Everything on this page — for all 42,000+ U.S. ZIP codes
| City: | Merrillville, Indiana |
| City Alias: | Gary |
| County: | Lake County |
| Timezone: | Central (GMT -06:00) |
| Local Time: | 9:45:16 PM |
| Population: | 39,471 [See All] |
| Area Code: | 219 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 41.4810, -87.3164 |
| Land Area: | 30.046 sq mi |
| Quick Link: |
ZIP Code 46410 has 39,471 residents and 16,171 households (average 2.40 persons per household). The median age is 39.4 years, slightly older than the state (38.2) and about the same as the nation (38.8). The gender split is 46.4% male and 53.6% female, which is slightly lower than the state male share (49.3%), making this a female-majority area. Largest groups are Black or African American (51.8%, much higher than the state average of 9.6% and well above the national average of 12.4%) and White (32.1%, much lower than the state average of 77.2% and well below the national average of 61.6%); Hispanic or Latino residents make up 14.4%, which is higher than the state average (8.2%), and Black or African American share is much higher than both the state (9.6%) and national averages (12.4%).
Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship
| 2020 Population: | 39,471Source: Census DHC |
| 2024 ACS Population Estimate: | 39,243Source: Census ACS |
| 2026 ZC Population Estimate: | 41,409Source: ZIP-Codes.com |
| Population Density: | 1,313.7 people per sq mile |
| Average Income: | $64,127Source: Census ACS |
| Households: | 16,171Source: Census DHC |
| Average House Value: | $208,100Source: Census ACS |
| Persons Per Household: | 2.40Source: Census DHC |
| Average Family Size: | 3.51Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 38,656 | 38,990 | 39,023 | 38,690 | 39,017 | 38,721 | 38,299 | 38,047 | 37,813 | 37,569 | 38,873 | 39,121 | 38,803 | 39,243 |
| Decennial Census | 38,340 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 39,471 | -- | -- | -- | -- |
Median Age: 39.4
Male Median Age: 37
Female Median Age: 41.5
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 1,087 | 1,154 | 1,343 | 1,370 | 1,214 | 1,369 | 1,152 | 1,171 | 1,181 | 1,053 | 1,112 | 1,200 | 1,194 | 978 | 733 | 465 | 247 | 307 |
| Female | 1,039 | 1,093 | 1,334 | 1,334 | 1,261 | 1,355 | 1,334 | 1,418 | 1,344 | 1,394 | 1,362 | 1,410 | 1,427 | 1,293 | 962 | 693 | 505 | 583 |
| Total | 2,126 | 2,247 | 2,677 | 2,704 | 2,475 | 2,724 | 2,486 | 2,589 | 2,525 | 2,447 | 2,474 | 2,610 | 2,621 | 2,271 | 1,695 | 1,158 | 752 | 890 |
| White: | 12,665 | 30.33% |
| Black: | 20,443 | 48.96% |
| Hispanic:* | 5,694 | 13.64% |
| Asian: | 586 | 1.40% |
| American Indian: | 246 | 0.59% |
| Hawaiian: | 9 | 0.02% |
| Other: | 2,115 | 5.06% |
| Total: | 41,758 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 18,330 | 46.44% | 37.0 years |
| Females: | 21,141 | 53.56% | 41.5 years |
| Total: | 39,471 | 100% | 39.4 years |
| Native, born in the United States: | 36,553 | 93.15% |
| Native, born in PR, Island Areas, or abroad: | 251 | 0.64% |
| Foreign born, naturalized U.S. citizen: | 1,344 | 3.42% |
| Foreign born, not a U.S. citizen: | 1,095 | 6.22% |
| Total Population: | 39,243 | 100% |
| Total Native Population: | 36,804 | 93.78% |
| Total Foreign-born Population: | 2,439 | 6.22% |
In 2024, the Median household income is $64,127, which is considerably lower than the national median ($80,734), is up $15,776 (32.6%) since 2011 and above its 2019 pre-pandemic level by $6,682. Family households earn a median of $82,694 versus $43,902 for nonfamily households (a difference of $38,792). By gender, male median income is $63,280 and female is $52,157, which is falls short of the national female median ($55,274), with a current gap of $11,123 that has narrowed from 2011 to 2024. The labor-force participation rate is 62.1%, which is slightly below the national rate (63.5%). The unemployment rate is 8.0%, which is much higher than the national rate (5.2%). The largest occupation group is Management (30.1%).
