PlainCities

Census tract · Lake County

Census Tract 103.04, Lake County, Indiana

Census Tract 103.04, GEOID 18089010304, in Lake County, Indiana, entirely within Gary and Calumet Township. 2,445 residents in the ACS 2020-2024 5-year estimates (±413); the 2020 Census counted 3,048.

Residents, 2020-2024

2,445

±413 (90% margin)
2020 Census count: 3,048

Median household income

$40,010

±$15,917 (90% margin)
Lake County: $71,493

Median home value

$100,200

±$70,945 (90% margin)
Lake County: $230,600

Median gross rent

$1,153

±$195 (90% margin)
Lake County: $1,131

Where is Census Tract 103.04?

Census Tract 103.04 is one of 132 census tracts in Lake County, Indiana. It covers 5.99 square miles of land, 509 residents per square mile in 2020. Its GEOID, 18089010304, names it uniquely (how tract numbers and GEOIDs work).

Places Census Tract 103.04 lies in (share of its 2020 census blocks)
PlaceShare of the tract
Gary100%
Calumet Township100%
Census Tract 103.04 (marked with a dot) in Lake County, Indiana. Boundaries: Census Bureau 2024.
102.03103.02210303307309 103.04 2 mi
Census Tract 103.04 (shaded) and the tracts that border it, numbered. Boundaries: Census Bureau 2024 cartographic boundary file, 1:500,000.

7 census tracts border Census Tract 103.04: Tract 102.03 ($42,155), Tract 103.02 ($34,930), Tract 210 ($65,752), Tract 301 ($12,674), Tract 303 ($26,181), Tract 307 ($47,069) and Tract 309 ($60,475). The figure in brackets is each tract's median household income.

Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.

Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files

How many people live in Census Tract 103.04?

The 2020-2024 American Community Survey puts Census Tract 103.04's population at 2,445 (±413) in 981 households; the 2020 Census counted 3,048 residents and 1,357 housing units.

Counts, ACS 2020-2024 5-year estimates
MeasureTract 103.04GaryLake CountyIndiana
Total population2,445±41368,113500,3796,851,073
Households981±11127,227195,1302,716,009
Average household size2.49±0.322.482.542.46
Housing units1,238±12437,816217,4362,976,568

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov

Who lives in Census Tract 103.04?

The median resident of Census Tract 103.04 is 40.9 years old; 27.4% are under 18 and 19.9% are 65 or older. The largest group is non-Hispanic Black residents at 75.3%, then Hispanic or Latino residents (of any race) at 19.4%.

Age, origin, education, ACS 2020-2024 5-year estimates. Race groups are non-Hispanic; Hispanic includes any race.
MeasureTract 103.04GaryLake CountyIndiana
Median age40.9±13.436.539.738.1
Under 18 years27.4%±9.7 pts28.5%23.2%23.3%
65 years and over19.9%±4.7 pts18.9%17.9%16.8%
Hispanic or Latino (any race)19.4%±10.9 pts10.4%20.9%8.6%
White alone, not Hispanic2.0%±2.9 pts9.4%51.4%75.4%
Black or African American alone, not Hispanic75.3%±10.0 pts75.7%22.7%9.1%
Asian alone, not Hispanic0.0%±1.5 pts0.4%1.6%2.6%
American Indian and Alaska Native alone, not Hispanic0.0%±1.5 pts0.1%0.1%0.1%
Native Hawaiian and Other Pacific Islander alone, not Hispanic0.0%±1.5 pts0.0%0.0%0.0%
Two or more races, not Hispanic2.8%±2.7 pts3.3%2.9%3.8%
Some other race alone, not Hispanic0.6%±1.0 pts0.7%0.4%0.4%
Born outside the United States3.3%±4.0 pts2.4%7.3%6.3%
Speak a language other than English at home (age 5+)12.5%±6.9 pts6.1%15.1%10.3%
Civilian veterans (age 18+)3.7%±3.2 pts7.2%5.8%6.3%
With a disability30.6%±8.0 pts19.4%13.6%14.2%
No health insurance coverage4.8%±4.0 pts8.1%6.6%7.4%
High school graduate or higher (age 25+)82.7%±7.2 pts86.4%90.2%90.4%
Bachelor's degree or higher (age 25+)4.9%±4.3 pts14.8%25.8%29.5%
Graduate or professional degree (age 25+)0.6%±1.0 pts5.0%8.5%10.8%
Lived in the same house a year earlier93.6%±7.2 pts86.0%90.5%87.3%

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov

What do households in Census Tract 103.04 earn?

