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

Group	Count	%
Under 18	10,343	25.9%
18 and over	29,516	74.1%
65 and over	6,243	15.7%
Median age	41.9 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%

Group	Count	%
White	32,443	77.6%
Asian	3,397	8.1%
Two or more races	2,626	6.3%
Hispanic or Latino	1,965	4.7%
Black or African American	744	1.8%
Other race	580	1.4%
American Indian / Alaska Native	69	0.2%

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 $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%
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

Metric	Value
Median home value	$430,500
Median rent / month	$1,499
Owner occupied	86.0%
Renter occupied	14.0%
Vacant	2.8%
Single-family detached	88.2%
Large apartment buildings	0.8%
Mobile homes	0.0%
Median rooms	10.0
Avg household size (owned)	2.87

Year built

Era	%
2020 or later	1.2%
2010–2019	15.9%
2000–2009	15.2%
1990–1999	25.4%
1980–1989	18.1%
1970–1979	18.8%
1960–1969	3.3%
1950–1959	0.8%
1940–1949	0.7%
1939 or earlier	0.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	2.4%
2 bedrooms	9.7%
3 bedrooms	21.7%
4 bedrooms	47.1%
5+ bedrooms	18.7%

Vehicles per household

Vehicles	% of households
No vehicle	1.3%
1 vehicle	20.3%
2 vehicles	52.3%
3 or more	26.1%

Heating fuel

Fuel type	%
Utility gas	72.0%
Electricity	27.7%
Propane / LP gas	0.3%
Wood	0.1%

Households & families

Household type	Count	%
Married-couple family	10,922	75.8%
Cohabiting couple	480	3.3%
Male householder, no spouse	843	5.8%
Female householder, no spouse	2,168	15.0%
Households with children under 18	5,739	39.8%
Households with seniors (65+)	3,960	27.5%
Average household size	2.76

Marital status

Status	Male	Female
Never married	20.8%	19.2%
Married	74.4%	67.7%
Separated	0.3%	1.3%
Widowed	1.0%	4.8%
Divorced	3.6%	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 higher	98.7%
Bachelor's or higher	71.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	802	7.3%
Kindergarten	513	4.7%
Elementary school	5,206	47.7%
High school	2,722	24.9%
College / grad school	1,675	15.3%

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 & arts	64.8%
Service	8.8%
Sales & office	18.6%
Natural resources & construction	2.8%
Production & transportation	5.1%

Employment type

Type	%
Private sector	84.5%
Government	10.7%
Self-employed	4.7%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	70.6%
Carpool	6.3%
Public transit	0.0%
Walk	1.7%
Work from home	20.3%
Other means	1.1%
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 Security	24.2%
Retirement income	22.9%
Supplemental Security	0.5%
Cash public assistance	0.6%
Food stamps / SNAP	0.6%

Health indicators

Condition	%
Obesity	28.3%
High blood pressure	26.7%
High cholesterol	31.0%
Diabetes	8.3%
Heart disease	4.6%
Stroke	1.9%
Asthma	8.3%
Arthritis	21.1%
Kidney disease	2.1%
Pulmonary disease	4.2%
Cancer	6.5%

Behavior / access	%
Smoking	9.6%
Binge drinking	16.0%
No physical activity	14.4%
Less than 7 hrs sleep	25.8%
Depression	19.3%
Fair or poor health	8.2%
Poor mental health	11.4%
Poor physical health	6.8%
No health insurance	6.8%
Visited doctor (checkup)	75.6%
Visited dentist	79.1%
Cholesterol screening	93.6%
Teeth loss	5.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,482	5.0%

Disability	%
Any disability	6.0%
Under 18	2.3%
18–64 years	4.3%
65 and over	18.3%

Health insurance coverage

Type	%
Private insurance	88.8%
Public insurance	18.0%
No insurance	2.1%
Uninsured under 19	2.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	37,961	95.2%
Spanish	1,471	3.9%
Other Indo-European	384	1.0%
Asian & Pacific Islander	112	0.3%
Other languages	689	1.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	35,353	88.7%
Born in same state	34,904	87.6%
Born in different state	20,544	51.5%
Foreign born	449	1.1%
Naturalized citizen	4,506	11.3%
Not a US citizen	2,630	58.4%

Ancestry

Ancestry	Count	%
French	7,027	17.6%
Italian	5,637	14.1%
Arab	1,943	4.9%
Polish	880	2.2%

Ancestry	Count	%
English	494	1.2%
German	175	0.4%
Irish	91	0.2%
Norwegian	65	0.2%

Technology access

Metric	% of households
Computer access	36.2%
Internet access	99.3%

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.