HousingHandbookReference data

U.S. ZIP Code · IN46407

Lake County · Chicago-Naperville-Elgin, IL-IN

Typical home value

$60,433[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-4.3%
5-year / yr
+5.3%
10-year / yr
+10.8%

Relative price

vs U.S.
-78.7%
vs metro
-82.1%
vs state
-73.9%
ZIP 46407 location in IN
Location of ZIP 46407 in IN

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 46407 is worth $60,433 — 82.1% below the Chicago-Naperville-Elgin, IL-IN median. Over the past year, values have fallen 4.3%. Homes here rent for a typical $1,238 a month — a 24.6% gross rental yield. The effective property tax rate is 0.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,238[2]
Gross yield
24.6%[2]
Cap rate
14.7%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.8%[3]
Typical annual tax
$468[3]

#Climate risk

FEMA National Risk Index ratings for Lake County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively High
Coastal flood
Very Low
Wildfire
Relatively Low
Drought
No Rating
Heat wave
Relatively Moderate
Hurricane
Very Low
Tornado
Very High
Earthquake
Relatively Low
Winter weather
Relatively High

#Who lives here

Population
8,577[3]
Median household income
$28,526[3]

#Migration

Household moves in and out of Lake County over a year, from IRS tax-return data.

Net migration
-162[5]
Moved in
10,188
Moved out
10,350

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
3
Middle
0
High
0
  • Daniel Hale Williams Elem Sch

    Elementary · Grades K–5 · Gary Community School Corp

    448 students

  • Frankie Woods McCullough Academy

    Elementary · Grades PK–5 · Gary Community School Corp

    416 students

  • Mary M Bethune Early Child Dev Ctr

    Elementary · Grades PK–K · Gary Community School Corp

    253 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield24.6%
Net yield (after ~40% expenses)14.7%
Annual rent$14,856

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$306
Loan principal$48,346
Down payment$12,087
Total interest paid$61,663

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio0.32
Monthly cost to own$395
Monthly rent$1,238

Owning is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
35th percentile[1]
Rental yield
100th percentile[2]
Property tax
4th percentile[3]

Rankings

Top-10 lists this ZIP code appears on.

Frequently asked

How much is a home worth in ZIP code 46407?
The typical home in 46407 is worth $60,433, based on the Zillow Home Value Index.
Are home values rising in 46407?
Home values in 46407 are down 4.3% over the past year, and up 5.3% a year over five years.
What is the typical rent in 46407?
A typical home in 46407 rents for about $1,238 a month, a gross rental yield of 24.6%.
What is the property tax rate in 46407?
The effective property tax rate in 46407 is 0.8% — roughly $468 a year on a typical home.
Who lives in 46407?
ZIP code 46407 has a population of 8,577 and a median household income of $28,526.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Gary, IN

    Typical home
    $70,529
    Gross yield
  • Gary, IN

    Typical home
    $78,605
    Gross yield
  • Gary, IN

    Typical home
    $82,041
    Gross yield
  • IN

    Typical home
    $93,779
    Gross yield
  • Gary, IN

    Typical home
    $100,354
    Gross yield
  • Harvey, IL

    Typical home
    $105,735
    Gross yield

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

Compare ZIPs

Pit ZIP 46407 against any other ZIP — full side-by-side table.

Compare 46407

#Jump to section