46407 ZIP Code — Gary, IN

Lake County, Indiana

ZIP code 46407 is located in Gary, Indiana, within Lake County. It covers approximately 4.18 square miles and serves a population of 9,125 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 219.

About ZIP code 46407

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $53,000. Renters make up the majority at 55%, typical of denser urban areas.

Median household income is $26,502. Poverty affects 35% of residents, above the national average. SNAP benefit usage at 32% of households reflects economic stress in the area. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 27 minutes is near the national average.

College attainment at 10% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (54%), diabetes (26%), smoking (30%) compared to national benchmarks.

Overall, ZIP code 46407 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

9,125

population

4.18

sq mi land

Standard

ZIP type

Central (CT)

timezone

46407 ZIP code map

Cities in ZIP code 46407

Below are the cities the US Postal Service accepts for ZIP code 46407. Using any city not on this list may result in mail delivery delays.

City	Status
Gary	Preferred

Nearby ZIP codes

46409 Gary (2.2 mi) 46402 Gary (2.6 mi) 46404 Gary (2.8 mi) 46405 Lake Station (3.2 mi) 46408 Gary (3.4 mi) 46403 Gary (4.3 mi) 46406 Gary (4.4 mi) 46342 Hobart (6.2 mi) 46319 Griffith (6.3 mi) 46410 Merrillville (6.7 mi) 46323 Hammond (6.8 mi) 46322 Highland (7.1 mi)

Demographics updated 05/2026

Population
Total population	9,125
Population density	2,183 / sq mi
State FIPS	18
County FIPS	089

Geography
Land area	4.18 sq mi
Water area	0.00 sq mi
Latitude	41.5776
Longitude	-87.3267
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	78.3%	43.6%	42.9%
$50k – $100k	18.0%	31.1%	32.7%
$100k – $200k	3.7%	21.2%	19.8%
Over $200k	0.0%	4.1%	4.5%

Demographics & statistics

9,125

Population

2,183

People per sq mi

41.1

Median age

$26,502

Median household income

$19,162

Per capita income

$53,000

Median home value

$780

Median monthly rent

45.0%

Home ownership

34.6%

Poverty rate

15.3%

Unemployment

4,591

Housing units

9.7%

Bachelor's or higher

Age distribution

Male Female

309

Under 5

380

311

5–9

382

305

10–14

375

191

15–19

234

148

20–24

181

514

25–34

633

453

35–44

558

367

45–54

452

265

55–59

326

323

60–64

398

462

65–74

569

270

75–84

332

174

85+

213

← Male

Female →

Age summary

Group	Count	%
Under 18	2,304	25.2%
18 and over	6,821	74.8%
65 and over	2,020	22.1%
Median age	41.1 years

Race & ethnicity

Black or African American 92.2%

White 4%

Two or more races 2%

Asian 0.8%

Hispanic or Latino 0.7%

Other race 0.1%

Group	Count	%
Black or African American	8,479	92.2%
White	370	4%
Two or more races	187	2%
Asian	77	0.8%
Hispanic or Latino	67	0.7%
Other race	12	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	78.3%	43.6%	42.9%
$50k – $100k	18.0%	31.1%	32.7%
$100k – $200k	3.7%	21.2%	19.8%
Over $200k	0.0%	4.1%	4.5%

Under $10k 17.9%

$10k–$15k 11.3%

$15k–$25k 18.9%

$25k–$35k 14.6%

$35k–$50k 10.3%

$50k–$75k 15.2%

$75k–$100k 4.3%

$100k–$150k 5.0%

$150k–$200k 1.2%

$200k+ 1.4%

Range	% of households
Under $10k	17.9%
$10k–$15k	11.3%
$15k–$25k	18.9%
$25k–$35k	14.6%
$35k–$50k	10.3%
$50k–$75k	15.2%
$75k–$100k	4.3%
$100k–$150k	5.0%
$150k–$200k	1.2%
$200k+	1.4%
Median income	$26,502

Housing

Home values

Under $50k 45.8%

$50k–$100k 37.0%

$100k–$150k 5.7%

$150k–$200k 6.1%

$200k–$300k 3.2%

$300k–$500k 0.7%

$500k–$1M 1.0%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$53,000
Median rent / month	$780
Owner occupied	45.0%
Renter occupied	55.0%
Vacant	39.9%
Single-family detached	59.7%
Large apartment buildings	4.7%
Mobile homes	0.3%
Median rooms	4.8
Avg household size (owned)	2.28

Year built

Era	%
2020 or later	0.0%
2010–2019	3.4%
2000–2009	2.9%
1990–1999	4.1%
1980–1989	3.8%
1970–1979	8.2%
1960–1969	13.1%
1950–1959	23.1%
1940–1949	17.8%
1939 or earlier	23.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	15.7%
2 bedrooms	33.9%
3 bedrooms	38.9%
4 bedrooms	7.1%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	24.7%
1 vehicle	48.1%
2 vehicles	19.8%
3 or more	7.4%

