ZIP Code Tabulation Area

46385

Valparaiso, 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
40,856
Median household income
$98,957
People below poverty
8%
Median home value
$331,700

Income

The median income of households in 46385 was $98,957. An estimated 2.2% of households had income below $10,000 a year and 16% had income of $200,000 or more.

Household Income in 46385 in 2020-2024

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Percent
Less than $10,000 2.2
$10,000 to $14,999 1.8
$15,000 to $24,999 3.8
$25,000 to $34,999 4.6
$35,000 to $49,999 8.9
$50,000 to $74,999 16.1
$75,000 to $99,999 13.1
$100,000 to $149,999 20
$150,000 to $199,999 13.5
$200,000 or more 16

Median Earnings for Full-Time Year-Round Workers by Sex in 46385 in 2020-2024

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Dollars
Male 81707
Female 55828

An estimated 76.3% of households received earnings. An estimated 34.8% of households received Social Security and an estimated 30.8 % of households received retirement income other than Social Security. The average income from Social Security was $29,411. 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 46385 in 2020-2024

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Percent
Earnings 76.3
Social Security 34.8
Retirement income 30.8
Supplemental Security Income (SSI) 3.9
Cash public assistance income 1.3

Poverty and Participation in Government Programs

In 2020-2024, 8 % of people were in poverty. An estimated 8% of children under 18 were below the poverty level, compared with 6% of people 65 years old and over. An estimated 8.6% of people 18 to 64 years were below the poverty level.

Poverty Rates in 46385 in 2020-2024

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Percent
People in poverty 8
Children under 18 years below poverty 8
People 65 years old and over below poverty 6
People 18 to 64 years below poverty 8.6

In 2020-2024, 4.1 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 63.6% of households that received SNAP had children under 18, and 28.9% of households that received SNAP had one or more people 60 years and over. An estimated 24.9% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 46385 in 2020-2024, 95.6% had health insurance coverage and 4.4% did not have health insurance coverage. Private coverage was 77.9% and public coverage was 32.6%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 3%.


In 2020-2024, 46385 had a total population of 40,856 - 20,431 (50%) females and 20,425 (50%) males. The median age was 43.2 years. An estimated 21.3% of the population was under 18 years, 28% was 19 to 44 years, 28.6% was 45 to 64 years, and 19.6 % was 65 years and older.

Population by Age and Sex for 46385 in 2020-2024

Male Female
Under 5 973 1142
5 to 9 945 1099
10 to 14 1236 1356
15 to 19 1640 1344
20 to 24 1397 1002
25 to 29 1288 955
30 to 34 1045 823
35 to 39 1295 1439
40 to 44 1192 986
45 to 49 1377 1405
50 to 54 1397 1405
55 to 59 1653 1507
60 to 64 1331 1609
65 to 69 1293 1336
70 to 74 1079 1178
75 to 79 694 760
80 to 84 362 648
85 and over 228 437

Hispanic Origin and Race

For people reporting one race alone, 85.5% were White; 2% were Black or African American; 7.7% were American Indian and Alaska Native; 2% were Asian; 1.1% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 7.7% reported Two or More Races. An estimated 9.3% of the people in 46385 were Hispanic or Latino. An estimated 82.4% of the people in 46385 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 15,269 households in 46385. The average household size was 2.66 people.

Married-couple households made up 61.6% of the households in 46385 while cohabiting couple households made up 7.6% of households. Female householders with no spouse or partner present were 18.8% of all households, while 12% of households had male householders with no spouse or partner present. Some households had one person, as 8.5% of households were male householders living alone, and 13.5% were female householders living alone, for a total of 22% of all households.

In 46385, 30.4% of all households had one or more people under the age of 18; 34.2% of all households had one or more people 65 years and over.

Types of Households in 46385 in 2020-2024

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Percent
Married-couple households 61.6
Cohabiting Couples 7.6
Male Householder
No spouse/partner present
12
Female Householder
No spouse/partner present
18.8

Marital Status

Among persons 15 and older, 57.1% of males and 56.7% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 31.5 21.1
Now married, except separated 57.1 56.7
Separated 0.3 0.7
Widowed 1.9 9.5
Divorced 9.2 12

Grandparents and Grandchildren

In 46385, 761 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 22.3% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 96% of the people living in 46385 were U.S. natives. 66% of the 46385 population were living in the state where they were born.

Approximately 4% of 46385 residents in 2020-2024 were foreign-born. 58.4% of foreign-born were naturalized U.S. citizens and an estimated 62.8 % entered the country before the year 2010.

Foreign-born residents of 46385 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 46385.