Explore More: Income Over Time Household Income Employment Status By Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $48,351 | $49,674 | $48,865 | $47,892 | $51,829 | $51,136 | $54,319 | $56,799 | $57,445 | $61,000 | $58,759 | $60,432 | $61,735 | $64,127 |
| Median Family Income | $60,414 | $60,217 | $61,808 | $60,794 | $62,154 | $62,575 | $65,871 | $67,689 | $69,276 | $74,602 | $76,675 | $81,734 | $82,854 | $82,694 |
| Median NonFamily Income | $30,478 | $30,529 | $29,441 | $30,562 | $31,932 | $32,862 | $34,583 | $36,750 | $37,981 | $38,937 | $37,179 | $38,788 | $42,556 | $43,902 |
| Median Male Income | $50,268 | $52,383 | $50,880 | $48,298 | $50,545 | $50,356 | $51,567 | $53,154 | $57,924 | $58,559 | $59,193 | $60,916 | $64,497 | $63,280 |
| Median Female Income | $34,167 | $34,950 | $37,218 | $36,744 | $37,241 | $38,556 | $40,263 | $41,113 | $42,087 | $45,598 | $47,198 | $49,788 | $49,947 | $52,157 |
| Employed: | 18,609 | 57.07% |
| Unemployed: | 1,615 | 4.95% |
| Not In Labor Force: | 12,384 | 37.98% |
| Total: | 32,608 | 100% |
| Management, business, science, and arts: | 5,596 | 30.07% |
| Service: | 3,551 | 19.08% |
| Sales and Office: | 3,629 | 19.50% |
| Natural resources, construction, and maintenance: | 1,935 | 10.40% |
| Production, transportation, and material moving: | 3,898 | 20.95% |
| Total Civilian Employed Population: | 18,609 | 100% |
In 2024, the median home value is $208,100, which is far less than the national median ($332,700), is up $77,300 (59.10%) since 2011 and above its 2019 pre-pandemic level by $73,000. The median gross rent is $1,270, which is generally lower than the national median ($1,413), is up $384 (43.34%) since 2011 and above its 2019 pre-pandemic level by $222. Of occupied housing, owners make up 65.98% (70.40% with a mortgage, 29.60% free-and-clear) and renters 34.02% - making this ZIP Code under national rental averages. The vacancy rate is 4.72%, which is much lower than the national rate (10.12%).
Explore More: Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $130,800 | $131,700 | $130,400 | $127,300 | $127,600 | $128,400 | $128,600 | $131,800 | $135,100 | $139,100 | $150,900 | $176,000 | $192,100 | $208,100 |
| Less than $500: | 488 | 8.51% |
| $500 to $999: | 608 | 10.60% |
| $1,000 to $1,499: | 2,586 | 45.09% |
| $1,500 to $1,999: | 1,156 | 20.16% |
| $2,000 to $2,499: | 558 | 9.73% |
| $2,500 to $2,999: | 22 | 0.38% |
| $3,000 or more: | 91 | 1.59% |
| No Rent: | 226 | 3.94% |
| Total: | 5,735 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $886 | $899 | $900 | $892 | $895 | $921 | $976 | $1,016 | $1,048 | $1,057 | $1,103 | $1,206 | $1,267 | $1,270 |
| Owner Occupied (with mortgage): | 7,831 | 46.45% |
| Owner Occupied (free and clear, no mortgage): | 3,293 | 19.53% |
| Renter Occupied: | 5,735 | 34.02% |
| Total Occupied Housing Units: | 16,859 | 100% |
| Occupied Housing Units: | 16,859 | 95.28% |
| Vacant Housing Units (not graphed): | 836 | 4.72% |
| Total Housing Units: | 17,695 | 100% |
| Single-Family Units: | 11,563 | 65.35% |
| Multi-Family Units: | 5,895 | 33.31% |
| Other Units: | 237 | 1.34% |
| Total Housing Units: | 17,695 | 100% |
In 2024, 24.80% of adults (25+) have a bachelor's degree or higher, which is far lower than the national rate (35.70%). High school or higher is 92.60%, which is well above the national rate (89.60%). The uninsured rate is 6.80%, which is comparable to the national rate (8.40%). The share of people in poverty is 10.70%, which is comparable to the national rate (8.80%), up 4.20 percentage points since 2011 and above its 2019 pre-pandemic level by 1.80 percentage points. This signals a sharp increase in hardship - a shrinking consumer base, heavy pressure on public services, and job-market contraction risks. Among residents ages 3+, the largest enrollment group is elementary (39.01%). College enrollment is 20.61%, which is far lower than the national rate (26.70%), indicating the community may be more oriented toward vocational/trade or direct-to-workforce opportunities.
