Census tract · Lake County
Census Tract 431.03, Lake County, Indiana
Census Tract 431.03, GEOID 18089043103, in Lake County, Indiana, entirely within Center Township, Lake County. 3,759 residents in the ACS 2020-2024 5-year estimates (±464); the 2020 Census counted 4,205.
Residents, 2020-2024
3,759
±464 (90% margin)
2020 Census count: 4,205
Median household income
$121,927
±$17,270 (90% margin)
Lake County: $71,493
Median home value
$459,800
±$33,276 (90% margin)
Lake County: $230,600
Median gross rent
$1,320
±$58 (90% margin)
Lake County: $1,131
Where is Census Tract 431.03?
Census Tract 431.03 is one of 132 census tracts in Lake County, Indiana. It covers 2.60 square miles of land, 1,618 residents per square mile in 2020. Its GEOID, 18089043103, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Center Township, Lake County | 100% |
| Crown Point | 84% |
4 census tracts border Census Tract 431.03: Tract 430.01 ($88,807), Tract 430.04 ($80,074), Tract 431.01 ($83,462) and Tract 431.04 ($118,942). 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 431.03?
The 2020-2024 American Community Survey puts Census Tract 431.03's population at 3,759 (±464) in 1,482 households; the 2020 Census counted 4,205 residents and 1,543 housing units.
| Measure | Tract 431.03 | Center Township, Lake County |
|---|---|---|
| Total population | 3,759 ±464 | 39,607 |
| Households | 1,482 ±172 | 13,875 |
| Average household size | 2.54 ±0.18 | 2.82 |
| Housing units | 1,482 ±172 | 14,576 |
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 431.03?
The median resident of Census Tract 431.03 is 45.7 years old; 19.7% are under 18 and 17.7% are 65 or older. The largest group is non-Hispanic white residents at 80.2%, then Hispanic or Latino residents (of any race) at 10.3%. 8.5% of residents were born outside the United States.
| Measure | Tract 431.03 | Center Township, Lake County |
|---|---|---|
| Median age | 45.7 ±3.4 | 40.2 |
| Under 18 years | 19.7% ±3.7 pts | 25.8% |
| 65 years and over | 17.7% ±3.9 pts | 17.0% |
| Hispanic or Latino (any race) | 10.3% ±5.9 pts | 8.8% |
| White alone, not Hispanic | 80.2% ±7.9 pts | 83.1% |
| Black or African American alone, not Hispanic | 3.8% ±4.7 pts | 2.5% |
| Asian alone, not Hispanic | 3.0% ±1.9 pts | 1.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.4% ±0.5 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.0 pts | 0.0% |
| Two or more races, not Hispanic | 2.0% ±1.5 pts | 3.9% |
| Some other race alone, not Hispanic | 0.3% ±0.5 pts | 0.1% |
| Born outside the United States | 8.5% ±3.9 pts | 5.1% |
| Speak a language other than English at home (age 5+) | 12.0% ±7.1 pts | 8.2% |
| Civilian veterans (age 18+) | 4.5% ±2.8 pts | 5.7% |
| With a disability | 9.2% ±2.9 pts | 10.7% |
| No health insurance coverage | 2.0% ±1.5 pts | 4.2% |
| High school graduate or higher (age 25+) | 97.5% ±2.1 pts | 95.5% |
| Bachelor's degree or higher (age 25+) | 50.4% ±7.7 pts | 34.6% |
| Graduate or professional degree (age 25+) | 20.0% ±5.1 pts | 11.5% |
| Lived in the same house a year earlier | 92.1% ±4.5 pts | 93.1% |
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 431.03 earn?