Half of the 981 households in Census Tract 103.04 earn less than $40,010 a year (±$15,917), against $71,493 across Lake County: 106th highest of the county's 128 tracts with a reliable estimate. 39.7% of residents live below the poverty line.

Income and poverty in 2024 dollars, ACS 2020-2024 5-year estimates
MeasureTract 103.04GaryLake CountyIndiana
Median household income$40,010±$15,917$38,731$71,493$71,957
Mean household income$41,493±$10,583$56,358$93,636$95,247
Per capita income$16,901±$4,586$23,453$37,284$38,351
People below the poverty line39.7%±16.4 pts33.1%14.3%12.3%
Children under 18 below the poverty line69.5%±24.6 pts53.1%21.6%16.0%
Households receiving SNAP39.2%±13.5 pts30.2%12.9%9.1%
Households with a computer87.9%±9.0 pts91.1%94.1%94.6%
Households with a broadband subscription83.2%±9.7 pts82.2%89.7%89.9%

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov

What does housing cost in Census Tract 103.04?

Owners occupy 54.0% of Census Tract 103.04's occupied homes and renters 46.0%. The median renter pays $1,153 a month including utilities, and 37.4% of renters pay 35% or more of their income on rent.

Housing, ACS 2020-2024 5-year estimates
MeasureTract 103.04GaryLake CountyIndiana
Median home value (owner-occupied)$100,200±$70,945$94,700$230,600$218,200
Median gross rent$1,153±$195$1,012$1,131$1,062
Renters paying 35% or more of income on rent37.4%±22.7 pts51.8%44.8%38.9%
Median monthly owner costs, with a mortgage$984±$574$1,175$1,529$1,404
Owner-occupied homes54.0%±9.4 pts49.1%71.7%70.6%
Renter-occupied homes46.0%±9.4 pts50.9%28.3%29.4%
Housing units1,238±12437,816217,4362,976,568
Single-family detached homes93.0%±6.0 pts71.9%71.3%72.6%
Mobile homes2.3%±3.7 pts2.5%1.5%4.4%
Built 2020 or later0.0%±3.0 pts0.3%1.1%1.7%
Built 2010 to 20193.2%±3.2 pts2.2%5.7%8.0%
Built 1939 or earlier10.3%±5.3 pts17.3%14.6%16.0%
Households with no vehicle16.3%±10.3 pts13.6%7.2%6.2%

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov

How do people in Census Tract 103.04 get to work?

79.1% of Census Tract 103.04's workers drive alone. The average trip to work takes 28.4 minutes.

Work and commuting, ACS 2020-2024 5-year estimates
MeasureTract 103.04GaryLake CountyIndiana
In the labor force (age 16+)41.0%±11.2 pts50.2%61.1%63.8%
Unemployment rate4.6%±4.9 pts11.0%6.1%4.3%
Drove alone to work79.1%±13.3 pts74.7%79.6%76.3%
Carpooled11.0%±11.6 pts13.0%8.0%9.1%
Public transportation0.0%±5.1 pts1.9%1.4%0.6%
Walked0.0%±5.1 pts1.0%1.2%1.9%
Worked from home10.0%±10.2 pts6.6%8.2%10.7%
Mean travel time to work28.4 min±5.225.9 min28.5 min24.1 min

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov

How does Census Tract 103.04 compare with the other tracts in Lake County?

Among Lake County's tracts with a reliable estimate, Census Tract 103.04 ranks as shown below (1 = highest).

Census Tract 103.04's rank among the tracts of Lake County and of Gary
MeasureIn Lake CountyIn Gary
Population101st of 13113th of 33
Residents per square mile121st of 13131st of 33
Median household income106th of 12815th of 32
Per capita income123rd of 13028th of 32
Median gross rent55th of 1167th of 31
Poverty rate21st of 9015th of 30
Median age56th of 1308th of 32
Owner-occupied share88th of 12811th of 32

The tracts next to it on Lake County's income ladder

Median household income, ACS 2020-2024 5-year estimates
TractRankMedian household incomeResidents
Tract 415103rd$40,923±$11,036 · within the margin of this tract1,473
Tract 208104th$40,914±$6,899 · within the margin of this tract4,311
Tract 105105th$40,639±$14,839 · within the margin of this tract842
Tract 103.04106th$40,010±$15,9172,445
Tract 207107th$39,327±$4,398 · within the margin of this tract4,790
Tract 126108th$37,266±$11,052 · within the margin of this tract2,128
Tract 110109th$37,218±$18,744 · within the margin of this tract1,578

"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.

Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed

How reliable are the figures for Census Tract 103.04?

5 of the 18 figures for Census Tract 103.04 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.

A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov

How these figures are made: methodology and release checks · reading a margin of error · every state · corrections