Explore More: Educational Attainment Health Insurance Poverty Over Time School Enrollment
| Less than 9th grade: | 672 | 2.43% |
| 9th to 12th grade, no diploma: | 1,374 | 4.96% |
| High school graduate (includes equivalency): | 9,467 | 34.17% |
| Some college, no degree: | 6,361 | 22.96% |
| Associate's degree: | 2,948 | 10.64% |
| Bachelor's degree: | 4,525 | 16.33% |
| Graduate or professional degree: | 2,359 | 8.51% |
| Total: | 27,706 | 100% |
| High school or higher: | 25,660 | 92.62% |
| Bachelor's degree or higher: | 6,884 | 24.85% |
| Private Insurance: | 25,137 | 69.76% |
| Public Insurance: | 15,947 | 44.26% |
| No Insurance: | 2,645 | 7.34% |
| Total: | 36,034 | 100% |
| Has Health Insurance: | 41,084 | 114.01% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 7.7% | 9.5% | 10.4% | 10.6% | 9.1% | 10.0% | 7.9% | 8.5% | 10.1% | 8.1% | 10.0% | 12.1% | 11.9% | 10.7% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 382 | 4.54% |
| Kindergarten: | 486 | 5.77% |
| Elementary school (grades 1-8): | 3,284 | 39.01% |
| High school (grades 9-12): | 2,532 | 30.07% |
| College or graduate school: | 1,735 | 20.61% |
| Total: | 8,419 | 100% |
| Early Childhood: | 868 | 10.31% |
| K-12 (Primary & Secondary School): | 6,302 | 74.85% |
ZIP Code 46410 supports both business and residential activity. According to the Business Census (2024), there are 1,553 business establishments, employing about 27,127 people with an annual payroll of $1,550,054,000. USPS data shows 17,254 residential mailboxes and 2,025 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 17,254Source: USPS |
| # Business Mailboxes: | 2,025Source: USPS |
| Total Delivery Receptacles: | 19,240Source: USPS |
| Single Family Delivery Units: | 11,405Source: USPS |
| Multi Family Delivery Units: | 3,687Source: USPS |
| # of Businesses: | 1,553Source: CBP |
| 1st Quarter Payroll: | $388,535,000Source: CBP |
| Annual Payroll: | $1,550,054,000Source: CBP |
| # of Employees: | 27,127Source: CBP |
ZIP Code 46410 is located in Lake County, Indiana, within the Chicago-Naperville-Elgin, IL-IN Metropolitan Statistical Area (CBSA 16980) and Indiana's 1st Congressional District. This Metro area has a population of 9,461,105 people, about 0.42% of whom live in ZIP Code 46410, and is subdivided into the Lake County-Porter County-Jasper County, IN division. It covers 30.046 sq mi of land and a water area of 0.042 sq mi.
| CBSA Name: | Chicago-Naperville-Elgin, IL-INSource: Census |
| CBSA Number: | 16980Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | Lake County-Porter County-Jasper County, IN (CBSA Div 29414)Source: Census |
| CBSA Population: | 9,461,105Source: Census |
| MSA: | Chicago-Gary-Kenosha, IL-IN-WI CMSASource: Census |
| Land Area: | 30.046 sq miSource: Census |
| Water Area: | 0.042 sq miSource: Census |
| Congressional District: | 01Source: USPS |
| Congressional Land Area: | 1157.02 sq miSource: Census |
| PMSA: | Gary, IN PMSASource: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 1848528Source: Census |
| Place Name: | Merrillville town; IndianaSource: Census |
ZIP Code 46410 is in the Merrillville Community School, which serves grades Kindergarten thru 12th. There are 9 public schools and 5 private school(s) in this ZIP Code. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on March 1, 2026.