Census tract · Lake County
Census Tract 428.04, Lake County, Indiana
Census Tract 428.04, GEOID 18089042804, in Lake County, Indiana, entirely within St. John Township. 4,417 residents in the ACS 2020-2024 5-year estimates (±618); the 2020 Census counted 4,247.
Residents, 2020-2024
4,417
±618 (90% margin)
2020 Census count: 4,247
Median household income
$98,295
±$35,907 (90% margin)
Lake County: $71,493
Median home value
$335,200
±$50,088 (90% margin)
Lake County: $230,600
Median gross rent
not published
Lake County: $1,131
Where is Census Tract 428.04?
Census Tract 428.04 is one of 132 census tracts in Lake County, Indiana. It covers 2.56 square miles of land, 1,658 residents per square mile in 2020. Its GEOID, 18089042804, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| St. John Township | 100% |
| Dyer | 86% |
| Schererville | 14% |
4 census tracts border Census Tract 428.04: Tract 404.02 ($167,083), Tract 427.03 ($84,006), Tract 428.02 ($123,246) and Tract 428.03 ($98,277). 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 428.04?
The 2020-2024 American Community Survey puts Census Tract 428.04's population at 4,417 (±618) in 1,934 households; the 2020 Census counted 4,247 residents and 1,767 housing units.
| Measure | Tract 428.04 | St. John Township |
|---|---|---|
| Total population | 4,417 ±618 | 70,429 |
| Households | 1,934 ±311 | 27,145 |
| Average household size | 2.27 ±0.14 | 2.57 |
| Housing units | 1,993 ±319 | 27,851 |
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 428.04?
The median resident of Census Tract 428.04 is 45.1 years old; 20.7% are under 18 and 26.1% are 65 or older. The largest group is non-Hispanic white residents at 76.6%, then Hispanic or Latino residents (of any race) at 13.2%. 10.4% of residents were born outside the United States.
| Measure | Tract 428.04 | St. John Township |
|---|---|---|
| Median age | 45.1 ±8.5 | 44.6 |
| Under 18 years | 20.7% ±4.8 pts | 20.7% |
| 65 years and over | 26.1% ±6.3 pts | 21.3% |
| Hispanic or Latino (any race) | 13.2% ±7.0 pts | 13.8% |
| White alone, not Hispanic | 76.6% ±7.0 pts | 75.9% |
| Black or African American alone, not Hispanic | 2.4% ±1.7 pts | 4.6% |
| Asian alone, not Hispanic | 6.3% ±1.9 pts | 2.1% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Two or more races, not Hispanic | 1.3% ±0.9 pts | 2.6% |
| Some other race alone, not Hispanic | 0.2% ±0.4 pts | 0.8% |
| Born outside the United States | 10.4% ±3.5 pts | 7.5% |
| Speak a language other than English at home (age 5+) | 13.5% ±3.9 pts | 12.9% |
| Civilian veterans (age 18+) | 2.1% ±1.2 pts | 5.3% |
| With a disability | 16.5% ±6.1 pts | 10.7% |
| No health insurance coverage | 1.7% ±1.8 pts | 3.0% |
| High school graduate or higher (age 25+) | 94.5% ±2.5 pts | 95.2% |
| Bachelor's degree or higher (age 25+) | 45.1% ±7.5 pts | 36.5% |
| Graduate or professional degree (age 25+) | 21.2% ±6.7 pts | 12.8% |
| Lived in the same house a year earlier | 94.1% ±3.9 pts | 94.1% |
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 428.04 earn?
Half of the 1,934 households in Census Tract 428.04 earn less than $98,295 a year (±$35,907), against $71,493 across Lake County: 23rd highest of the county's 128 tracts with a reliable estimate.
| Measure | Tract 428.04 | St. John Township |
|---|---|---|
| Median household income | $98,295 ±$35,907 | $103,035 |
| Mean household income | $144,916 ±$35,080 | $126,791 |
| Per capita income | $64,610 ±$15,168 | $49,806 |
| People below the poverty line | 16.4% ±13.0 pts | 5.9% |
| Children under 18 below the poverty line | 33.3% ±26.1 pts | 7.3% |
| Households receiving SNAP | 15.1% ±15.3 pts | 3.7% |
| Households with a computer | 96.6% ±3.4 pts | 96.7% |
| Households with a broadband subscription | 94.5% ±3.7 pts | 93.5% |
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 428.04?
Owners occupy 78.5% of Census Tract 428.04's occupied homes and renters 21.5%. The median owner-occupied home is valued at $335,200 by its owner (±$50,088).
| Measure | Tract 428.04 | St. John Township |
|---|---|---|
| Median home value (owner-occupied) | $335,200 ±$50,088 | $336,900 |
| Renters paying 35% or more of income on rent | 86.5% ±20.0 pts | 43.0% |
| Median monthly owner costs, with a mortgage | $1,871 ±$206 | $1,796 |
| Owner-occupied homes | 78.5% ±14.3 pts | 87.0% |
| Renter-occupied homes | 21.5% ±14.3 pts | 13.0% |
| Housing units | 1,993 ±319 | 27,851 |
| Single-family detached homes | 66.1% ±9.2 pts | 72.4% |
| Mobile homes | 0.7% ±1.0 pts | 0.1% |
| Built 2020 or later | 2.5% ±3.2 pts | 1.4% |
| Built 2010 to 2019 | 16.4% ±7.0 pts | 8.0% |
| Built 1939 or earlier | 0.8% ±1.0 pts | 2.5% |
| Households with no vehicle | 5.6% ±3.9 pts | 2.5% |
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 428.04 get to work?
87.8% of Census Tract 428.04's workers drive alone and 10.0% work from home. The average trip to work takes 29.2 minutes.
| Measure | Tract 428.04 | St. John Township |
|---|---|---|
| In the labor force (age 16+) | 59.9% ±7.6 pts | 63.5% |
| Unemployment rate | 1.5% ±1.5 pts | 4.2% |
| Drove alone to work | 87.8% ±6.1 pts | 80.1% |
| Carpooled | 2.2% ±2.8 pts | 4.7% |
| Public transportation | 0.0% ±1.8 pts | 1.5% |
| Walked | 0.0% ±1.8 pts | 0.9% |
| Worked from home | 10.0% ±5.4 pts | 12.2% |
| Mean travel time to work | 29.2 min ±4.7 | 31.1 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 428.04 compare with the other tracts in Lake County?
Among Lake County's tracts with a reliable estimate, Census Tract 428.04 ranks as shown below (1 = highest).
| Measure | In Lake County |
|---|---|
| Population | 47th of 131 |
| Residents per square mile | 81st of 131 |
| Median household income | 23rd of 128 |
| Per capita income | 4th of 130 |
| Median home value | 16th of 122 |
| Bachelor's degree or higher | 9th of 117 |
| Median age | 30th of 130 |
| Owner-occupied share | 46th of 128 |
The tracts next to it on Lake County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 434.04 | 20th | $99,663±$6,903 · within the margin of this tract |
| Tract 432.01 | 21st | $99,536±$43,024 · within the margin of this tract |
| Tract 429.04 | 22nd | $99,398±$10,530 · within the margin of this tract |
| Tract 428.04 | 23rd | $98,295±$35,907 |
| Tract 428.03 | 24th | $98,277±$11,124 · within the margin of this tract |
| Tract 403.01 | 25th | $96,405±$9,033 · within the margin of this tract |
| Tract 434.05 | 26th | $93,789±$21,095 · within the margin of this tract |
"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 428.04?
2 of the 17 figures for Census Tract 428.04 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