Half of the 1,482 households in Census Tract 431.03 earn less than $121,927 a year (±$17,270), against $71,493 across Lake County: 11th highest of the county's 128 tracts with a reliable estimate. 3.2% of residents live below the poverty line.
| Measure | Tract 431.03 | Center Township, Lake County |
|---|---|---|
| Median household income | $121,927 ±$17,270 | $102,336 |
| Mean household income | $170,714 ±$23,630 | $124,012 |
| Per capita income | $68,178 ±$10,811 | $43,598 |
| People below the poverty line | 3.2% ±2.0 pts | 7.3% |
| Children under 18 below the poverty line | 3.4% ±5.1 pts | 11.2% |
| Households receiving SNAP | 0.9% ±1.1 pts | 4.9% |
| Households with a computer | 97.9% ±1.9 pts | 96.2% |
| Households with a broadband subscription | 97.8% ±2.0 pts | 93.3% |
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 431.03?
Owners occupy 88.5% of Census Tract 431.03's occupied homes and renters 11.5%. The median owner-occupied home is valued at $459,800 by its owner (±$33,276). The median renter pays $1,320 a month including utilities.
| Measure | Tract 431.03 | Center Township, Lake County |
|---|---|---|
| Median home value (owner-occupied) | $459,800 ±$33,276 | $303,100 |
| Median gross rent | $1,320 ±$58 | $1,319 |
| Renters paying 35% or more of income on rent | 37.3% ±27.2 pts | 40.6% |
| Median monthly owner costs, with a mortgage | $2,524 ±$236 | $1,744 |
| Owner-occupied homes | 88.5% ±4.2 pts | 87.5% |
| Renter-occupied homes | 11.5% ±4.2 pts | 12.5% |
| Housing units | 1,482 ±172 | 14,576 |
| Single-family detached homes | 84.0% ±4.7 pts | 78.8% |
| Mobile homes | 0.2% ±0.4 pts | 2.9% |
| Built 2020 or later | 1.5% ±1.7 pts | 2.4% |
| Built 2010 to 2019 | 25.3% ±8.7 pts | 16.2% |
| Built 1939 or earlier | 6.8% ±4.6 pts | 9.0% |
| Households with no vehicle | 1.0% ±1.3 pts | 4.9% |
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 431.03 get to work?
77.7% of Census Tract 431.03's workers drive alone and 17.9% work from home. The average trip to work takes 33.9 minutes.
| Measure | Tract 431.03 | Center Township, Lake County |
|---|---|---|
| In the labor force (age 16+) | 64.9% ±4.7 pts | 66.1% |
| Unemployment rate | 3.2% ±3.9 pts | 2.9% |
| Drove alone to work | 77.7% ±7.6 pts | 81.2% |
| Carpooled | 2.4% ±2.5 pts | 5.4% |
| Public transportation | 1.9% ±1.8 pts | 0.5% |
| Walked | 0.0% ±1.9 pts | 0.9% |
| Worked from home | 17.9% ±7.7 pts | 10.2% |
| Mean travel time to work | 33.9 min ±5.8 | 29.6 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 431.03 compare with the other tracts in Lake County?
Among Lake County's tracts with a reliable estimate, Census Tract 431.03 ranks as shown below (1 = highest).
| Measure | In Lake County |
|---|---|
| Population | 68th of 131 |
| Residents per square mile | 84th of 131 |
| Median household income | 11th of 128 |
| Per capita income | 3rd of 130 |
| Median home value | 3rd of 122 |
| Median gross rent | 29th of 116 |
| Poverty rate | 89th of 90 |
| Bachelor's degree or higher | 3rd of 117 |
| Median age | 26th of 130 |
| Owner-occupied share | 27th of 128 |
The tracts next to it on Lake County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 426.08 | 8th | $126,875±$14,614 · within the margin of this tract |
| Tract 428.02 | 9th | $123,246±$6,176 · within the margin of this tract |
| Tract 433.01 | 10th | $123,125±$18,120 · within the margin of this tract |
| Tract 431.03 | 11th | $121,927±$17,270 |
| Tract 404.01 | 12th | $121,520±$18,966 · within the margin of this tract |
| Tract 426.02 | 13th | $121,444±$18,731 · within the margin of this tract |
| Tract 431.04 | 14th | $118,942±$25,014 · 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 431.03?
1 of the 18 figures for Census Tract 431.03 on this page carries a coefficient of variation over 40% and is 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