ZIP code 46403

ZIP 46403 is a mid-size town in Lake County, Indiana, with 10,697 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #203 of 807 ranked by population — larger than 74% of them. The median age here is 41.7 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 46403 earn a median of $44,114 a year, 43.8% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 26.3% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 46403 is valued at $154,800, 49% below the national figure, while median gross rent runs $939 a month, 33.2% below the national figure, or roughly $11,268 across a full year. A household on the local median income would put about 25.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.5×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 47.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 46403 is tabulated inside Lake County, Indiana, one of 27 ZIP areas the Census publishes for that county and 807 across Indiana. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 46403 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 46403 reports a median household income of $44,114, 28% below the $61,427 county median, and 36% below the $68,990 typical IN ZIP. Owner-occupied homes are valued at a median of $154,800, 3% below the county figure and 8% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $939 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Indiana charges 7% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 46403.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 46403 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.