Zip code 46032: Carmel, Indiana

Q: What city is zip code 46032?

46032 is assigned to Carmel, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 46032 in?

46032 is in Hamilton County, Indiana.

Q: What is the population of 46032?

About 51,515 people live in 46032, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 46032?

The median household income in 46032 is $132,085.

Q: What zip codes are near 46032?

The closest zip codes to 46032 are 46288, 46290, 46280, 46033, 46260.

Residential delivery areaHamilton CountyEastern Time

Population

51,515

Median household income

$132K

U.S. $81K

Median home value

$497K

U.S. $333K

Median rent

$1,642/mo

U.S. $1,413

Median age

39.9

U.S. 38.9

Land area

25 sq mi

2,032 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 46032

46032 is a suburban zip code in Carmel, Indiana (Hamilton County), covering 25 sq mi of land. About 51,515 people live here, or 2,032 per square mile. The median resident is 39.9 years old, compared with 38.9 nationally.

The median household earns $132,085 a year, 64% above the national median of $80,734. 4.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $496,800, or 3.8 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 67% of occupied homes are lived in by their owners, and renters pay a median of $1,642 a month.

76% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 23.8 minutes each way, and 27% of workers work from home. The most common jobs among working residents are in management; business and finance; and healthcare.

How 46032 compares

Sorted from highest to lowest national percentile

Bachelor's degree or higher75.5%
97th
StrengthU.S. 35.7% · IN 29.5%4th of 744 in IN
Per capita income$78,612
95th
StrengthU.S. $44,673 · IN $38,3513rd of 744 in IN
Median earnings per worker$82,181
94th
StrengthU.S. $49,666 · IN $46,6095th of 740 in IN
Broadband access97.1%
93rd
StrengthU.S. 91% · IN 89.9%37th of 742 in IN
Work from home27.4%
91st
U.S. 15.1% · IN 10.7%14th of 745 in IN
Median household income$132,085
90th
StrengthU.S. $80,734 · IN $71,95712th of 719 in IN
Tech workers6.2%
87th
U.S. 3.8% · IN 2.5%28th of 745 in IN
Healthcare workers12.7%
86th
U.S. 9.7% · IN 9.8%128th of 745 in IN
Income inequality (Gini)0.484
83rd
WeaknessU.S. 0.483 · IN 0.45250th of 740 in IN
Population51,515
82nd
U.S. 334,922,499 · IN 6,851,0735th of 745 in IN
Median home value$496,800
75th
U.S. $332,700 · IN $218,2003rd of 719 in IN
Self-employed workers11.7%
75th
U.S. 10% · IN 8%151st of 745 in IN
Median gross rent$1,642
64th
U.S. $1,413 · IN $1,06219th of 640 in IN
Residents under 1823.7%
64th
U.S. 22% · IN 23.3%310th of 745 in IN
Foreign-born residents13.9%
62nd
U.S. 14.1% · IN 6.3%24th of 745 in IN
Population density2,032/sq mi
57th
U.S. 95/sq mi · IN 191/sq mi77th of 745 in IN
Median age39.9
56th
U.S. 38.9 · IN 38.1410th of 745 in IN
Housing vacancy7.4%
56th
U.S. 10.1% · IN 8.8%402nd of 742 in IN
Homeownership rate66.5%
45th
U.S. 65.2% · IN 70.6%624th of 742 in IN
Average commute23.8 min
35th
U.S. 26.4 min · IN 24.1 min475th of 726 in IN
Residents 65 and older14.6%
35th
U.S. 17.2% · IN 16.8%541st of 745 in IN
Diversity index38.8
34th
U.S. 61.4 · IN 41.4129th of 745 in IN
Uninsured rate3.7%
19th
StrengthU.S. 8.4% · IN 7.4%558th of 745 in IN
Rent-burdened renters40.8%
18th
StrengthU.S. 51.1% · IN 48.1%390th of 716 in IN
Veterans3.2%
17th
U.S. 6.2% · IN 6.3%680th of 745 in IN
Unemployment rate2.9%
15th
StrengthU.S. 5.2% · IN 4.3%430th of 745 in IN
Poverty rate4.9%
11th
StrengthU.S. 12.5% · IN 12.3%622nd of 742 in IN
Government workers7.9%
7th
U.S. 14.5% · IN 11.7%586th of 745 in IN

