46032 ZIP Code — Carmel, IN

Hamilton County, Indiana

ZIP code 46032 is located in Carmel, Indiana, within Hamilton County. It covers approximately 25.35 square miles and serves a population of 51,250 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 317/463.

About ZIP code 46032

The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $434,000. Owner-occupancy sits near the national average at 67%.

The gap between median ($121,496) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% 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 24 minutes is near the national average. Remote work is prevalent — 21% of workers work from home.

Educational attainment is high — 74% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 46032 reflects a community defined by a highly educated population and a high rate of remote workers.

51,250

population

25.35

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46032 ZIP code map

Cities in ZIP code 46032

Below are the cities the US Postal Service accepts for ZIP code 46032. Using any city not on this list may result in mail delivery delays.

City	Status
Carmel	Preferred

Nearby ZIP codes

46290 Indianapolis (2.5 mi) 46290 Indianapolis (2.5 mi) 46280 Indianapolis (4.1 mi) 46280 Indianapolis (4.1 mi) 46074 Westfield (4.5 mi) 46074 Westfield (4.5 mi) 46033 Carmel (5.4 mi) 46260 Indianapolis (5.4 mi) 46240 Indianapolis (5.7 mi) 46077 Zionsville (5.9 mi) 46268 Indianapolis (6 mi) 46250 Indianapolis (7.1 mi)

Demographics updated 06/2026

Population
Total population	51,250
Population density	2,022 / sq mi
State FIPS	18
County FIPS	057

Geography
Land area	25.35 sq mi
Water area	0.38 sq mi
Latitude	39.9727
Longitude	-86.1771
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	19.9%	21.3%	42.9%
$50k – $100k	27.4%	30.4%	32.7%
$100k – $200k	29.4%	33.2%	19.8%
Over $200k	23.3%	15.1%	4.5%

Demographics & statistics

51,250

Population

2,022

People per sq mi

39.8

Median age

$121,496

Median household income

$74,067

Per capita income

$434,000

Median home value

$1,472

Median monthly rent

66.8%

Home ownership

4.1%

Poverty rate

3.1%

Unemployment

15,173

Housing units

74.4%

Bachelor's or higher

Age distribution

Male Female

1,333

Under 5

1,499

1,637

5–9

1,842

1,821

10–14

2,048

1,608

15–19

1,808

1,484

20–24

1,669

2,661

25–34

2,994

3,328

35–44

3,744

3,569

45–54

4,015

1,765

55–59

1,985

1,490

60–64

1,676

1,968

65–74

2,214

942

75–84

1,060

513

85+

577

← Male

Female →

Age summary

Group	Count	%
Under 18	12,487	24.4%
18 and over	38,763	75.6%
65 and over	7,274	14.2%
Median age	39.8 years

Race & ethnicity

White 78.1%

Asian 8.9%

Black or African American 4.5%

Two or more races 4.1%

Hispanic or Latino 3.2%

Other race 0.9%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	41,343	78.1%
Asian	4,732	8.9%
Black or African American	2,404	4.5%
Two or more races	2,183	4.1%
Hispanic or Latino	1,688	3.2%
Other race	490	0.9%
Native Hawaiian / Pacific Islander	83	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	19.9%	21.3%	42.9%
$50k – $100k	27.4%	30.4%	32.7%
$100k – $200k	29.4%	33.2%	19.8%
Over $200k	23.3%	15.1%	4.5%

Under $10k 2.9%

$10k–$15k 0.8%

$15k–$25k 2.6%

$25k–$35k 3.8%

$35k–$50k 8.2%

$50k–$75k 11.6%

$75k–$100k 13.1%

$100k–$150k 15.5%

$150k–$200k 11.7%

$200k+ 29.8%

Range	% of households
Under $10k	2.9%
$10k–$15k	0.8%
$15k–$25k	2.6%
$25k–$35k	3.8%
$35k–$50k	8.2%
$50k–$75k	11.6%
$75k–$100k	13.1%
$100k–$150k	15.5%
$150k–$200k	11.7%
$200k+	29.8%
Median income	$121,496

Housing

Home values

Under $50k 1.2%

$50k–$100k 0.6%

$100k–$150k 2.1%

$150k–$200k 4.7%

$200k–$300k 16.2%

$300k–$500k 36.7%

$500k–$1M 29.2%

$1M+ 9.3%

Housing overview

Metric	Value
Median home value	$434,000
Median rent / month	$1,472
Owner occupied	66.8%
Renter occupied	33.2%
Vacant	7.1%
Single-family detached	59.4%
Large apartment buildings	13.6%
Mobile homes	0.4%
Median rooms	6.9
Avg household size (owned)	2.78

Year built

Era	%
2020 or later	1.4%
2010–2019	20.6%
2000–2009	22.6%
1990–1999	25.2%
1980–1989	11.6%
1970–1979	9.2%
1960–1969	6.2%
1950–1959	2.1%
1940–1949	0.1%
1939 or earlier	0.9%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	12.3%
2 bedrooms	19.5%
3 bedrooms	24.2%
4 bedrooms	28.7%
5+ bedrooms	12.3%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	29.6%
2 vehicles	46.5%
3 or more	20.3%

