Carmel ZIP Codes — Hamilton County, IN

There are 3 unique ZIP codes in Carmel, Indiana. Area code: 317/463.
3
ZIP codes
42.77
sq mi land
0.90
sq mi water
317/463
area code
Carmel, IN ZIP code map

About Carmel, IN

Carmel, Indiana, is a vibrant suburban city located within Hamilton County. Known for its progressive development and strong community engagement, Carmel offers its residents a high quality of life and numerous amenities. With a rich blend of modern amenities and natural beauty, the city continues to attract both families and businesses alike.

Location & geography

Carmel is situated in Hamilton County and is located just north of Indianapolis, making it an appealing suburb for those who work in the state capital. Nearby cities include Fishers, approximately 10 miles to the east, Westfield about 6 miles to the north, and Zionsville roughly 10 miles to the southwest. The city spans a land area of 42.77 square miles and has 0.90 square miles of water, offering a diverse terrain for recreational activities.

Community & economy

The character of Carmel is defined by its commitment to community and the arts, evident in its numerous parks, art galleries, and cultural events. The local economy is bolstered by technology, healthcare, and retail industries, contributing to a thriving business environment. Daily life in Carmel is enriched by well-maintained neighborhoods, top-rated schools, and a variety of dining and shopping options.

Transportation

Carmel is conveniently accessible via several major highways, including U.S. Route 31 and Indiana State Road 37, making travel to Indianapolis and surrounding areas easy. The nearest airport is the Indianapolis International Airport, located approximately 30 minutes away, providing convenient options for both domestic and international travel. Public transit options include local bus services that connect residents to various parts of the city and beyond.

History

Carmel was founded in the 1830s and has developed into a thriving suburban city over the years. Key industries in the area have historically included agriculture and later expanded to include technology and healthcare. Notable events in the city's growth include its recognition as one of the best places to live in America, driven by its commitment to quality community development.

Did you know?

One surprising fact about Carmel is that it is home to the largest roundabout system in the United States, which has become a defining feature of its roadways. Additionally, the city's Arts & Design District showcases a blend of art galleries, boutiques, and studios, enhancing its cultural landscape.

ZIP codes for Carmel, IN (3)
ZIP code City County Map
46032 Carmel Hamilton View map
46033 Carmel Hamilton View map
46082 Carmel Hamilton View map

Demographics & statistics

91,109
Population
40.7
Median age
$133,090
Median household income
$72,314
Per capita income
$432,250
Median home value
$1,486
Median monthly rent
76.4%
Home ownership
3.4%
Poverty rate
2.6%
Unemployment
27,984
Housing units
73.1%
Bachelor's or higher

Age distribution

Male Female
2,243
Under 5
2,487
3,203
5–9
3,552
3,382
10–14
3,749
3,009
15–19
3,336
2,186
20–24
2,424
4,226
25–34
4,685
6,097
35–44
6,759
6,646
45–54
7,368
2,881
55–59
3,194
2,924
60–64
3,241
3,835
65–74
4,251
1,743
75–84
1,933
832
85+
923
← Male
Female →

Age summary

GroupCount%
Under 1822,83025.2%
18 and over68,27974.9%
65 and over13,51715.0%
Median age40.7 years

Race & ethnicity

White 77.9%
Asian 8.6%
Two or more races 5.1%
Hispanic or Latino 3.9%
Black or African American 3.3%
Other race 1.1%
American Indian / Alaska Native 0.1%
Native Hawaiian / Pacific Islander 0.1%
GroupCount%
White73,78677.9%
Asian8,1298.6%
Two or more races4,8095.1%
Hispanic or Latino3,6533.9%
Black or African American3,1483.3%
Other race1,0701.1%
American Indian / Alaska Native840.1%
Native Hawaiian / Pacific Islander830.1%

Household income

Under $10k 2.2%
$10k–$15k 0.7%
$15k–$25k 2.6%
$25k–$35k 2.4%
$35k–$50k 7.3%
$50k–$75k 12.1%
$75k–$100k 10.9%
$100k–$150k 16.5%
$150k–$200k 12.9%
$200k+ 32.6%
Range% of households
Under $10k2.2%
$10k–$15k0.7%
$15k–$25k2.6%
$25k–$35k2.4%
$35k–$50k7.3%
$50k–$75k12.1%
$75k–$100k10.9%
$100k–$150k16.5%
$150k–$200k12.9%
$200k+32.6%
Median income$133,090

Housing

Home values

Under $50k 0.9%
$50k–$100k 0.5%
$100k–$150k 1.4%
$150k–$200k 3.1%
$200k–$300k 14.4%
$300k–$500k 44.6%
$500k–$1M 28.8%
$1M+ 6.4%

Housing overview

MetricValue
Median home value$432,250
Median rent / month$1,486
Owner occupied76.4%
Renter occupied23.6%
Vacant5.0%
Single-family detached73.8%
Large apartment buildings7.2%
Mobile homes0.2%
Median rooms8.5
Avg household size (owned)2.83