Measure	46032	Hamilton	IN	U.S.	National percentile	Rank in IN
Bachelor's degree or higherStrength	75.5%	61.9%	29.5%	35.7%	97th	4th of 744
Per capita incomeStrength	$78,612	$60,278	$38,351	$44,673	95th	3rd of 744
Median earnings per workerStrength	$82,181	$67,825	$46,609	$49,666	94th	5th of 740
Broadband accessStrength	97.1%	96.3%	89.9%	91%	93rd	37th of 742
Work from home	27.4%	23.3%	10.7%	15.1%	91st	14th of 745
Median household incomeStrength	$132,085	$121,530	$71,957	$80,734	90th	12th of 719
Tech workers	6.2%	5.4%	2.5%	3.8%	87th	28th of 745
Healthcare workers	12.7%	11.3%	9.8%	9.7%	86th	128th of 745
Income inequality (Gini)Weakness	0.484	0.433	0.452	0.483	83rd	50th of 740
Population	51,515	365,056	6,851,073	334,922,499	82nd	5th of 745
Median home value	$496,800	$405,500	$218,200	$332,700	75th	3rd of 719
Self-employed workers	11.7%	9.1%	8%	10%	75th	151st of 745
Median gross rent	$1,642	$1,574	$1,062	$1,413	64th	19th of 640
Residents under 18	23.7%	25.4%	23.3%	22%	64th	310th of 745
Foreign-born residents	13.9%	10.3%	6.3%	14.1%	62nd	24th of 745
Population density	2,032/sq mi	926/sq mi	191/sq mi	95/sq mi	57th	77th of 745
Median age	39.9	38.4	38.1	38.9	56th	410th of 745
Housing vacancy	7.4%	5.2%	8.8%	10.1%	56th	402nd of 742
Homeownership rate	66.5%	76.1%	70.6%	65.2%	45th	624th of 742
Average commute	23.8 min	25.9 min	24.1 min	26.4 min	35th	475th of 726
Residents 65 and older	14.6%	13.9%	16.8%	17.2%	35th	541st of 745
Diversity index	38.8	37	41.4	61.4	34th	129th of 745
Uninsured rateStrength	3.7%	4.1%	7.4%	8.4%	19th	558th of 745
Rent-burdened rentersStrength	40.8%	42.3%	48.1%	51.1%	18th	390th of 716
Veterans	3.2%	4.8%	6.3%	6.2%	17th	680th of 745
Unemployment rateStrength	2.9%	2.8%	4.3%	5.2%	15th	430th of 745
Poverty rateStrength	4.9%	4.4%	12.3%	12.5%	11th	622nd of 742
Government workers	7.9%	10.2%	11.7%	14.5%	7th	586th of 745

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

18%

5–17

18–24

12%

25–34

13%

35–44

14%

45–54

14%

55–64

65–74

75+

Median age

39.9

Under 18

23.7%

65 and over

14.6%

Race and ethnicity

White77%
Black4%
Hispanic5%
Asian10%
Native American0.0%
Pacific Islander0.0%
Other0.4%
Multiracial3%

Diversity index

38.8

U.S. 61.4

Foreign-born

13.9%

U.S. 14.1%

Born in state

49.9%

Language spoken at home (households)

English only

84%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 20,557
Average household size: 2.5
Family households: 67.4%
Married couples: 56.9%
Living alone: 26.3%
Veterans (of adults): 3.2%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

$25–50k

11%

$50–75k

12%

$75–100k

10%

$100–150k

17%

$150–200k

11%

$200k+

34%

Median household income

46032

$132,085

Hamilton Co.

$121,530

Indiana

$71,957

United States

$80,734

Per capita income

$78,612

U.S. $44,673

Poverty rate

4.9%

U.S. 12.5%

Households earning $150K+

44.9%

U.S. 23%

Income inequality (Gini)

0.484

U.S. 0.483

Housing

Median home value

46032

$496,800

Hamilton Co.

$405,500

Indiana

$218,200

United States

$332,700

Median gross rent

46032

$1,642

Hamilton Co.

