City

Carmel, IN

3 ZIP codes  ·  Hamilton County  ·  Indiana

👥91,334Population
💰$135,348Median HH Income▲ 77% above avg
🎂40.6Median Age
🏠$461,738Median Home Value▲ 66% above avg
🎓78.7%College Grads▲ 103% above avg
📊2.9%Unemployment▼ 41% below avg
People & Population (ACS 2023 — weighted avg)
♂ Male 47.4% Female 52.6% ♀

Race & Ethnicity

White: 77.8%Hispanic: 5.9%Black: 3.5%Asian: 9%Other: 3.2%Race
White77.8%
Hispanic5.9%
Black3.5%
Asian9.0%
Other3.2%

Age Breakdown

Under 5
5%
5–17
20%
18–24
7%
25–44
24%
45–64
28%
65+
7%

Key Indicators

Median Age40.6 yrs
Avg HH Size2.63
Below Poverty3.5% ▼ 65% below avg
College Grads78.7% ▲ 103% above avg
Unemployment2.9% ▼ 41% below avg
No HS Diploma375 (0.7%)
HS Graduate4,534 (7.9%)
Some College2,575 (4.5%)
Associates4,761 (8.3%)
Bachelors3,062 (5.3%)
Graduate Degree42,265 (73.4%)

Education

No HS: 0.7%HS Grad: 7.9%Some College: 4.5%Associates: 8.3%Bachelors: 5.3%Graduate: 73.4%Edu
No HS0.7%
HS Grad7.9%
Some College4.5%
Associates8.3%
Bachelors5.3%
Graduate73.4%
Housing & Income

Housing Tenure

Owner: 75.8%Renter: 24.2%Tenure
Owner75.8%
Renter24.2%

Home Value Distribution

Under $50k
1%
$50k–$100k
1%
$100k–$150k
1%
$150k–$200k
3%
$200k–$300k
11%
$300k–$500k
44%
Over $500k
40%

Financials

Median HH Income$135,348 ▲ 77% above avg
Median Home Value$461,738 ▲ 66% above avg
Home/Income Ratio3.4x (nat avg ~3.5x)
Median Rent$1,555/mo
Total Housing Units36,843
Vacant Units2,059

Income Distribution

Under $25k
6%
$25k–$50k
8%
$50k–$75k
13%
$75k–$100k
10%
$100k–$150k
16%
$150k–$200k
13%
Over $200k
34%
Employment & Commute

How People Get to Work

Drove Alone
73%
Public Transit
0%
Walked
1%
Work From Home
25%

Commute Time

Under 15 min
28%
15–30 min
35%
30–45 min
25%
Over 45 min
11%
Housing Stock

Year Built

Before 1940
0%
1940s–1950s
3%
1960s–1970s
16%
1980s–1990s
24%
2000+
57%
About Carmel, IN

Carmel is a city in Indiana, located in Hamilton County. The city spans 3 ZIP codes and is home to approximately 91,334 residents. It is a middle-aged city, with a median age of 40.62 years.

Economically, Carmel is a upper-middle-income community. The median household income of $135,347 is significantly above the national average. Approximately 3.5% of residents live below the poverty line. The unemployment rate is 2.9%, below the national average.

The real estate market in Carmel is a premium housing market. Median home values stand at $461,738, which is significantly above the national average. Renters typically pay around $1,554 per month. Homeownership is high at 75.8%, typical of suburban and family-oriented communities.

The population of Carmel is highly educated. 78.7% of adults hold a bachelor's degree or higher — more than double the national average. The community is primarily White (77.84%).

Carmel, IN offers residents above-average earning potential within Indiana. Spread across 3 ZIP codes, the city's neighborhoods vary in character, density, and demographics — explore each ZIP code below for a detailed breakdown.

ZIP Codes in Carmel
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
46032 51,181 $123,438 $464,200 $1,522 3.2% 79.8% 67.1%
46033 40,153 $150,529 $458,600 $1,597 2.4% 77.4% 86.9%