Carmel ZIP Code List — Hamilton County, IN

There are 3 unique ZIP codes in Carmel, Indiana. Area code: 317/463.

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

Group	Count	%
Under 18	22,830	25.2%
18 and over	68,279	74.9%
65 and over	13,517	15.0%
Median age	40.7 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%

Group	Count	%
White	73,786	77.9%
Asian	8,129	8.6%
Two or more races	4,809	5.1%
Hispanic or Latino	3,653	3.9%
Black or African American	3,148	3.3%
Other race	1,070	1.1%
American Indian / Alaska Native	84	0.1%
Native Hawaiian / Pacific Islander	83	0.1%

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 $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%
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

Metric	Value
Median home value	$432,250
Median rent / month	$1,486
Owner occupied	76.4%
Renter occupied	23.6%
Vacant	5.0%
Single-family detached	73.8%
Large apartment buildings	7.2%
Mobile homes	0.2%
Median rooms	8.5
Avg household size (owned)	2.83

Year built

Era	%
2020 or later	1.3%
2010–2019	18.3%
2000–2009	18.9%
1990–1999	25.3%
1980–1989	14.9%
1970–1979	14.0%
1960–1969	4.8%
1950–1959	1.5%
1940–1949	0.4%
1939 or earlier	0.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.7%
1 bedroom	7.4%
2 bedrooms	14.6%
3 bedrooms	23.0%
4 bedrooms	37.9%
5+ bedrooms	15.5%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	25.0%
2 vehicles	49.4%
3 or more	23.2%

Heating fuel

Fuel type	%
Utility gas	66.7%
Electricity	32.4%
Propane / LP gas	0.8%

Households & families

Household type	Count	%
Married-couple family	22,636	66.6%
Cohabiting couple	1,318	3.7%
Male householder, no spouse	3,228	8.8%
Female householder, no spouse	7,621	20.9%
Households with children under 18	12,717	37.0%
Households with seniors (65+)	8,997	26.1%
Average household size	2.63

Marital status

Status	Male	Female
Never married	23.5%	22.4%
Married	70.2%	61.3%
Separated	0.4%	1.0%
Widowed	1.2%	6.5%
Divorced	4.9%	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 higher	98.3%
Bachelor's or higher	73.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1,877	7.7%
Kindergarten	1,247	5.1%
Elementary school	10,787	44.8%
High school	6,091	25.1%
College / grad school	4,227	17.3%

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 & arts	65.3%
Service	8.6%
Sales & office	18.4%
Natural resources & construction	2.4%
Production & transportation	5.4%

Employment type

Type	%
Private sector	86.5%
Government	8.8%
Self-employed	4.7%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	71.5%
Carpool	5.0%
Public transit	0.1%
Walk	1.7%
Other means	1.1%
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 Security	23.6%
Retirement income	20.8%
Supplemental Security	1.2%
Cash public assistance	0.6%
Food stamps / SNAP	1.1%

Health indicators

Condition	%
High blood pressure	26.6%
High cholesterol	30.4%
Heart disease	4.7%
Stroke	2.0%
Asthma	8.5%
Arthritis	21.0%
Kidney disease	2.2%
Pulmonary disease	4.4%
Cancer	6.4%

Behavior / access	%
Binge drinking	16.2%
No physical activity	15.2%
Less than 7 hrs sleep	26.2%
Fair or poor health	8.7%
Poor mental health	11.9%
Poor physical health	7.1%
No health insurance	7.4%
Visited doctor (checkup)	75.3%
Visited dentist	77.7%
Cholesterol screening	92.9%
Teeth loss	7.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,805	4.2%

Disability	%
Any disability	6.1%
Under 18	2.0%
18–64 years	3.9%
65 and over	22.4%

Health insurance coverage

Type	%
Private insurance	88.9%
Public insurance	17.5%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	86,379	94.9%
Spanish	3,418	4.0%
Other Indo-European	830	1.0%
Asian & Pacific Islander	718	0.8%
Other languages	1,454	1.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	80,093	88.0%
Born in same state	79,075	86.9%
Born in different state	46,568	51.2%
Foreign born	1,018	1.1%
Naturalized citizen	11,016	12.0%
Not a US citizen	6,479	58.8%

Ancestry

Ancestry	Count	%
French	14,851	16.3%
Italian	11,934	13.1%
Arab	4,534	5%
Polish	1,305	1.4%
English	879	1%

Ancestry	Count	%
German	298	0.3%
Norwegian	268	0.3%
Irish	214	0.2%
Dutch	105	0.1%

Technology access

Metric	% of households
Computer access	38.0%
Internet access	98.5%

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

Frequently asked questions

What ZIP codes does Carmel, IN have?

Carmel, IN has 2 ZIP codes: 46032, 46033. Each ZIP code serves a distinct delivery area within the city and surrounding region.

What is the main ZIP code for Carmel, IN?

The primary ZIP code for Carmel, IN is 46032. The city uses area code 317 or 463 for phone service.

What county is Carmel, IN in?

Carmel is located in Hamilton County, Indiana.

How many ZIP codes are in Carmel, IN?

Carmel, IN has 2 ZIP codes.

What ZIP code covers the Carmel Arts & Design District downtown area?

The Carmel Arts & Design District in downtown Carmel is primarily located in the 46032 ZIP code, which encompasses the historic core of the city along the Arts Plaza.

Which ZIP code includes the Carmel Dunes area and northern residential neighborhoods?

The 46033 ZIP code covers much of the northern and western sections of Carmel, including many of the newer residential developments and the Dunes area.