ZIP Code Tabulation Area

46032

Carmel, IN · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
51,515
Median household income
$132,085
People below poverty
4.9%
Median home value
$496,800

Income

The median income of households in 46032 was $132,085. An estimated 3.1% of households had income below $10,000 a year and 33.8% had income of $200,000 or more.

Household Income in 46032 in 2020-2024

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Percent
Less than $10,000 3.1
$10,000 to $14,999 0.6
$15,000 to $24,999 1.9
$25,000 to $34,999 3.1
$35,000 to $49,999 7.8
$50,000 to $74,999 11.9
$75,000 to $99,999 9.9
$100,000 to $149,999 16.7
$150,000 to $199,999 11.2
$200,000 or more 33.8

Median Earnings for Full-Time Year-Round Workers by Sex in 46032 in 2020-2024

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Dollars
Male 109695
Female 86875

An estimated 84.5% of households received earnings. An estimated 21.8% of households received Social Security and an estimated 20.3 % of households received retirement income other than Social Security. The average income from Social Security was $31,611. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 46032 in 2020-2024

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Percent
Earnings 84.5
Social Security 21.8
Retirement income 20.3
Supplemental Security Income (SSI) 1.3
Cash public assistance income 0.9

Poverty and Participation in Government Programs

In 2020-2024, 4.9 % of people were in poverty. An estimated 5.1% of children under 18 were below the poverty level, compared with 4.2% of people 65 years old and over. An estimated 4.9% of people 18 to 64 years were below the poverty level.

Poverty Rates in 46032 in 2020-2024

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Percent
People in poverty 4.9
Children under 18 years below poverty 5.1
People 65 years old and over below poverty 4.2
People 18 to 64 years below poverty 4.9

In 2020-2024, 2.2 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 74.3% of households that received SNAP had children under 18, and 23.5% of households that received SNAP had one or more people 60 years and over. An estimated 27.4% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 46032 in 2020-2024, 96.3% had health insurance coverage and 3.7% did not have health insurance coverage. Private coverage was 87.1% and public coverage was 18%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 2.4%.


In 2020-2024, 46032 had a total population of 51,515 - 26,569 (51.6%) females and 24,946 (48.4%) males. The median age was 39.9 years. An estimated 23.7% of the population was under 18 years, 31.6% was 19 to 44 years, 28.1% was 45 to 64 years, and 14.6 % was 65 years and older.

Population by Age and Sex for 46032 in 2020-2024

Male Female
Under 5 1375 1337
5 to 9 1556 1406
10 to 14 1918 2008
15 to 19 2065 1575
20 to 24 1564 1712
25 to 29 1644 1538
30 to 34 1400 1740
35 to 39 1429 1594
40 to 44 1508 2136
45 to 49 1673 1723
50 to 54 2114 1873
55 to 59 1688 2245
60 to 64 1580 1598
65 to 69 1103 1370
70 to 74 1099 974
75 to 79 548 722
80 to 84 407 338
85 and over 275 680

Hispanic Origin and Race

For people reporting one race alone, 78.1% were White; 3.6% were Black or African American; 11.2% were American Indian and Alaska Native; 10.4% were Asian; 0.5% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 6.3% reported Two or More Races. An estimated 5% of the people in 46032 were Hispanic or Latino. An estimated 77.2% of the people in 46032 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 20,557 households in 46032. The average household size was 2.49 people.

Married-couple households made up 56.9% of the households in 46032 while cohabiting couple households made up 5.6% of households. Female householders with no spouse or partner present were 24.1% of all households, while 13.4% of households had male householders with no spouse or partner present. Some households had one person, as 10.4% of households were male householders living alone, and 15.8% were female householders living alone, for a total of 26.2% of all households.

In 46032, 33% of all households had one or more people under the age of 18; 24.3% of all households had one or more people 65 years and over.

Types of Households in 46032 in 2020-2024

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Percent
Married-couple households 56.9
Cohabiting Couples 5.6
Male Householder
No spouse/partner present
13.4
Female Householder
No spouse/partner present
24.1

Marital Status

Among persons 15 and older, 61.7% of males and 56.6% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 30.3 24.7
Now married, except separated 61.7 56.6
Separated 0.3 0.3
Widowed 1.8 6.9
Divorced 5.9 11.4

Grandparents and Grandchildren

In 46032, 486 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 23% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 86.1% of the people living in 46032 were U.S. natives. 49.9% of the 46032 population were living in the state where they were born.

Approximately 13.9% of 46032 residents in 2020-2024 were foreign-born. 53.8% of foreign-born were naturalized U.S. citizens and an estimated 50.1 % entered the country before the year 2010.

Foreign-born residents of 46032 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 46032.

