AreaProfile

46360Michigan City, Indiana

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 46360.

69
Area Score
Top 27% of 3,833 published profiles

How we calculate this

How this area ranks
OpportunityTop 39% of 4,073 published ZIP areas60
Growth2979th of 3,947 published ZIP areas35
Housing affordabilityTop 14% of 4,553 published ZIP areas96
Climate3585th of 4,621 published ZIP areas62
Physical resilienceTop 9% of 4,554 published ZIP areas91
Access3445th of 4,623 published ZIP areas87
Economic stability4281st of 4,591 published ZIP areas29
The quick read

Housing is more affordable relative to local incomes than in most published city profiles, with rent taking 20% of median household income.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 46360 in the top 9% for physical resilience.

Its Area Score of 69 places 46360 in the top 27% of published ZIP profiles.

At a glance

Population
43,817
2024 ACS 5-Year
Median household income
$59,266
Bottom 28% nationally
Density
572/sq mi
76.6 sq mi of land
Median age
41.2
2024 ACS 5-Year
City
Michigan City
Indiana
Metro area
Michigan City-La Porte, IN
Nearest major airport
SBN
28 mi · South Bend Intl
Median home value
$167,300
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.1% is lower than 69% of the 4,387 measured US ZIP areas.

Employment grew 0.4% over the past year, to 13,417 employed residents.

MetricValueCompared with peersSource period
Median household income ±$3,586$59,266Bottom 28%2024 ACS 5-Year
Per capita income ±$1,891$34,689Bottom 43%2024 ACS 5-Year
Poverty rate17.3%Top 25%2024 ACS 5-Year
Average commute24.0 minBottom 30%2024 ACS 5-Year
Bachelor's degree or higher23.8%Top 48%2024 ACS 5-Year
Employment13,417Bottom 4%June 2026
Employment change (3 years)1.1%Top 36%June 2026
Employment change (year over year)0.4%Top 20%June 2026
Labor force13,991Bottom 4%June 2026
Labor force participation54.0%Bottom 28%2024 ACS 5-Year
Mean annual wage$54,410Bottom 5%2025 OEWS
Median annual wage$45,540Bottom 9%2025 OEWS
Unemployment change (year over year)-0.7%Bottom 11%June 2026
Unemployment rate4.1%Bottom 31%June 2026
Median household income, successive ACS releases
202120222023202460k52k
Each point is a separate five-year estimate, most recently $59,266 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Michigan City-La Porte, IN
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers1,520$28,250
Retail Salespersons1,460$29,840
Cashiers1,040$28,520
Home Health and Personal Care Aides930$35,170
Laborers and Freight, Stock, and Material Movers, Hand870$37,820
Miscellaneous Assemblers and Fabricators850$41,060

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Michigan City, IN, the city containing this ZIP code.

Housing & affordability

How it’s calculated →

Median rent of $976 takes 20% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.8 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
19.8%
Below the 30% cost-burdened threshold
Home price to income
2.8×
median home value ÷ median income
Median gross rent
$976
2024 ACS 5-Year
Median home value
$167,300
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.82Bottom 41%2024 ACS 5-Year
Homeownership rate68.2%Bottom 26%2024 ACS 5-Year
Housing units ±48221,693Top 3%2024 ACS 5-Year
Median gross rent ±$35$976Bottom 47%2024 ACS 5-Year
Median home value ±$5,294$167,300Bottom 34%2024 ACS 5-Year
Rent as a share of income19.8%Top 36%2024 ACS 5-Year
Vacancy rate15.8%Top 36%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
35/ 100
Ranks 2979 of 3,947 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 0.9 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
28
12 months ending July 2026
Per 1,000 residents
0.9
Bottom 19% nationally
Year over year
−7%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Michigan City, IN, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 85°F and January a low of 18°F.

Normal annual precipitation is 33.4 inches.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station VALPARAISO PORTER CO MUNI AP, 17.9 miles from this location.
Precipitation
JFMAMJJASOND3.9"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation33.4"1991-2020 Normals
Average January low18°F1991-2020 Normals
Average July high85°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing48°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

91 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado, hail and strong wind.

TornadoModerate
HailModerate
Strong windModerate
EarthquakeModerate
Heat waveModerate

Low or minimal exposure: cold wave, winter weather, inland flooding, lightning, landslide, ice storm, wildfire, coastal flooding, hurricane.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

4 major airports lie within 100 miles, the nearest 28 miles away.

AirportCodeDistanceLongest runway
South Bend IntlSBN28 mi8,412 ft
Gary/Chicago IntlGYY29 mi8,859 ft
Chicago O'Hare IntlORD57 mi11,245 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
69
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

46360 vs Michigan City

How this ZIP area compares with Michigan City as a whole. Both figures come from the same ACS release, so the comparison is like for like.

46360
Michigan City
Median household income
$59,266
vs
$53,089
Per capita income
$34,689
vs
$29,810
Population density
572/sq mi
vs
1,542/sq mi
Median home value
$167,300
vs
$143,100
Median gross rent
$976
vs
$967
Homeownership rate
68.2%
vs
58.8%
Bachelor's degree or higher
23.8%
vs
20.3%
Poverty rate
17.3%
vs
19.7%
Median age
41.2
vs
38.8

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.