4%
Other services 3.5%
Transportation & utilities 2.8%
Public administration 2.3%
Information 1.4%
Agriculture & mining 0.3%

Occupation

Category%
Management, business & arts64.8%
Service8.8%
Sales & office18.6%
Natural resources & construction2.8%
Production & transportation5.1%

Employment type

Type%
Private sector84.5%
Government10.7%
Self-employed4.7%
Unpaid family workers0.1%

Commute

Method%
Drive alone70.6%
Carpool6.3%
Public transit0.0%
Walk1.7%
Work from home20.3%
Other means1.1%
Avg commute (minutes)24.9

Poverty

All people 2.6%
Under 18 years 3.3%
18 and over 2.3%
Married-couple families 0.8%
Female-led households 15.7%

Income support

Source% of households
Social Security24.2%
Retirement income22.9%
Supplemental Security0.5%
Cash public assistance0.6%
Food stamps / SNAP0.6%

Health indicators

Condition%
Obesity28.3%
High blood pressure26.7%
High cholesterol31.0%
Diabetes8.3%
Heart disease4.6%
Stroke1.9%
Asthma8.3%
Arthritis21.1%
Kidney disease2.1%
Pulmonary disease4.2%
Cancer6.5%
Behavior / access%
Smoking9.6%
Binge drinking16.0%
No physical activity14.4%
Less than 7 hrs sleep25.8%
Depression19.3%
Fair or poor health8.2%
Poor mental health11.4%
Poor physical health6.8%
No health insurance6.8%
Visited doctor (checkup)75.6%
Visited dentist79.1%
Cholesterol screening93.6%
Teeth loss5.9%

Veterans & disability

VeteransCount%
Civilian veterans1,4825.0%
Disability%
Any disability6.0%
Under 182.3%
18–64 years4.3%
65 and over18.3%

Health insurance coverage

Type%
Private insurance88.8%
Public insurance18.0%
No insurance2.1%
Uninsured under 192.6%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only37,96195.2%
Spanish1,4713.9%
Other Indo-European3841.0%
Asian & Pacific Islander1120.3%
Other languages6891.8%

Place of birth & citizenship

OriginCount%
Native born (US)35,35388.7%
Born in same state34,90487.6%
Born in different state20,54451.5%
Foreign born4491.1%
Naturalized citizen4,50611.3%
Not a US citizen2,63058.4%

Ancestry

AncestryCount%
French7,02717.6%
Italian5,63714.1%
Arab1,9434.9%
Polish8802.2%
AncestryCount%
English4941.2%
German1750.4%
Irish910.2%
Norwegian650.2%

Technology access

Metric% of households
Computer access36.2%
Internet access99.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 46033

What city is ZIP code 46033 in?

ZIP code 46033 is primarily assigned to Carmel, Indiana.

What county is ZIP code 46033 in?

ZIP code 46033 falls within Hamilton County, Indiana.

How educated is the population of ZIP code 46033?

72% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 46033 mostly owner-occupied?

86% of occupied units in ZIP code 46033 are owner-occupied, well above the national average.

What is the median household income in ZIP code 46033?

The median household income in ZIP code 46033 is $147,998, above the national median of ~$75,000.

What is the typical home value in ZIP code 46033?

The median home value in ZIP code 46033 is $430,500.

What timezone is ZIP code 46033 in?

ZIP code 46033 observes the EST timezone.

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