46228 ZIP Code — Indianapolis, IN

Marion County, Indiana

ZIP code 46228 is located in Indianapolis, Indiana, within Marion County. It covers approximately 7.92 square miles and serves a population of 16,397 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 317.

About ZIP code 46228

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $219,300. Owner-occupancy is high at 81%, well above the national average.

Median household income is $85,272. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

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.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 46228 reflects a community defined by high homeownership and a significant Social Security-dependent population.

16,397

population

7.92

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

46228 ZIP code map

Cities in ZIP code 46228

Below are the cities the US Postal Service accepts for ZIP code 46228. Using any city not on this list may result in mail delivery delays.

City	Status
Indianapolis	Acceptable
Indianapolis	Preferred

Nearby ZIP codes

46208 Indianapolis (1.5 mi) 46260 Indianapolis (3.3 mi) 46254 Indianapolis (3.7 mi) 46282 Indianapolis (3.8 mi) 46205 Indianapolis (3.9 mi) 46268 Indianapolis (3.9 mi) 46222 Indianapolis (4 mi) 46213 Indianapolis (4.1 mi) 46224 Indianapolis (4.8 mi) 46202 Indianapolis (4.9 mi) 46220 Indianapolis (5.2 mi) 46204 Indianapolis (5.5 mi)

Demographics updated 05/2026

Population
Total population	16,397
Population density	2,070 / sq mi
State FIPS	18
County FIPS	097

Geography
Land area	7.92 sq mi
Water area	0.06 sq mi
Latitude	39.8476
Longitude	-86.1959
Timezone	Eastern (ET)
Area code	317

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.8%	48.4%	42.9%
$50k – $100k	42.0%	29.9%	32.7%
$100k – $200k	21.3%	17.1%	19.8%
Over $200k	6.9%	4.6%	4.5%

Demographics & statistics

16,397

Population

2,070

People per sq mi

37.6

Median age

$85,272

Median household income

$39,234

Per capita income

$219,300

Median home value

$1,171

Median monthly rent

81.1%

Home ownership

12.2%

Poverty rate

5.1%

Unemployment

4,960

Housing units

46.1%

Bachelor's or higher

Age distribution

Male Female

364

Under 5

356

446

5–9

436

698

10–14

684

481

15–19

472

699

20–24

685

1,131

25–34

1,107

1,012

35–44

992

975

45–54

954

627

55–59

615

597

60–64

585

780

65–74

764

404

75–84

396

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	3,519	21.5%
18 and over	12,878	78.5%
65 and over	2,481	15.1%
Median age	37.6 years

Race & ethnicity

White 40.9%

Black or African American 40.6%

Asian 5.8%

Two or more races 5.7%

Hispanic or Latino 3.7%

Other race 3.2%

American Indian / Alaska Native 0.1%

Group	Count	%
White	6,967	40.9%
Black or African American	6,914	40.6%
Asian	981	5.8%
Two or more races	976	5.7%
Hispanic or Latino	637	3.7%
Other race	547	3.2%
American Indian / Alaska Native	12	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	29.8%	48.4%	42.9%
$50k – $100k	42.0%	29.9%	32.7%
$100k – $200k	21.3%	17.1%	19.8%
Over $200k	6.9%	4.6%	4.5%

Under $10k 4.6%

$10k–$15k 2.3%

$15k–$25k 3.9%

$25k–$35k 4.2%

$35k–$50k 12.5%

$50k–$75k 17.3%

$75k–$100k 14.4%

$100k–$150k 25.1%

$150k–$200k 7.5%

$200k+ 8.4%

Range	% of households
Under $10k	4.6%
$10k–$15k	2.3%
$15k–$25k	3.9%
$25k–$35k	4.2%
$35k–$50k	12.5%
$50k–$75k	17.3%
$75k–$100k	14.4%
$100k–$150k	25.1%
$150k–$200k	7.5%
$200k+	8.4%
Median income	$85,272

Housing

Home values

Under $50k 1.6%

$50k–$100k 3.7%

$100k–$150k 12.2%

$150k–$200k 23.1%

$200k–$300k 41.4%

$300k–$500k 10.7%

$500k–$1M 4.9%

$1M+ 2.3%

Housing overview

Metric	Value
Median home value	$219,300
Median rent / month	$1,171
Owner occupied	81.1%
Renter occupied	18.9%
Vacant	5.2%
Single-family detached	83.6%
Large apartment buildings	4.7%
Mobile homes	0.0%
Median rooms	6.7
Avg household size (owned)	2.93

Year built

Era	%
2020 or later	0.3%
2010–2019	2.6%
2000–2009	3.8%
1990–1999	15.9%
1980–1989	9.8%
1970–1979	10.8%
1960–1969	24.6%
1950–1959	22.5%
1940–1949	2.2%
1939 or earlier	7.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.2%
1 bedroom	5.9%
2 bedrooms	14.5%
3 bedrooms	51.2%
4 bedrooms	21.9%
5+ bedrooms	6.3%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	28.5%
2 vehicles	42.6%
3 or more	26.0%

