46403 ZIP Code — Gary, IN

Lake County, Indiana

ZIP code 46403 is located in Gary, Indiana, within Lake County. It covers approximately 9.26 square miles and serves a population of 10,875 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 219.

About ZIP code 46403

The housing stock consists of a mix of housing types. Most homes were built in the 1950s, giving the area an established character. Median home value is $150,500. Owner-occupancy sits near the national average at 49%.

Median household income is $44,315. Poverty affects 25% of residents, above the national average. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 32 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of obesity (49%), diabetes (20%), smoking (25%) compared to national benchmarks.

Overall, ZIP code 46403 reflects a community defined by economic challenges above the national average and a significant Social Security-dependent population.

10,875

population

9.26

sq mi land

Standard

ZIP type

Central (CT)

timezone

46403 ZIP code map

Cities in ZIP code 46403

Below are the cities the US Postal Service accepts for ZIP code 46403. Using any city not on this list may result in mail delivery delays.

City	Status
Gary	Preferred

Nearby ZIP codes

46405 Lake Station (2.4 mi) 46368 Portage (4.2 mi) 46407 Gary (4.3 mi) 46402 Gary (4.7 mi) 46409 Gary (5.4 mi) 46342 Hobart (6.1 mi) 46404 Gary (6.7 mi) 46408 Gary (7.6 mi) 46406 Gary (7.8 mi) 46410 Merrillville (9.2 mi) 46319 Griffith (10.5 mi) 46312 East Chicago (10.5 mi)

Demographics updated 05/2026

Population
Total population	10,875
Population density	1,174 / sq mi
State FIPS	18
County FIPS	089

Geography
Land area	9.26 sq mi
Water area	2.63 sq mi
Latitude	41.6061
Longitude	-87.2534
Timezone	Central (CT)
Area code	219

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.0%	43.6%	42.9%
$50k – $100k	24.4%	31.1%	32.7%
$100k – $200k	11.9%	21.2%	19.8%
Over $200k	2.6%	4.1%	4.5%

Demographics & statistics

10,875

Population

1,174

People per sq mi

43.0

Median age

$44,315

Median household income

$27,834

Per capita income

$150,500

Median home value

$932

Median monthly rent

48.9%

Home ownership

25.4%

Poverty rate

13.9%

Unemployment

3,793

Housing units

24.8%

Bachelor's or higher

Age distribution

Male Female

367

Under 5

410

304

5–9

339

296

10–14

329

326

15–19

363

275

20–24

306

455

25–34

508

794

35–44

885

610

45–54

679

319

55–59

356

446

60–64

498

583

65–74

650

327

75–84

364

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,538	23.3%
18 and over	8,337	76.7%
65 and over	2,010	18.5%
Median age	43.0 years

Race & ethnicity

Black or African American 60.3%

White 26.9%

Hispanic or Latino 5.3%

Two or more races 4.4%

Other race 2.9%

Asian 0.1%

Group	Count	%
Black or African American	6,926	60.3%
White	3,092	26.9%
Hispanic or Latino	608	5.3%
Two or more races	505	4.4%
Other race	332	2.9%
Asian	15	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.0%	43.6%	42.9%
$50k – $100k	24.4%	31.1%	32.7%
$100k – $200k	11.9%	21.2%	19.8%
Over $200k	2.6%	4.1%	4.5%

Under $10k 10.9%

$10k–$15k 7.2%

$15k–$25k 10.8%

$25k–$35k 9.2%

$35k–$50k 19.3%

$50k–$75k 13.9%

$75k–$100k 11.0%

$100k–$150k 9.5%

$150k–$200k 5.2%

$200k+ 2.9%

Range	% of households
Under $10k	10.9%
$10k–$15k	7.2%
$15k–$25k	10.8%
$25k–$35k	9.2%
$35k–$50k	19.3%
$50k–$75k	13.9%
$75k–$100k	11.0%
$100k–$150k	9.5%
$150k–$200k	5.2%
$200k+	2.9%
Median income	$44,315

Housing

Home values

Under $50k 9.7%

$50k–$100k 21.5%

$100k–$150k 18.4%

$150k–$200k 24.3%

$200k–$300k 10.1%

$300k–$500k 12.0%

$500k–$1M 2.7%

$1M+ 1.3%

Housing overview

Metric	Value
Median home value	$150,500
Median rent / month	$932
Owner occupied	48.9%
Renter occupied	51.1%
Vacant	22.6%
Single-family detached	67.7%
Large apartment buildings	11.8%
Mobile homes	0.4%
Median rooms	5.0
Avg household size (owned)	2.03

Year built

Era	%
2020 or later	0.1%
2010–2019	1.9%
2000–2009	5.4%
1990–1999	5.8%
1980–1989	7.8%
1970–1979	10.0%
1960–1969	20.2%
1950–1959	31.4%
1940–1949	9.8%
1939 or earlier	7.6%

Bedrooms

Size	% of units
No bedroom (studio)	2.6%
1 bedroom	9.0%
2 bedrooms	35.7%
3 bedrooms	40.3%
4 bedrooms	10.9%
5+ bedrooms	1.6%