Region of Birth for the Foreign-Born Population in 46032 in 2020-2024

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Percent
Latin America 20.6
Asia 54.1
Europe 13.3
Africa 8.6
Northern America 3.2
Oceania 0.2

Language

Among people at least five years old living in 46032 in 2020-2024, 15.5 % spoke a language other than English at home. Spanish was spoken by 3.2% of people at least five years old; 4.5% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 46032 in 2020-2024

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Percent
Spanish 3.2
Other Indo-European languages 6.2
Asian and Pacific Islander languages 4.6
Other languages 1.4

Geographic Mobility

In 2020-2024, 85.3 % of the people at least one year old living in 46032 were living in the same house one year earlier.

Geographic Mobility of Residents of 46032 in 2020-2024

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Percent
Same house 85.3
Different house, same county 5.6
Different county, same state 4
Different state 3.8
Abroad 1.3

Education

In 2020-2024, 98.2 % of people 25 years and over had at least graduated from high school and 75.5% had a bachelor's degree or higher. An estimated 1.8% did not complete high school.

The total school enrollment in 46032 was 13,389 in 2020-2024. Nursery school enrollment was 1,108 and kindergarten through 12th grade enrollment was 9,360. College or graduate school enrollment was 2,921.

Educational Attainment of People in 46032 in 2020-2024

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Percent
Less than high school diploma 1.8
High school diploma or equivalency 7.1
Some college, no degree 10.8
Associate's degree 4.8
Bachelor's degree 43.6
Graduate or professional degree 31.9

Disability

In 46032, among the civilian noninstitutionalized population in 2020-2024, 6.2 % reported a disability. The likelihood of having a disability varied by age - from 1.3% of people under 18 years old, to 4.3% of people 18 to 64 years old, and to 22.8% of those 65 and over.


Employment Status and Type of Employer

In 46032, 66.6 % of the population 16 and over were employed; 31.3% were not currently in the labor force.

An estimated 87.1% of the people employed were private wage and salary workers; 7.9% were federal, state, or local government workers; and 4.6 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 23,822 87.1
Federal, state, or local government workers 2,169 7.9
Self-employed workers in own not incorporated business 1,259 4.6

Industries

In 2020-2024, the civilian employed population 16 years and older in 46032 worked in the following industries:

Percent by Industry in 46032 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.3
Construction 2.9
Manufacturing 10.6
Wholesale trade 3.7
Retail trade 8.6
Transportation and warehousing, and utilities 4.1
Information 2.1
Finance and insurance, and real estate and rental and leasing 12.4
Professional, scientific, and management, and administrative and waste management services 19.1
Educational services, and health care and social assistance 24.5
Arts, entertainment, and recreation, and accommodation, and food services 6.1
Other Services, except public administration 2.8
Public administration 2.7

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 46032 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 17,925 65.5
Service occupations 2,192 8
Sales and office occupations 5,332 19.5
Natural resources, construction, and maintenance occupations 521 1.9
Production, transportation, and material moving occupations 1,378 5

Commuting to Work

An estimated 66.9% of 46032 workers drove to work alone in 2020-2024, and 3.7% carpooled. Among those who commuted to work, it took them on average 23.8 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 46032 in 2020-2024

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Percent
Car, truck, van -- drove alone 66.9
Car, truck, van -- carpooled 3.7
Public transportation (excluding taxicab) 0
Walked 1
Other means 1
Worked from home 27.4

In 2020-2024, 46032 had a total of 22,194 housing units. Of these housing units, 64.7% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 34.9% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 0.4% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 46032 in 2020-2024

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Percent
Single-family houses 64.7
Apartments in multi-unit structures 34.9
Mobile homes 0.4
Boat, RV, van, etc 0

24.9% of the housing inventory was comprised of houses built since 2010, while 0.9% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 46032 was 6.8 rooms, and of these housing units 65.5% had three or more bedrooms.


In 2020-2024, 46032 had 20,557 housing units that were occupied or had people living in them, while the remaining 1,637 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 66.5% while renters occupied 33.5%. The average household size of owner-occupied houses was 2.78 and in renter-occupied houses it was 1.91.

8% of householders of these occupied houses had moved into their house since 2021, while 2.6% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 3.7% and another 19.5% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 46032:

House Heating Fuel Used in 46032 in 2020-2024

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Percent
Gas 61.6
Electricity 37.9
Fuel oil, kerosene, etc 0.1
All other fuels 0.3
No fuel used 0.2

In 2020-2024, the median property value for owner-occupied houses in 46032 was $496,800.

Of the owner-occupied households, 68.3 % had a mortgage. 31.7% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $2,475 and for owners without a mortgage it was $845.

For renter-occupied houses, the median gross rent for 46032 was $1,642. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.