46032 ZIP Code
Carmel, Indiana
January 12, 2026
| ZIP Code: | 46032 |
| City/Town: | Carmel |
| County: | Hamilton |
| State: | Indiana |
| ZIP Type: | Standard |
| Population: | 51,250 |
| Median Household Income: | $121,496 |
| Per Capita Income: | $67,137 |
| Total Housing Units: | 21,942 |
| Median Home Value: | $434,000 |
| Land Area: | 25.4 sq miles
65.7 sq km |
| Water Area: | 0.4 sq miles
1.0 sq km |
| Coordinates: | 39.9666, -86.1751 |
Population Information (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 51,250 | -- | -- |
| Male: | 24,122 | 47.1% | 49.6% |
| Female: | 27,128 | 52.9% | 50.4% |
| Median Age: | 39.8 yrs | -- | 38.5 yrs |
| Under 5 years: | 2,832 | 5.5% | 5.7% |
| 5 to 9 years: | 3,479 | 6.8% | 6.0% |
| 10 to 14 years: | 3,869 | 7.5% | 6.5% |
| 15 to 19 years: | 3,416 | 6.7% | 6.6% |
| 20 to 24 years: | 3,153 | 6.2% | 6.7% |
| 25 to 34 years: | 5,655 | 11.0% | 13.7% |
| 35 to 44 years: | 7,072 | 13.8% | 12.9% |
| 45 to 54 years: | 7,584 | 14.8% | 12.4% |
| 55 to 59 years: | 3,750 | 7.3% | 6.5% |
| 60 to 64 years: | 3,166 | 6.2% | 6.4% |
| 65 to 74 years: | 4,182 | 8.2% | 9.7% |
| 75 to 84 years: | 2,002 | 3.9% | 4.8% |
| 85 years and over: | 1,090 | 2.1% | 2.0% |
Housing Information (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $434,000 | -- | $281,900 |
| Median rooms: | 6.9 | -- | 5.5 |
| Median rent: | $1,472 / mo. | -- | $1,268 / mo. |
| Total housing units: | 21,942 | -- | -- |
| Occupied housing units: | 20,390 | 92.9% | 38.0% |
| Vacant housing units: | 1,552 | 7.1% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 13,621 | 66.8% | 64.8% |
| Renter-occupied: | 6,769 | 33.2% | 35.2% |
Educational Attainment (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 34,501 | -- | -- |
| Less than 9th grade: | 228 | 0.7% | 4.7% |
| 9th to 12th grade, no diploma: | 517 | 1.5% | 6.1% |
| High school graduate: | 2,694 | 7.8% | 26.4% |
| Some college, no degree: | 3,781 | 11.0% | 19.7% |
| Associate degree: | 1,608 | 4.7% | 8.7% |
| Bachelor's degree: | 14,445 | 41.9% | 20.9% |
| Graduate or professional degree: | 11,228 | 32.5% | 13.7% |
| Percent high school graduate or higher: | -- | 97.8% | 89.1% |
| Percent bachelor's degree or higher: | -- | 74.4% | 34.3% |
Income Information (46032 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $121,496 / yr. | $75,149 / yr. |
| Mean household income: | $185,694 / yr. | $105,833 / yr. |
| Median family income: | $168,496 / yr. | $92,646 / yr. |
| Per capita income: | $67,137 / yr. | $41,261 / yr. |
Employment (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 28,443 | -- | 63.5% |
| Employed: | 27,552 | 96.9% | 96.4% |
| Unemployed: | 891 | 3.1% | 5.3% |
| Not in labor force: | 11,943 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 24,355 | 88.4% | 79.7% |
| Government workers: | 1,903 | 6.9% | 14.2% |
| Self-employed: | 1,271 | 4.6% | 5.9% |
| Unpaid family workers: | 23 | 0.1% | 0.1% |
Race & Ethnicity (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 41,343 | 80.7% | 61.6% |
| Black or African American: | 2,404 | 4.7% | 12.4% |
| American Indian/Alaska Native: | 15 | 0.0% | 1.1% |
| Asian: | 4,732 | 9.2% | 6.0% |
| Native Hawaiian/Pacific Islander: | 83 | 0.2% | 0.2% |
| Some other race: | 490 | 1.0% | 8.4% |
| Two or more races: | 2,183 | 4.3% | 10.2% |
| Hispanic or Latino (any race): | 1,688 | 3.3% | 18.7% |
| Mexican: | 2,237 | 4.4% | 11.2% |
| Puerto Rican: | 805 | 1.6% | 1.8% |
| Cuban: | 129 | 0.3% | 0.7% |
| Other Hispanic or Latino: | 305 | 0.6% | 5.0% |
| Not Hispanic or Latino: | 998 | 1.9% | 81.1% |
Income Distribution (46032 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 585 | 2.9% | 4.9% |
| $10,000 to $14,999: | 167 | 0.8% | 3.8% |
| $15,000 to $24,999: | 539 | 2.6% | 7.0% |
| $25,000 to $34,999: | 768 | 3.8% | 7.4% |