Vehicles per household

Vehicles	% of households
No vehicle	12.2%
1 vehicle	51.3%
2 vehicles	24.4%
3 or more	12.2%

Heating fuel

Fuel type	%
Utility gas	88.8%
Electricity	8.5%
Propane / LP gas	2.2%
Fuel oil	0.3%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	1,102	22.7%
Cohabiting couple	574	11.8%
Male householder, no spouse	1,303	26.8%
Female householder, no spouse	1,882	38.7%
Households with children under 18	1,255	25.8%
Households with seniors (65+)	1,643	33.8%
Average household size	2.21

Marital status

Status	Male	Female
Never married	45.0%	42.3%
Married	29.5%	26.4%
Separated	3.7%	0.2%
Widowed	5.0%	9.8%
Divorced	16.8%	21.3%

Education

Less than 9th grade 1.6%

Some HS, no diploma 8.7%

HS graduate 33.8%

Some college, no degree 23.3%

Associate's degree 7.9%

Bachelor's degree 13.6%

Graduate / professional 11.2%

Metric	%
HS diploma or higher	89.7%
Bachelor's or higher	24.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	37	1.7%
Kindergarten	268	12.6%
Elementary school	849	39.9%
High school	625	29.4%
College / grad school	348	16.4%

Employment

Industry of employment

Education & healthcare 27.6%

Professional & management 12.6%

Retail trade 12.3%

Manufacturing 12.1%

Arts, food & hospitality 11.2%

Transportation & utilities 9.7%

Other services 4.2%

Finance & real estate 3.9%

Construction 2.3%

Wholesale trade 1.8%

Public administration 1.3%

Information 1.1%

Occupation

Category	%
Management, business & arts	24.7%
Service	24.8%
Sales & office	26.8%
Natural resources & construction	4.5%
Production & transportation	19.2%

Employment type

Type	%
Private sector	89.0%
Government	7.8%
Self-employed	3.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.5%
Carpool	10.4%
Public transit	7.5%
Walk	0.9%
Work from home	3.7%
Other means	0.0%
Avg commute (minutes)	31.8

Poverty

All people 25.4%

Under 18 years 43.1%

18 and over 20.0%

Married-couple families 2.5%

Female-led households 54.9%

Income support

Source	% of households
Social Security	36.9%
Retirement income	29.2%
Supplemental Security	8.5%
Cash public assistance	2.7%
Food stamps / SNAP	16.8%

Health indicators

Condition	%
Obesity	49.3%
High blood pressure	45.7%
High cholesterol	31.4%
Diabetes	19.5%
Heart disease	7.8%
Stroke	5.1%
Asthma	12.5%
Arthritis	31.8%
Kidney disease	4.2%
Pulmonary disease	9.3%
Cancer	5.8%

Behavior / access	%
Smoking	24.8%
Binge drinking	12.2%
No physical activity	36.6%
Less than 7 hrs sleep	43.2%
Depression	18.7%
Fair or poor health	26.0%
Poor mental health	16.5%
Poor physical health	14.9%
No health insurance	17.9%
Visited doctor (checkup)	81.7%
Visited dentist	49.1%
Cholesterol screening	90.6%
Teeth loss	21.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	644	7.7%

Disability	%
Any disability	15.8%
Under 18	2.8%
18–64 years	17.4%
65 and over	27.1%

Health insurance coverage

Type	%
Private insurance	50.3%
Public insurance	55.4%
No insurance	8.8%
Uninsured under 19	7.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,098	92.9%
Spanish	60	0.6%
Other Indo-European	48	0.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,536	96.9%
Born in same state	10,416	95.8%
Born in different state	5,500	50.6%
Foreign born	120	1.1%
Naturalized citizen	339	3.1%
Not a US citizen	50	14.7%

Ancestry

Ancestry	Count	%
French	307	2.8%
Italian	279	2.6%
English	130	1.2%
Arab	118	1.1%

Ancestry	Count	%
Irish	67	0.6%
Norwegian	25	0.2%
Dutch	11	0.1%

Technology access

Metric	% of households
Computer access	44.7%
Internet access	92.6%

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

Frequently asked questions about ZIP code 46403

What city is ZIP code 46403 in?

ZIP code 46403 is primarily assigned to Gary, Indiana.

What county is ZIP code 46403 in?

ZIP code 46403 falls within Lake County, Indiana.

What is the poverty rate in ZIP code 46403?

25% of residents in ZIP code 46403 live below the poverty line, above the national average.

What are the health statistics for ZIP code 46403?

Health data for ZIP code 46403 shows elevated rates of obesity (49%) and diabetes (20%) and smoking (25%) compared to national benchmarks.

Does ZIP code 46403 have a large retiree population?

37% of households in ZIP code 46403 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 46403?

The median home value in ZIP code 46403 is $150,500.

What timezone is ZIP code 46403 in?

ZIP code 46403 observes the CST timezone.