Heating fuel

Fuel type	%
Utility gas	81.1%
Electricity	15.9%
Propane / LP gas	1.6%
Fuel oil	0.3%
Wood	0.2%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	452	11.0%
Cohabiting couple	242	5.9%
Male householder, no spouse	1,182	28.6%
Female householder, no spouse	2,251	54.5%
Households with children under 18	1,092	26.5%
Households with seniors (65+)	1,724	41.8%
Average household size	2.19

Marital status

Status	Male	Female
Never married	52.0%	50.8%
Married	16.6%	14.4%
Separated	5.8%	5.8%
Widowed	11.7%	13.9%
Divorced	13.9%	15.1%

Education

Less than 9th grade 4.2%

Some HS, no diploma 14.7%

HS graduate 42.8%

Some college, no degree 18.6%

Associate's degree 10.0%

Bachelor's degree 6.7%

Graduate / professional 3.0%

Metric	%
HS diploma or higher	81.1%
Bachelor's or higher	9.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	181	8.6%
Kindergarten	97	4.6%
Elementary school	1,176	56.1%
High school	345	16.5%
College / grad school	296	14.1%

Employment

Industry of employment

Education & healthcare 28.0%

Arts, food & hospitality 16.1%

Retail trade 12.4%

Manufacturing 10.6%

Transportation & utilities 8.5%

Other services 5.2%

Professional & management 4.9%

Finance & real estate 4.4%

Wholesale trade 4.1%

Construction 3.5%

Public administration 2.2%

Occupation

Category	%
Management, business & arts	21.4%
Service	30.5%
Sales & office	17.4%
Natural resources & construction	4.8%
Production & transportation	25.9%

Employment type

Type	%
Private sector	85.1%
Government	7.8%
Self-employed	6.1%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	74.5%
Carpool	14.3%
Public transit	2.6%
Walk	2.1%
Work from home	4.6%
Other means	2.0%
Avg commute (minutes)	27.2

Poverty

All people 34.6%

Under 18 years 57.4%

18 and over 27.1%

Married-couple families 4.6%

Female-led households 34.9%

Income support

Source	% of households
Social Security	47.4%
Retirement income	23.6%
Supplemental Security	16.4%
Cash public assistance	1.8%
Food stamps / SNAP	32.1%

Health indicators

Condition	%
Obesity	54.2%
High blood pressure	53.8%
High cholesterol	32.7%
Diabetes	26.0%
Heart disease	10.5%
Stroke	8.1%
Asthma	14.2%
Arthritis	37.2%
Kidney disease	6.0%
Pulmonary disease	12.8%
Cancer	6.3%

Behavior / access	%
Smoking	29.8%
Binge drinking	10.0%
No physical activity	46.4%
Less than 7 hrs sleep	47.0%
Depression	18.6%
Fair or poor health	36.4%
Poor mental health	18.0%
Poor physical health	19.5%
No health insurance	22.6%
Visited doctor (checkup)	84.1%
Visited dentist	38.9%
Cholesterol screening	89.7%
Teeth loss	36.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	564	8.3%

Disability	%
Any disability	20.8%
Under 18	3.1%
18–64 years	19.7%
65 and over	43.7%

Health insurance coverage

Type	%
Private insurance	35.8%
Public insurance	66.2%
No insurance	9.5%
Uninsured under 19	3.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,436	92.4%
Spanish	53	0.6%
Other Indo-European	25	0.3%
Asian & Pacific Islander	0	0.0%
Other languages	22	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,003	98.7%
Born in same state	9,003	98.7%
Born in different state	5,674	62.2%
Foreign born	0	0.0%
Naturalized citizen	122	1.3%
Not a US citizen	47	38.5%

Ancestry

Ancestry	Count	%
French	53	0.6%
Arab	46	0.5%

Ancestry	Count	%
Italian	18	0.2%
English	17	0.2%

Technology access

Metric	% of households
Computer access	45.2%
Internet access	77.6%

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

Frequently asked questions about ZIP code 46407

What city is ZIP code 46407 in?

ZIP code 46407 is primarily assigned to Gary, Indiana.

What county is ZIP code 46407 in?

ZIP code 46407 falls within Lake County, Indiana.

What is the poverty rate in ZIP code 46407?

35% of residents in ZIP code 46407 live below the poverty line, above the national average.

How educated is the population of ZIP code 46407?

10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 46407 have a large retiree population?

47% of households in ZIP code 46407 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 46407 mostly rentals?

55% of occupied units in ZIP code 46407 are renter-occupied.

What timezone is ZIP code 46407 in?

ZIP code 46407 observes the CST timezone.