$1,574

Indiana

$1,062

United States

$1,413

Types of housing

Single-family

65%

2–4 units

5–19 units

15%

20+ units

15%

Mobile home

0.4%

Boat, RV, van

Housing units: 22,194
Owner-occupied: 66.5%
Vacant: 7.4%
Median year built: 1999
Median rooms: 6.8
Renters paying 30%+ of income: 40.8%
Renters paying 50%+ of income: 18.2%
Home value to income: 3.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

67%

Carpooled

Transit

0.0%

Walked

Bicycle

0.3%

Worked from home

27%

Other

0.7%

Commute time (one way)

<10 min

13%

10–19

31%

20–29

19%

30–44

27%

45–59

60+

Average commute

23.8 min

U.S. 26.4 min

Unemployment

2.9%

U.S. 5.2%

In labor force

68.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

17%

Business and finance

13%

Healthcare

13%

Sales

11%

Office and admin

Engineering and science

Computer and math

Education

Transportation and moving

Arts, media and sports

Legal and social services

Food service

Cleaning and personal care

Construction and repair

Police and fire

Production

Farming, fishing and forestry

0.0%

Industries

Health care and social assistance

17%

Professional and technical services

16%

Finance, insurance and real estate

12%

Manufacturing

11%

Retail

Education

Transportation, warehousing and utilities

Wholesale

Restaurants and hotels

Admin, support and management

Construction

Other services

Public administration

Arts and recreation

Information

Agriculture and mining

0.3%

Median earnings per worker

$82,181

U.S. $49,666

Self-employed

11.7%

U.S. 10%

Government workers

7.9%

U.S. 14.5%

Nonprofit workers

11%

U.S. 8.8%

Median earnings by type of work

Type of work	46032	U.S.
Management, business, science and arts	$104,423	$74,888
Service	$23,015	$26,804
Sales and office	$58,349	$40,476
Construction and maintenance	$49,085	$49,199
Production and transportation	$32,077	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

Some college

11%

Associate's

Bachelor's

44%

Graduate

32%

High school graduate or higher: 98.2%
Bachelor's degree or higher: 75.5%
Graduate or professional degree: 31.9%
Households with broadband: 97.1%
Cable, fiber or DSL: 87.4%
No internet access: 1%
Without health insurance: 3.7%
Limited-English households: 1.8%

Geography

City (USPS): Carmel
State: Indiana
County: Hamilton County
Center point: 39.9666° N, 86.1751° W
Land area: 25 sq mi
Water area: 0.4 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Carmel95% of zip
Westfield5% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 46032

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
46288	Indianapolis, IN · PO box	2.3 mi	—	—	—
46290	Indianapolis, IN	2.3 mi	81	—	$570,700
46280	Indianapolis, IN	3.1 mi	7,514	$91,152	$324,400
46033	Carmel, IN	4.8 mi	40,881	$153,143	$487,100
46260	Indianapolis, IN	4.8 mi	35,707	$72,504	$288,900
46074	Westfield, IN	4.8 mi	48,901	$126,724	$437,100
46240	Indianapolis, IN	5 mi	19,595	$75,156	$348,000
46077	Zionsville, IN	5.6 mi	36,760	$177,679	$580,600
46268	Indianapolis, IN	5.7 mi	25,913	$68,631	$229,600
46250	Indianapolis, IN	7.5 mi	18,147	$67,328	$327,600
46220	Indianapolis, IN	7.7 mi	36,952	$108,050	$358,500
46213	Indianapolis, IN · PO box	8.1 mi	—	—	—

Zip codes like 46032 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Monmouth Junction, NJ

Questions about 46032

What city is zip code 46032?

46032 is assigned to Carmel, Indiana. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 46032 in?

46032 is in Hamilton County, Indiana.

What is the population of 46032?

About 51,515 people live in 46032, according to the Census Bureau's American Community Survey.

What time zone is 46032 in?

46032 is in Eastern Time.

What is the median household income in 46032?

The median household income in 46032 is $132,085.

What zip codes are near 46032?

The closest zip codes to 46032 are 46288, 46290, 46280, 46033, 46260.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 46032, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.