46394 Property Tax Rate
Whiting, Indiana · Part of Lake County
Effective Tax Rate
1.03%
34.3% above state avgMedian Annual Tax
$1,680
$140/mo escrow
Estimate Your Tax
Annual Tax
$1,680
Monthly
$140
Eff. Rate
1.03%
Buyer decision brief
What ZIP 46394 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$140/mo
Based on median annual tax paid
State context
0.34 percentage points above the Indiana average
Indiana average: 0.69%
Data confidence
High confidenceThe Census margin of error is $170, about 10% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Lake County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 46394 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$170 tax MOE, 10% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Lake County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 46394
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $162,900, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.03%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Indiana and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $140 per month before insurance, HOA dues, or special assessments.
Assessor verification
Lake County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 46394 Compares
Median Annual Property Tax
ZIP 46394
1.03%
Effective rate
Indiana Avg
0.69%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Indiana
Higher than 96% of ZIP codes in Indiana(96th percentile, 713 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 46394
Property owners in ZIP code 46394 (Whiting, Indiana) pay a median of $1,680/year in property taxes on homes valued at $162,900. This translates to an effective tax rate of 1.03%, which is 49% above the Indiana state average of 0.69%.
The monthly property tax burden for a median-valued home in 46394 is approximately $140, which factors into escrow payments on mortgages. This ZIP code is located within Lake County. This is $429 more than the Indiana average of $1,251/year.
Compared to similar ZIP codes in Indiana, 46394 has lower property taxes. ZIP codes with similar effective rates include 46240 (1.03%) and 46204 (1.02%).
In Whiting, property taxes represent approximately 2.5% of the median household income of $66,386, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 46394, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Lake County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 46394?
How much are property taxes in Whiting, IN (46394)?
How does ZIP 46394 compare to the Indiana average?
What is the median home value in ZIP 46394?
What county is ZIP code 46394 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$170. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 46394 is part of Lake County, Indiana. View the full county profile for broader context and more data.
View Lake County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 46394
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
46319
Griffith, IN
0.20 percentage points lower than ZIP 46394.
Rate
0.83%
Tax
$1,611
Quality
82
46307
Crown Point, IN
0.15 percentage points lower than ZIP 46394.
Rate
0.88%
Tax
$2,583
Quality
82
46403
Gary, IN
0.15 percentage points lower than ZIP 46394.
Rate
0.89%
Tax
$1,371
Quality
94
46375
Schererville, IN
0.14 percentage points lower than ZIP 46394.
Rate
0.89%
Tax
$2,637
Quality
82
46356
Lowell, IN
0.13 percentage points lower than ZIP 46394.
Rate
0.90%
Tax
$2,301
Quality
82
46322
Highland, IN
0.13 percentage points lower than ZIP 46394.
Rate
0.90%
Tax
$1,979
Quality
82
46410
Merrillville, IN
0.12 percentage points lower than ZIP 46394.
Rate
0.91%
Tax
$1,743
Quality
82
46376
Schneider, IN
0.12 percentage points lower than ZIP 46394.
Rate
0.91%
Tax
$1,539
Quality
67
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.