Heating fuel

Fuel type	%
Utility gas	61.4%
Electricity	37.0%
Propane / LP gas	1.3%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	11,714	57.4%
Cohabiting couple	838	4.1%
Male householder, no spouse	2,385	11.7%
Female householder, no spouse	5,453	26.7%
Households with children under 18	6,978	34.2%
Households with seniors (65+)	5,037	24.7%
Average household size	2.50

Marital status

Status	Male	Female
Never married	26.2%	25.6%
Married	65.9%	54.8%
Separated	0.4%	0.6%
Widowed	1.3%	8.2%
Divorced	6.2%	10.8%

Education

Less than 9th grade 0.7%

Some HS, no diploma 1.5%

HS graduate 7.8%

Some college, no degree 11.0%

Associate's degree 4.7%

Bachelor's degree 41.9%

Graduate / professional 32.5%

Metric	%
HS diploma or higher	97.8%
Bachelor's or higher	74.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1,075	8.1%
Kindergarten	734	5.5%
Elementary school	5,581	41.9%
High school	3,369	25.3%
College / grad school	2,552	19.2%

Employment

Industry of employment

Education & healthcare 25.3%

Professional & management 18.3%

Manufacturing 12.3%

Finance & real estate 11.2%

Retail trade 8.6%

Arts, food & hospitality 7.2%

Other services 3.5%

Wholesale trade 3.2%

Transportation & utilities 3.1%

Construction 2.8%

Public administration 2.5%

Information 1.8%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	65.7%
Service	8.4%
Sales & office	18.1%
Natural resources & construction	2.0%
Production & transportation	5.7%

Employment type

Type	%
Private sector	88.4%
Government	6.9%
Self-employed	4.6%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	72.4%
Carpool	3.6%
Public transit	0.1%
Walk	1.6%
Work from home	21.2%
Other means	1.1%
Avg commute (minutes)	24.4

Poverty

All people 4.1%

Under 18 years 4.1%

18 and over 4.1%

Married-couple families 1.3%

Female-led households 9.3%

Income support

Source	% of households
Social Security	22.9%
Retirement income	18.6%
Supplemental Security	1.9%
Cash public assistance	0.5%
Food stamps / SNAP	1.5%

Health indicators

Condition	%
Obesity	28.7%
High blood pressure	26.4%
High cholesterol	29.7%
Diabetes	8.3%
Heart disease	4.7%
Stroke	2.0%
Asthma	8.6%
Arthritis	20.8%
Kidney disease	2.2%
Pulmonary disease	4.6%
Cancer	6.2%

Behavior / access	%
Smoking	10.7%
Binge drinking	16.4%
No physical activity	15.9%
Less than 7 hrs sleep	26.5%
Depression	20.1%
Fair or poor health	9.2%
Poor mental health	12.3%
Poor physical health	7.3%
No health insurance	8.0%
Visited doctor (checkup)	74.9%
Visited dentist	76.2%
Cholesterol screening	92.1%
Teeth loss	8.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,323	3.4%

Disability	%
Any disability	6.1%
Under 18	1.7%
18–64 years	3.4%
65 and over	26.4%

Health insurance coverage

Type	%
Private insurance	88.9%
Public insurance	17.0%
No insurance	3.5%
Uninsured under 19	1.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	48,418	94.5%
Spanish	1,947	4.0%
Other Indo-European	446	0.9%
Asian & Pacific Islander	606	1.3%
Other languages	765	1.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	44,740	87.3%
Born in same state	44,171	86.2%
Born in different state	26,024	50.8%
Foreign born	569	1.1%
Naturalized citizen	6,510	12.7%
Not a US citizen	3,849	59.1%

Ancestry

Ancestry	Count	%
French	7,824	15.3%
Italian	6,297	12.3%
Arab	2,591	5.1%
Polish	425	0.8%
English	385	0.8%

Ancestry	Count	%
Norwegian	203	0.4%
German	123	0.2%
Irish	123	0.2%
Dutch	105	0.2%

Technology access

Metric	% of households
Computer access	39.8%
Internet access	97.6%

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

Frequently asked questions about ZIP code 46032

What part of Carmel is ZIP code 46032?

ZIP code 46032 covers a portion of Carmel, Indiana, within Hamilton County.

What county is ZIP code 46032 in?

ZIP code 46032 falls within Hamilton County, Indiana.

How educated is the population of ZIP code 46032?

74% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 46032?

The median home value in ZIP code 46032 is $434,000.

What is the median household income in ZIP code 46032?

The median household income in ZIP code 46032 is $121,496, above the national median of ~$75,000.

What is the population of ZIP code 46032?

ZIP code 46032 has an estimated population of 51,250 residents, with a density of 2,022 people per square mile.

What timezone is ZIP code 46032 in?

ZIP code 46032 observes the EST timezone.