Year built

Era%
2020 or later1.3%
2010–201918.3%
2000–200918.9%
1990–199925.3%
1980–198914.9%
1970–197914.0%
1960–19694.8%
1950–19591.5%
1940–19490.4%
1939 or earlier0.8%

Bedrooms

Size% of units
No bedroom (studio)1.7%
1 bedroom7.4%
2 bedrooms14.6%
3 bedrooms23.0%
4 bedrooms37.9%
5+ bedrooms15.5%

Vehicles per household

Vehicles% of households
No vehicle2.5%
1 vehicle25.0%
2 vehicles49.4%
3 or more23.2%

Heating fuel

Fuel type%
Utility gas66.7%
Electricity32.4%
Propane / LP gas0.8%

Households & families

Household typeCount%
Married-couple family22,63666.6%
Cohabiting couple1,3183.7%
Male householder, no spouse3,2288.8%
Female householder, no spouse7,62120.9%
Households with children under 1812,71737.0%
Households with seniors (65+)8,99726.1%
Average household size2.63

Marital status

StatusMaleFemale
Never married23.5%22.4%
Married70.2%61.3%
Separated0.4%1.0%
Widowed1.2%6.5%
Divorced4.9%8.9%

Education

Less than 9th grade 0.7%
Some HS, no diploma 1.1%
HS graduate 7.9%
Some college, no degree 11.8%
Associate's degree 5.5%
Bachelor's degree 41.8%
Graduate / professional 31.3%
Metric%
HS diploma or higher98.3%
Bachelor's or higher73.1%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool1,8777.7%
Kindergarten1,2475.1%
Elementary school10,78744.8%
High school6,09125.1%
College / grad school4,22717.3%

Employment

Industry of employment

Education & healthcare 24.5%
Professional & management 18.3%
Manufacturing 12.2%
Finance & real estate 11.0%
Retail trade 8.7%
Arts, food & hospitality 7.4%
Wholesale trade 3.8%
Construction 3.6%
Other services 3.5%
Transportation & utilities 3.0%
Public administration 2.4%
Information 1.6%
Agriculture & mining 0.3%

Occupation

Category%
Management, business & arts65.3%
Service8.6%
Sales & office18.4%
Natural resources & construction2.4%
Production & transportation5.4%

Employment type

Type%
Private sector86.5%
Government8.8%
Self-employed4.7%
Unpaid family workers0.1%

Commute

Method%
Drive alone71.5%
Carpool5.0%
Public transit0.1%
Walk1.7%
Other means1.1%
Avg commute (minutes)24.7

Poverty

All people 3.4%
Under 18 years 3.7%
18 and over 3.2%
Married-couple families 1.1%
Female-led households 12.5%

Income support

Source% of households
Social Security23.6%
Retirement income20.8%
Supplemental Security1.2%
Cash public assistance0.6%
Food stamps / SNAP1.1%

Health indicators

Condition%
High blood pressure26.6%
High cholesterol30.4%
Heart disease4.7%
Stroke2.0%
Asthma8.5%
Arthritis21.0%
Kidney disease2.2%
Pulmonary disease4.4%
Cancer6.4%
Behavior / access%
Binge drinking16.2%
No physical activity15.2%
Less than 7 hrs sleep26.2%
Fair or poor health8.7%
Poor mental health11.9%
Poor physical health7.1%
No health insurance7.4%
Visited doctor (checkup)75.3%
Visited dentist77.7%
Cholesterol screening92.9%
Teeth loss7.3%

Veterans & disability

VeteransCount%
Civilian veterans2,8054.2%
Disability%
Any disability6.1%
Under 182.0%
18–64 years3.9%
65 and over22.4%

Health insurance coverage

Type%
Private insurance88.9%
Public insurance17.5%
Uninsured under 192.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only86,37994.9%
Spanish3,4184.0%
Other Indo-European8301.0%
Asian & Pacific Islander7180.8%
Other languages1,4541.7%

Place of birth & citizenship

OriginCount%
Native born (US)80,09388.0%
Born in same state79,07586.9%
Born in different state46,56851.2%
Foreign born1,0181.1%
Naturalized citizen11,01612.0%
Not a US citizen6,47958.8%

Ancestry

AncestryCount%
French14,85116.3%
Italian11,93413.1%
Arab4,5345%
Polish1,3051.4%
English8791%
AncestryCount%
German2980.3%
Norwegian2680.3%
Irish2140.2%
Dutch1050.1%

Technology access

Metric% of households
Computer access38.0%
Internet access98.5%

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

Frequently asked questions
What ZIP codes does Carmel, IN have?
Carmel, IN has two ZIP codes: 46032 and 46033. Each ZIP code serves a distinct delivery area within the city and surrounding region.
Need the complete Indiana ZIP code database? Download all IN ZIP codes — Excel, CSV, or Access. Includes lat/lng, county FIPS & timezone.
Download database →