Region of Birth for the Foreign-Born Population in 46385 in 2020-2024

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Percent
Latin America 24.9
Asia 35.6
Europe 31.4
Africa 1.8
Northern America 5.5
Oceania 0.7

Language

Among people at least five years old living in 46385 in 2020-2024, 7.3 % spoke a language other than English at home. Spanish was spoken by 3% of people at least five years old; 1.8% 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 46385 in 2020-2024

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Percent
Spanish 3
Other Indo-European languages 3.2
Asian and Pacific Islander languages 1.1
Other languages 0.1

Geographic Mobility

In 2020-2024, 92.2 % of the people at least one year old living in 46385 were living in the same house one year earlier.

Geographic Mobility of Residents of 46385 in 2020-2024

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Percent
Same house 92.2
Different house, same county 4.7
Different county, same state 1.9
Different state 1.2
Abroad 0.1

Education

In 2020-2024, 94.4 % of people 25 years and over had at least graduated from high school and 35.1% had a bachelor's degree or higher. An estimated 5.6% did not complete high school.

The total school enrollment in 46385 was 8,877 in 2020-2024. Nursery school enrollment was 499 and kindergarten through 12th grade enrollment was 6,638. College or graduate school enrollment was 1,740.

Educational Attainment of People in 46385 in 2020-2024

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Percent
Less than high school diploma 5.6
High school diploma or equivalency 30.6
Some college, no degree 20.1
Associate's degree 8.6
Bachelor's degree 19.7
Graduate or professional degree 15.4

Disability

In 46385, among the civilian noninstitutionalized population in 2020-2024, 10.3 % reported a disability. The likelihood of having a disability varied by age - from 2.8% of people under 18 years old, to 8.3% of people 18 to 64 years old, and to 24.7% of those 65 and over.


Employment Status and Type of Employer

In 46385, 59.1 % of the population 16 and over were employed; 38.9% were not currently in the labor force.

An estimated 83.9% of the people employed were private wage and salary workers; 11.4% were federal, state, or local government workers; and 4.3 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 16,537 83.9
Federal, state, or local government workers 2,255 11.4
Self-employed workers in own not incorporated business 849 4.3

Industries

In 2020-2024, the civilian employed population 16 years and older in 46385 worked in the following industries:

Percent by Industry in 46385 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.2
Construction 7.4
Manufacturing 19.1
Wholesale trade 1.3
Retail trade 11.4
Transportation and warehousing, and utilities 5
Information 0.9
Finance and insurance, and real estate and rental and leasing 5.3
Professional, scientific, and management, and administrative and waste management services 8.7
Educational services, and health care and social assistance 23.3
Arts, entertainment, and recreation, and accommodation, and food services 9.2
Other Services, except public administration 4.8
Public administration 3.4

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 46385 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 8,313 42.2
Service occupations 2,563 13
Sales and office occupations 4,071 20.7
Natural resources, construction, and maintenance occupations 2,239 11.4
Production, transportation, and material moving occupations 2,522 12.8

Commuting to Work

An estimated 84.8% of 46385 workers drove to work alone in 2020-2024, and 4.9% carpooled. Among those who commuted to work, it took them on average 29.9 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 46385 in 2020-2024

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Percent
Car, truck, van -- drove alone 84.8
Car, truck, van -- carpooled 4.9
Public transportation (excluding taxicab) 0.2
Walked 0.9
Other means 0.9
Worked from home 8.2

In 2020-2024, 46385 had a total of 15,958 housing units. Of these housing units, 90.7% 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"). 6.7% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 2.6% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 46385 in 2020-2024

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Percent
Single-family houses 90.7
Apartments in multi-unit structures 6.7
Mobile homes 2.6
Boat, RV, van, etc 0

10.5% of the housing inventory was comprised of houses built since 2010, while 4.9% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 46385 was 6.5 rooms, and of these housing units 85.3% had three or more bedrooms.


In 2020-2024, 46385 had 15,269 housing units that were occupied or had people living in them, while the remaining 689 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 86.6% while renters occupied 13.4%. The average household size of owner-occupied houses was 2.67 and in renter-occupied houses it was 2.64.

3.2% of householders of these occupied houses had moved into their house since 2021, while 12.3% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 1.6% and another 29.5% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 46385:

House Heating Fuel Used in 46385 in 2020-2024

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Percent
Gas 92.8
Electricity 6.2
Fuel oil, kerosene, etc 0.2
All other fuels 0.7
No fuel used 0.1

In 2020-2024, the median property value for owner-occupied houses in 46385 was $331,700.

Of the owner-occupied households, 69 % had a mortgage. 31% 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 $1,768 and for owners without a mortgage it was $662.

For renter-occupied houses, the median gross rent for 46385 was $1,346. 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.