| $35,000 to $49,999: | 1,672 | 8.2% | 10.7% |
| $50,000 to $74,999: | 2,374 | 11.6% | 16.1% |
| $75,000 to $99,999: | 2,673 | 13.1% | 12.8% |
| $100,000 to $149,999: | 3,159 | 15.5% | 17.1% |
| $150,000 to $199,999: | 2,379 | 11.7% | 8.8% |
| $200,000 or more: | 6,074 | 29.8% | 11.4% |
Commute to Work (46032 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 19,642 | 71.3% | 67.8% |
| Carpooled: | 983 | 3.6% | 8.7% |
| Public transportation: | 14 | 0.1% | 4.2% |
| Walked: | 434 | 1.6% | 2.5% |
| Other means: | 291 | 1.1% | 0.9% |
| Worked from home: | 5,758 | 20.9% | 13.8% |
| Mean travel time to work: | 24.4 min | -- | 26.7 min |
Industry (46032 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 67 | 0.2% | 1.6% |
| Construction: | 774 | 2.8% | 6.9% |
| Manufacturing: | 3,397 | 12.3% | 10.0% |
| Wholesale trade: | 876 | 3.2% | 2.4% |
| Retail trade: | 2,377 | 8.6% | 11.0% |
| Transportation, warehousing, utilities: | 846 | 3.1% | 5.8% |
| Information: | 495 | 1.8% | 1.9% |
| Finance, insurance, real estate: | 3,082 | 11.2% | 6.7% |
| Professional, scientific, management: | 5,053 | 18.3% | 12.1% |
| Education, health care, social services: | 6,957 | 25.3% | 23.3% |
| Arts, entertainment, food services: | 1,987 | 7.2% | 9.0% |
| Other services: | 959 | 3.5% | 4.7% |
| Public administration: | 682 | 2.5% | 4.7% |
Poverty Status (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 4.1% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 49,109 | 95.8% | 91.3% |
| Private health insurance: | 45,251 | 88.3% | 67.6% |
| Public health coverage: | 8,630 | 16.8% | 35.9% |
| Without health insurance: | 1,795 | 3.5% | 8.7% |
Benefits & Assistance (46032 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 17,264 | 84.7% | 77.4% |
| Social Security income: | 4,660 | 22.9% | 31.0% |
| Retirement income: | 3,793 | 18.6% | 21.8% |
| Supplemental Security Income (SSI): | 392 | 1.9% | 4.5% |
| Cash public assistance income: | 103 | 0.5% | 1.8% |
| SNAP (food stamps) benefits: | 316 | 1.5% | 11.4% |
Housing Types (46032 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 13,031 | 59.4% | 61.4% |
| 1-unit, attached: | 1,210 | 5.5% | 6.1% |
| 2 units: | 81 | 0.4% | 3.4% |
| 3 or 4 units: | 941 | 4.3% | 4.3% |
| 5 to 9 units: | 1,950 | 8.9% | 4.6% |
| 10 to 19 units: | 1,646 | 7.5% | 4.3% |
| 20 or more units: | 2,987 | 13.6% | 9.9% |
| Mobile home: | 96 | 0.4% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (46032 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 301 | 1.4% | 0.6% |
| Built 2010 to 2019: | 4,530 | 20.6% | 8.2% |
| Built 2000 to 2009: | 4,967 | 22.6% | 13.5% |
| Built 1990 to 1999: | 5,522 | 25.2% | 13.2% |
| Built 1980 to 1989: | 2,553 | 11.6% | 13.2% |
| Built 1970 to 1979: | 2,025 | 9.2% | 14.6% |
| Built 1960 to 1969: | 1,366 | 6.2% | 10.2% |
| Built 1950 to 1959: | 458 | 2.1% | 9.9% |
| Built 1940 to 1949: | 28 | 0.1% | 4.6% |
| Built 1939 or earlier: | 192 | 0.9% | 12.0% |
Bedrooms (46032 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 647 | 2.9% | 2.4% |
| 1 bedroom: | 2,706 | 12.3% | 3.0% |
| 2 bedrooms: | 4,286 | 19.5% | 9.1% |
| 3 bedrooms: | 5,319 | 24.2% | 15.9% |
| 4 bedrooms: | 6,289 | 28.7% | 18.8% |
| 5 or more bedrooms: | 2,695 | 12.3% | 17.6% |
Heating Fuel (46032 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 12,527 | 61.4% | 47.1% |
| Bottled, tank, or LP gas: | 256 | 1.3% | 4.9% |
| Electricity: | 7,538 | 37.0% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 0 | 0.0% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 42 | 0.2% | 0.5% |
| No fuel used: | 27 | 0.1% | 0.2% |
Vehicles Available (46032 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 746 | 3.7% | 8.3% |
| 1 vehicle available: | 6,032 | 29.6% | 32.6% |
| 2 vehicles available: | 9,476 | 46.5% | 37.0% |
