46321 ZIP Code — Munster, IN

Lake County, Indiana

ZIP code 46321 is located in Munster, Indiana, within Lake County. It covers approximately 7.59 square miles and serves a population of 23,731 residents. This is a po box ZIP code in the Central (CT) timezone, served by area code 219.

About ZIP code 46321

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $282,200. Owner-occupancy is high at 87%, well above the national average.

The gap between median ($101,851) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 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 29 minutes is near the national average.

Educational attainment is high — 48% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 46321 reflects a community defined by high homeownership and a significant Social Security-dependent population.

23,731

population

7.59

sq mi land

PO Box

ZIP type

Central (CT)

timezone

46321 ZIP code map

Cities in ZIP code 46321

Below are the cities the US Postal Service accepts for ZIP code 46321. Using any city not on this list may result in mail delivery delays.

City	Status
Munster	Acceptable
Munster	Preferred

Nearby ZIP codes

46324 Hammond (2.4 mi) 46322 Highland (2.4 mi) 60438 Lansing (2.9 mi) 46323 Hammond (3.6 mi) 46319 Griffith (4.6 mi) 60409 Calumet City (5 mi) 46375 Schererville (5.3 mi) 60476 Thornton (5.3 mi) 60411 Chicago Heights (5.6 mi) 60425 Glenwood (5.6 mi) 60473 South Holland (6.1 mi) 46327 Hammond (6.1 mi)

Demographics updated 05/2026

Population
Total population	23,731
Population density	3,127 / sq mi
State FIPS	18
County FIPS	089

Geography
Land area	7.59 sq mi
Water area	0.09 sq mi
Latitude	41.5505
Longitude	-87.5030
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	26.3%	43.6%	42.9%
$50k – $100k	28.4%	31.1%	32.7%
$100k – $200k	32.4%	21.2%	19.8%
Over $200k	12.8%	4.1%	4.5%

Demographics & statistics

23,731

Population

3,127

People per sq mi

45.6

Median age

$101,851

Median household income

$53,245

Per capita income

$282,200

Median home value

$1,230

Median monthly rent

86.5%

Home ownership

7.3%

Poverty rate

3.9%

Unemployment

8,515

Housing units

47.8%

Bachelor's or higher

Age distribution

Male Female

529

Under 5

561

625

5–9

663

531

10–14

564

782

15–19

830

763

20–24

809

1,042

25–34

1,105

1,388

35–44

1,472

1,810

45–54

1,919

1,012

55–59

1,073

748

60–64

793

1,204

65–74

1,277

722

75–84

766

361

85+

382

← Male

Female →

Age summary

Group	Count	%
Under 18	4,495	18.9%
18 and over	19,236	81.1%
65 and over	4,712	19.9%
Median age	45.6 years

Race & ethnicity

White 71.4%

Hispanic or Latino 7.4%

Two or more races 6.3%

Asian 6.1%

Black or African American 5.6%

Other race 2.4%

American Indian / Alaska Native 0.8%

Group	Count	%
White	18,290	71.4%
Hispanic or Latino	1,891	7.4%
Two or more races	1,624	6.3%
Asian	1,557	6.1%
Black or African American	1,437	5.6%
Other race	608	2.4%
American Indian / Alaska Native	215	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.3%	43.6%	42.9%
$50k – $100k	28.4%	31.1%	32.7%
$100k – $200k	32.4%	21.2%	19.8%
Over $200k	12.8%	4.1%	4.5%

Under $10k 5.2%

$10k–$15k 1.0%

$15k–$25k 3.6%

$25k–$35k 5.7%

$35k–$50k 10.2%

$50k–$75k 11.1%

$75k–$100k 12.2%

$100k–$150k 22.0%

$150k–$200k 14.8%

$200k+ 14.3%

Range	% of households
Under $10k	5.2%
$10k–$15k	1.0%
$15k–$25k	3.6%
$25k–$35k	5.7%
$35k–$50k	10.2%
$50k–$75k	11.1%
$75k–$100k	12.2%
$100k–$150k	22.0%
$150k–$200k	14.8%
$200k+	14.3%
Median income	$101,851

Housing

Home values

Under $50k 2.2%

$50k–$100k 1.7%

$100k–$150k 6.7%

$150k–$200k 10.6%

$200k–$300k 34.2%

$300k–$500k 32.9%

$500k–$1M 10.4%

$1M+ 1.4%

Housing overview

Metric	Value
Median home value	$282,200
Median rent / month	$1,230
Owner occupied	86.5%
Renter occupied	13.5%
Vacant	4.8%
Single-family detached	76.9%
Large apartment buildings	3.3%
Mobile homes	0.0%
Median rooms	6.5
Avg household size (owned)	2.62

Year built

Era	%
2020 or later	0.0%
2010–2019	3.5%
2000–2009	9.6%
1990–1999	9.8%
1980–1989	7.2%
1970–1979	23.5%
1960–1969	19.3%
1950–1959	17.1%
1940–1949	7.3%
1939 or earlier	2.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	3.5%
2 bedrooms	19.7%
3 bedrooms	45.5%
4 bedrooms	24.7%
5+ bedrooms	6.1%

