46320 ZIP Code — Hammond, IN

Lake County, Indiana

ZIP code 46320 is located in Hammond, Indiana, within Lake County. It covers approximately 4.66 square miles and serves a population of 13,822 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 219.

About ZIP code 46320

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 $97,500. Renters make up the majority at 57%, typical of denser urban areas.

Median household income is $34,806. Poverty affects 30% of residents, above the national average. SNAP benefit usage at 32% of households reflects economic stress in the area.

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

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (48%), diabetes (18%), smoking (27%) compared to national benchmarks. 15% of residents lack health insurance, above the national average.

Overall, ZIP code 46320 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and elevated reliance on food assistance.

13,822

population

4.66

sq mi land

Standard

ZIP type

Central (CT)

timezone

46320 ZIP code map

Cities in ZIP code 46320

Below are the cities the US Postal Service accepts for ZIP code 46320. Using any city not on this list may result in mail delivery delays.

City	Status
Hammond	Preferred

Nearby ZIP codes

46327 Hammond (1.1 mi) 46394 Whiting (1.8 mi) 46312 East Chicago (2.3 mi) 60633 Chicago (3.6 mi) 60409 Calumet City (4 mi) 46324 Hammond (4.6 mi) 46323 Hammond (4.7 mi) 60617 Chicago (5.2 mi) 46406 Gary (5.7 mi) 60419 Dolton (6 mi) 60438 Lansing (6.5 mi) 60473 South Holland (6.5 mi)

Demographics updated 05/2026

Population
Total population	13,822
Population density	2,966 / sq mi
State FIPS	18
County FIPS	089

Geography
Land area	4.66 sq mi
Water area	0.00 sq mi
Latitude	41.6510
Longitude	-87.4935
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	70.2%	43.6%	42.9%
$50k – $100k	21.5%	31.1%	32.7%
$100k – $200k	6.5%	21.2%	19.8%
Over $200k	1.8%	4.1%	4.5%

Demographics & statistics

13,822

Population

2,966

People per sq mi

32.7

Median age

$34,806

Median household income

$19,450

Per capita income

$97,500

Median home value

$832

Median monthly rent

42.7%

Home ownership

30.3%

Poverty rate

10.8%

Unemployment

3,156

Housing units

11.8%

Bachelor's or higher

Age distribution

Male Female

324

Under 5

347

489

5–9

524

505

10–14

541

631

15–19

676

578

20–24

619

956

25–34

1,024

768

35–44

823

693

45–54

743

487

55–59

521

468

60–64

501

430

65–74

460

246

75–84

263

85+

106

← Male

Female →

Age summary

Group	Count	%
Under 18	3,332	24.1%
18 and over	10,490	75.9%
65 and over	1,604	11.6%
Median age	32.7 years

Race & ethnicity

Black or African American 34.4%

Hispanic or Latino 22.8%

Other race 18.9%

White 17.3%

Two or more races 5.4%

Asian 1.1%

American Indian / Alaska Native 0.1%

Group	Count	%
Black or African American	6,161	34.4%
Hispanic or Latino	4,080	22.8%
Other race	3,375	18.9%
White	3,104	17.3%
Two or more races	974	5.4%
Asian	197	1.1%
American Indian / Alaska Native	11	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	70.2%	43.6%	42.9%
$50k – $100k	21.5%	31.1%	32.7%
$100k – $200k	6.5%	21.2%	19.8%
Over $200k	1.8%	4.1%	4.5%

Under $10k 13.3%

$10k–$15k 10.1%

$15k–$25k 13.5%

$25k–$35k 13.5%

$35k–$50k 16.7%

$50k–$75k 12.7%

$75k–$100k 8.4%

$100k–$150k 9.6%

$150k–$200k 1.7%

$200k+ 0.6%

Range	% of households
Under $10k	13.3%
$10k–$15k	10.1%
$15k–$25k	13.5%
$25k–$35k	13.5%
$35k–$50k	16.7%
$50k–$75k	12.7%
$75k–$100k	8.4%
$100k–$150k	9.6%
$150k–$200k	1.7%
$200k+	0.6%
Median income	$34,806

Housing

Home values

Under $50k 13.1%

$50k–$100k 39.5%

$100k–$150k 18.6%

$150k–$200k 17.0%

$200k–$300k 8.7%

$300k–$500k 1.7%

$500k–$1M 1.5%

Housing overview

Metric	Value
Median home value	$97,500
Median rent / month	$832
Owner occupied	42.7%
Renter occupied	57.3%
Vacant	14.2%
Single-family detached	52.3%
Large apartment buildings	17.4%
Mobile homes	0.3%
Median rooms	4.9
Avg household size (owned)	3.10

Year built

Era	%
2020 or later	0.0%
2010–2019	1.6%
2000–2009	4.8%
1990–1999	5.8%
1980–1989	7.7%
1970–1979	6.1%
1960–1969	4.5%
1950–1959	8.4%
1940–1949	14.5%
1939 or earlier	46.7%

