ZIP Code 46303 — Cedar Lake town, IN Demographics & Data

ZIP code 46303 covers Cedar Lake, IN in Lake County with a population of about 16,910.

At a glance, the area shows median age of 40.7 versus a U.S. median of about 38.9.

It sits in telephone area code 219; U.S. House district IN-1; the CHICAGO media market.

Median household income in ZIP 46303 is about $78,659 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 4.8%; 24.2% of adults with a bachelor’s degree or higher (about 9.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Construction; about 6.0% of workers reporting work-from-home (about 9.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $271,700 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $943 (about 19% below the U.S. median rent ($1,163)), and owner-occupancy near 82.4% (about 17.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 46303 in Cedar Lake, IN, a household would need roughly $75,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,745. That is roughly in line with the local median household income ($78,659). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cedar Lake town, IN as Relatively High (composite score 95.9), which is among the highest nationally. The strongest component scores on US5 are flood (96.2) and wildfire (66.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cedar Lake town, IN show little to no average snow and around 39.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 777 for ZIP 46303 (Cedar Lake town, IN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.