| 3 or more vehicles available: | 4,136 | 20.3% | 22.1% |
Home Value Distribution (46032 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 166 | 1.2% | 5.7% |
| $50,000 to $99,999: | 79 | 0.6% | 7.8% |
| $100,000 to $149,999: | 286 | 2.1% | 9.2% |
| $150,000 to $199,999: | 637 | 4.7% | 10.8% |
| $200,000 to $299,999: | 2,209 | 16.2% | 19.9% |
| $300,000 to $499,999: | 5,000 | 36.7% | 24.1% |
| $500,000 to $999,999: | 3,982 | 29.2% | 17.0% |
| $1,000,000 or more: | 1,262 | 9.3% | 5.6% |
Housing Costs (46032 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $2,269 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $753 / mo. | $584 / mo. |
| Median gross rent: | $1,472 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.78 | 2.53 |
| Average household size (renter-occupied): | 1.92 | 2.38 |
Households (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 20,390 | -- | -- |
| Married-couple households: | 11,714 | 57.4% | 47.5% |
| Cohabiting couple households: | 5,463 | 26.8% | 7.0% |
| Male householder, no spouse: | 2,385 | 11.7% | 5.4% |
| Female householder, no spouse: | 5,453 | 26.7% | 12.7% |
| Householder living alone: | 6,978 | 34.2% | 28.6% |
| 65 years and over living alone: | 5,037 | 24.7% | 11.8% |
| Average household size: | 2.50 | -- | 2.53 |
| Average family size: | 3.08 | -- | -- |
Marital Status (46032 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 18,957 | -- | -- |
| Never married: | 4,975 | 26.2% | 37.0% |
| Now married: | 12,487 | 65.9% | 49.5% |
| Separated: | 255 | 1.3% | 1.5% |
| Widowed: | 1,173 | 6.2% | 2.6% |
| Divorced: | 5,657 | 29.8% | 9.3% |
School Enrollment (46032 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 13,311 | -- | -- |
| Nursery school, preschool: | 1,075 | 8.1% | 5.8% |
| Kindergarten: | 734 | 5.5% | 5.0% |
| Elementary school (grades 1-8): | 5,581 | 41.9% | 40.5% |
| High school (grades 9-12): | 3,369 | 25.3% | 21.4% |
| College or graduate school: | 2,552 | 19.2% | 27.3% |
Veterans & Disability (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 38,763 | -- | -- |
| Veterans: | 1,323 | 3.4% | 6.3% |
| Civilian noninstitutionalized population: | 50,904 | -- | -- |
| With a disability: | 3,127 | 6.1% | 13.4% |
| Under 18 with disability: | 211 | 6.7% | 5.8% |
| 18 to 64 with disability: | 1,063 | 34.0% | 10.4% |
| 65 and over with disability: | 1,853 | 59.3% | 33.4% |
Mobility (Residence 1 Year Ago) (46032 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 42,535 | 83.0% | 86.9% |
| Different house: | 8,262 | 16.1% | 13.1% |
| Same county: | 3,312 | 40.1% | 7.0% |
| Different county: | 4,468 | 54.1% | 3.2% |
| Different state: | 1,913 | 23.2% | 2.5% |
| Abroad: | 482 | 5.8% | 0.4% |
Place of Birth (46032 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 44,740 | 87.3% | 86.2% |
| Foreign born: | 569 | 1.1% | 13.9% |
| Naturalized citizen: | 6,510 | 1144.1% | 52.7% |
| Not a citizen: | 6,510 | 1144.1% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 6,510 | 1144.1% | 10.5% |
| Asia: | 1,298 | 228.1% | 31.3% |
| Africa: | 544 | 95.6% | 5.5% |
| Oceania: | 84 | 14.8% | 0.5% |
| Latin America: | 1,127 | 198.1% | 50.0% |
| Northern America: | 140 | 24.6% | 2.2% |
Language Spoken at Home (46032 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 48,418 | -- | -- |
| English only: | 41,659 | 86.0% | 78.3% |
| Language other than English: | 6,759 | 14.0% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 1,279 | 2.6% | 13.3% |
| Other Indo-European languages: | 2,809 | 5.8% | 3.5% |
| Asian/Pacific Island languages: | 2,071 | 4.3% | 3.5% |
| Other languages: | 600 | 1.2% | 1.0% |
Computers & Internet (46032 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 20,390 | 100.0% | 93.1% |
| Households with broadband internet: | 19,909 | 97.6% | 89.4% |
Carmel, IN46032