Bedrooms

Size	% of units
No bedroom (studio)	6.2%
1 bedroom	22.6%
2 bedrooms	24.6%
3 bedrooms	34.2%
4 bedrooms	9.9%
5+ bedrooms	2.5%

Vehicles per household

Vehicles	% of households
No vehicle	20.7%
1 vehicle	40.0%
2 vehicles	25.9%
3 or more	13.4%

Heating fuel

Fuel type	%
Utility gas	80.6%
Electricity	17.3%
Propane / LP gas	0.3%
Wood	0.2%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	1,267	23.8%
Cohabiting couple	569	10.7%
Male householder, no spouse	1,492	28.0%
Female householder, no spouse	2,001	37.5%
Households with children under 18	1,665	31.2%
Households with seniors (65+)	1,206	22.6%
Average household size	2.55

Marital status

Status	Male	Female
Never married	56.4%	48.2%
Married	26.3%	24.5%
Separated	4.9%	3.3%
Widowed	3.7%	12.3%
Divorced	8.7%	11.7%

Education

Less than 9th grade 7.4%

Some HS, no diploma 12.0%

HS graduate 41.1%

Some college, no degree 20.2%

Associate's degree 7.4%

Bachelor's degree 8.5%

Graduate / professional 3.2%

Metric	%
HS diploma or higher	80.6%
Bachelor's or higher	11.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	116	3.3%
Kindergarten	126	3.6%
Elementary school	1,389	40.1%
High school	969	27.9%
College / grad school	867	25.0%

Employment

Industry of employment

Education & healthcare 21.7%

Retail trade 15.3%

Manufacturing 14.6%

Arts, food & hospitality 10.6%

Construction 9.2%

Professional & management 7.9%

Transportation & utilities 6.7%

Other services 5.3%

Finance & real estate 4.1%

Public administration 2.7%

Wholesale trade 0.8%

Information 0.7%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	21.3%
Service	23.6%
Sales & office	19.4%
Natural resources & construction	9.7%
Production & transportation	25.9%

Employment type

Type	%
Private sector	87.2%
Government	7.9%
Self-employed	4.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	71.8%
Carpool	12.4%
Public transit	1.5%
Walk	2.2%
Work from home	8.7%
Other means	3.5%
Avg commute (minutes)	26.9

Poverty

All people 30.3%

Under 18 years 38.5%

18 and over 27.7%

Married-couple families 6.4%

Female-led households 60.7%

Income support

Source	% of households
Social Security	29.5%
Retirement income	16.0%
Supplemental Security	10.5%
Cash public assistance	5.0%
Food stamps / SNAP	31.8%

Health indicators

Condition	%
Obesity	48.4%
High blood pressure	39.6%
High cholesterol	29.1%
Diabetes	17.9%
Heart disease	7.5%
Stroke	4.7%
Asthma	12.3%
Arthritis	28.2%
Kidney disease	4.0%
Pulmonary disease	9.8%
Cancer	4.8%

Behavior / access	%
Smoking	27.4%
Binge drinking	14.0%
No physical activity	40.3%
Less than 7 hrs sleep	42.0%
Depression	20.5%
Fair or poor health	28.6%
Poor mental health	18.2%
Poor physical health	15.9%
No health insurance	25.7%
Visited doctor (checkup)	77.3%
Visited dentist	43.7%
Cholesterol screening	86.4%
Teeth loss	28.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	354	3.4%

Disability	%
Any disability	18.3%
Under 18	6.8%
18–64 years	15.8%
65 and over	55.6%

Health insurance coverage

Type	%
Private insurance	43.8%
Public insurance	49.9%
No insurance	15.4%
Uninsured under 19	5.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	13,151	95.1%
Spanish	1,688	12.8%
Other Indo-European	1,644	12.5%
Asian & Pacific Islander	44	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,980	86.7%
Born in same state	11,550	83.6%
Born in different state	4,825	34.9%
Foreign born	430	3.1%
Naturalized citizen	1,842	13.3%
Not a US citizen	567	30.8%

Ancestry

Ancestry	Count	%
Italian	337	2.4%
French	174	1.3%
Arab	173	1.3%
Irish	40	0.3%

Ancestry	Count	%
English	17	0.1%
Norwegian	8	0.1%
Polish	7	0.1%

Technology access

Metric	% of households
Computer access	38.6%
Internet access	85.5%

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

Frequently asked questions about ZIP code 46320

What city is ZIP code 46320 in?

ZIP code 46320 is primarily assigned to Hammond, Indiana.

What county is ZIP code 46320 in?

ZIP code 46320 falls within Lake County, Indiana.

What is the poverty rate in ZIP code 46320?

30% of residents in ZIP code 46320 live below the poverty line, above the national average.

Is ZIP code 46320 mostly rentals?

57% of occupied units in ZIP code 46320 are renter-occupied.

How educated is the population of ZIP code 46320?

12% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What are the health statistics for ZIP code 46320?

Health data for ZIP code 46320 shows elevated rates of obesity (48%) and diabetes (18%) and smoking (27%) compared to national benchmarks.

What timezone is ZIP code 46320 in?

ZIP code 46320 observes the CST timezone.