Heating fuel

Fuel type	%
Utility gas	67.7%
Electricity	29.9%
Propane / LP gas	1.3%
Solar	0.3%

Households & families

Household type	Count	%
Married-couple family	2,441	42.6%
Cohabiting couple	493	8.6%
Male householder, no spouse	789	13.8%
Female householder, no spouse	2,008	35.0%
Households with children under 18	1,493	26.1%
Households with seniors (65+)	2,026	35.4%
Average household size	2.85

Marital status

Status	Male	Female
Never married	46.9%	30.8%
Married	39.3%	43.7%
Separated	1.2%	1.3%
Widowed	3.0%	8.4%
Divorced	9.5%	15.8%

Education

Less than 9th grade 4.3%

Some HS, no diploma 5.3%

HS graduate 19.8%

Some college, no degree 17.7%

Associate's degree 6.7%

Bachelor's degree 29.2%

Graduate / professional 17.0%

Metric	%
HS diploma or higher	90.3%
Bachelor's or higher	46.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	235	5.4%
Kindergarten	47	1.1%
Elementary school	1,955	44.6%
High school	1,106	25.2%
College / grad school	1,043	23.8%

Employment

Industry of employment

Education & healthcare 23.6%

Retail trade 14.6%

Professional & management 12.7%

Manufacturing 12.0%

Finance & real estate 8.0%

Transportation & utilities 6.5%

Arts, food & hospitality 5.6%

Construction 4.5%

Wholesale trade 3.4%

Public administration 3.3%

Other services 3.2%

Information 2.2%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	46.6%
Service	10.1%
Sales & office	17.5%
Natural resources & construction	5.9%
Production & transportation	19.8%

Employment type

Type	%
Private sector	82.9%
Government	9.1%
Self-employed	7.8%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	76.5%
Carpool	7.1%
Public transit	0.1%
Walk	0.5%
Work from home	15.5%
Other means	0.3%
Avg commute (minutes)	23.5

Poverty

All people 12.2%

Under 18 years 19.7%

18 and over 10.1%

Married-couple families 3.8%

Female-led households 11.2%

Income support

Source	% of households
Social Security	34.2%
Retirement income	31.6%
Supplemental Security	4.7%
Cash public assistance	1.7%
Food stamps / SNAP	7.4%

Health indicators

Condition	%
Obesity	38.5%
High blood pressure	39.6%
High cholesterol	32.7%
Diabetes	13.6%
Heart disease	6.6%
Stroke	3.7%
Asthma	11.1%
Arthritis	24.4%
Kidney disease	3.4%
Pulmonary disease	7.0%
Cancer	6.2%

Behavior / access	%
Smoking	18.7%
Binge drinking	15.3%
No physical activity	27.2%
Less than 7 hrs sleep	37.7%
Depression	20.8%
Fair or poor health	17.0%
Poor mental health	14.7%
Poor physical health	11.0%
No health insurance	13.3%
Visited doctor (checkup)	77.3%
Visited dentist	63.5%
Cholesterol screening	91.1%
Teeth loss	17.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	694	5.4%

Disability	%
Any disability	9.3%
Under 18	4.1%
18–64 years	8.0%
65 and over	22.5%

Health insurance coverage

Type	%
Private insurance	68.1%
Public insurance	37.2%
No insurance	5.6%
Uninsured under 19	5.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	15,677	95.6%
Spanish	991	6.3%
Other Indo-European	202	1.3%
Asian & Pacific Islander	236	1.5%
Other languages	513	3.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,446	88.1%
Born in same state	13,911	84.8%
Born in different state	9,771	59.6%
Foreign born	535	3.3%
Naturalized citizen	1,951	11.9%
Not a US citizen	984	50.4%

Ancestry

Ancestry	Count	%
Italian	1,303	7.9%
French	1,206	7.4%
Arab	910	5.5%
Polish	170	1%
German	56	0.3%

Ancestry	Count	%
English	55	0.3%
Dutch	38	0.2%
Irish	30	0.2%
Norwegian	26	0.2%

Technology access

Metric	% of households
Computer access	35.0%
Internet access	97.4%

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

Frequently asked questions about ZIP code 46228

What city is ZIP code 46228 in?

ZIP code 46228 is primarily assigned to Indianapolis, Indiana.

What county is ZIP code 46228 in?

ZIP code 46228 falls within Marion County, Indiana.

Is ZIP code 46228 mostly owner-occupied?

81% of occupied units in ZIP code 46228 are owner-occupied, well above the national average.

How educated is the population of ZIP code 46228?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the population of ZIP code 46228?

ZIP code 46228 has an estimated population of 16,397 residents, with a density of 2,070 people per square mile.

What is the typical home value in ZIP code 46228?

The median home value in ZIP code 46228 is $219,300.

What timezone is ZIP code 46228 in?

ZIP code 46228 observes the EST timezone.