Vehicles per household

Vehicles	% of households
No vehicle	4.6%
1 vehicle	29.7%
2 vehicles	44.9%
3 or more	20.8%

Heating fuel

Fuel type	%
Utility gas	88.1%
Electricity	11.0%
Propane / LP gas	0.5%
Fuel oil	0.4%

Households & families

Household type	Count	%
Married-couple family	5,396	58.0%
Cohabiting couple	272	2.9%
Male householder, no spouse	1,558	16.8%
Female householder, no spouse	2,070	22.3%
Households with children under 18	2,447	26.3%
Households with seniors (65+)	3,140	33.8%
Average household size	2.51

Marital status

Status	Male	Female
Never married	29.1%	29.2%
Married	57.6%	52.0%
Separated	1.4%	0.5%
Widowed	4.5%	10.3%
Divorced	7.4%	8.0%

Education

Less than 9th grade 1.4%

Some HS, no diploma 2.1%

HS graduate 24.7%

Some college, no degree 15.3%

Associate's degree 8.7%

Bachelor's degree 30.5%

Graduate / professional 17.3%

Metric	%
HS diploma or higher	96.5%
Bachelor's or higher	47.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	351	6.4%
Kindergarten	381	6.9%
Elementary school	1,774	32.3%
High school	1,355	24.7%
College / grad school	1,634	29.7%

Employment

Industry of employment

Education & healthcare 27.5%

Manufacturing 13.5%

Professional & management 9.2%

Transportation & utilities 9.0%

Finance & real estate 8.4%

Arts, food & hospitality 7.5%

Retail trade 6.5%

Construction 6.3%

Other services 3.6%

Wholesale trade 3.0%

Public administration 2.8%

Information 2.6%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	51.0%
Service	11.7%
Sales & office	19.4%
Natural resources & construction	7.2%
Production & transportation	10.6%

Employment type

Type	%
Private sector	86.9%
Government	10.0%
Self-employed	3.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.5%
Carpool	5.8%
Public transit	3.2%
Walk	1.1%
Work from home	10.4%
Other means	1.0%
Avg commute (minutes)	29.0

Poverty

All people 7.3%

Under 18 years 9.7%

18 and over 6.8%

Married-couple families 2.7%

Female-led households 8.9%

Income support

Source	% of households
Social Security	33.8%
Retirement income	26.4%
Supplemental Security	4.1%
Cash public assistance	0.7%
Food stamps / SNAP	1.5%

Health indicators

Condition	%
Obesity	32.3%
High blood pressure	32.3%
High cholesterol	32.3%
Diabetes	10.6%
Heart disease	6.6%
Stroke	2.8%
Asthma	8.7%
Arthritis	27.7%
Kidney disease	2.8%
Pulmonary disease	6.2%
Cancer	7.9%

Behavior / access	%
Smoking	13.9%
Binge drinking	15.8%
No physical activity	22.2%
Less than 7 hrs sleep	30.5%
Depression	18.0%
Fair or poor health	12.4%
Poor mental health	12.2%
Poor physical health	9.2%
No health insurance	10.8%
Visited doctor (checkup)	77.0%
Visited dentist	70.6%
Cholesterol screening	92.6%
Teeth loss	10.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,358	7.1%

Disability	%
Any disability	12.6%
Under 18	3.6%
18–64 years	10.0%
65 and over	29.9%

Health insurance coverage

Type	%
Private insurance	81.8%
Public insurance	26.3%
No insurance	3.5%
Uninsured under 19	4.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	22,641	95.4%
Spanish	849	3.7%
Other Indo-European	269	1.2%
Asian & Pacific Islander	304	1.3%
Other languages	263	1.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	21,423	90.3%
Born in same state	21,148	89.1%
Born in different state	11,896	50.1%
Foreign born	275	1.2%
Naturalized citizen	2,308	9.7%
Not a US citizen	1,678	72.7%

Ancestry

Ancestry	Count	%
Italian	2,869	12.1%
French	1,396	5.9%
English	889	3.7%
Arab	645	2.7%
Irish	339	1.4%

Ancestry	Count	%
Norwegian	237	1%
Polish	125	0.5%
German	46	0.2%
Dutch	33	0.1%

Technology access

Metric	% of households
Computer access	39.2%
Internet access	94.1%

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

Frequently asked questions about ZIP code 46321

What city is ZIP code 46321 in?

ZIP code 46321 is primarily assigned to Munster, Indiana.

What county is ZIP code 46321 in?

ZIP code 46321 falls within Lake County, Indiana.

Is ZIP code 46321 mostly owner-occupied?

87% of occupied units in ZIP code 46321 are owner-occupied, well above the national average.

How educated is the population of ZIP code 46321?

48% 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 46321?

ZIP code 46321 has an estimated population of 23,731 residents, with a density of 3,125 people per square mile.

What is the median household income in ZIP code 46321?

The median household income in ZIP code 46321 is $101,851, above the national median of ~$75,000.

What timezone is ZIP code 46321 in?

ZIP code 46321 observes the CST timezone.