City Report · IN

Hammond

Pop. 76,768·29th most expensive in Indiana·Hammond rents are up 11.3% over the past year
Median rent (all units)
$1,500/mo
Year-over-Year
+11.3%
Month-over-Month
+1.4%
vs US Median
-$462
Rising (Monthly)
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Most AffordableMost Expensive
Hammond · $1,500
More affordable than 76% of US cities · National median $1,962/mo
Rent Reality Score
47/100
Fairly priced
OverheatedFairGreat value

Rents are right about where Hammond's 10-year trend predicts.

Actual rent
$1,500/mo
Expected by trend
$1,475/mo
The Rent Reality Score compares today's median rent to where Hammond's own long-run trajectory projects it should be. See the full rankings →
Medians by bedroom

Rent by unit size

Studio
$850
1 BR
$973
2 BR
$1,183
3 BR
$1,457
4 BR+
$1,570
Fair Market Rent (HUD)
$1,183/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,500 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$18,000/yr
At $1,500/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 11.3% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+11.3% YoY, +1.4% MoM), not inventory.
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Demographics

Who lives here

Hammond, IN is majority owner-occupied, has a median income below the national average, 17.4% of residents hold a bachelor's degree or higher.

Population
76,768
Median income
$55,504
Median age
36
Renters
37.6%
Age distribution
23.5%
24.6%
25%
12.8%
14.2%
Under 1823.5%
18–3424.6%
35–5425%
55–6412.8%
65+14.2%
Gender
48.9%
51.1%
Male48.9%
Female51.1%
Race & ethnicity
37%
23.2%
40.2%
White37%
Black23.2%
Hispanic40.2%
Asian1.5%
Education (25+)
16.9%
37.7%
27.9%
17.4%
No HS diploma16.9%
HS diploma37.7%
Some college27.9%
Bachelor's+17.4%
Housing tenure
62.4%
37.6%
Owner62.4%
Renter37.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Hammond, IN has changed in 5 years

Rent
$1,040 → $1,500
up 44.2%
Income
$48,107 → $55,504
up 15.4%
Population
77,491 → 76,768
down 0.9%
Renter share
39.4% → 37.6%
-1.8 pts
Bachelor's+
13.8% → 17.4%
+3.6 pts

Across the past five years, the going rent in Hammond, IN has shifted from $1,040 to $1,500, up 44.2% since 2021. Median household income climbed from $48,107 to $55,504 between 2021 and 2024, a 15.4% shift. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. The renter share has eased from 39.4% to 37.6%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 13.8% to 17.4% across the same window. Taken together, the five-year picture in Hammond, IN reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

Community

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View Hammond rent history (2015–2026) →
Salary vs rent

Can you afford rent in Hammond on your salary?

At $1,500/mo, how Hammond rent compares to typical pay (30% rule).

By apartment size

Hammond rent by bedroom count

Median rent for each apartment size in Hammond. Click any size for full breakdown.

Local insights

Tips for renters in Hammond

About renting in Hammond, IN

Last updated: August 17, 2026

The median rent in Hammond is $1,500/mo as of August 2026. A studio apartment averages $850/mo while a 2-bedroom runs $1,183/mo. One-bedroom apartments average $973/mo and 3-bedroom units go for $1,457/mo.

At 32% of local median household income ($55,504/yr), Hammond ranks as moderate compared to the national benchmark of 30%. Rents have increased 11.3% over the past year.

FAQ

Frequently asked questions

Is Hammond an affordable city for renters?

Hammond is considered moderate for renters. At $1,500/mo, rent takes approximately 32% of the local median household income ($55,504/yr). The standard benchmark is 30%. Hammond slightly exceeds that threshold, so budgeting carefully matters here.

How much income do you need to rent in Hammond?

To keep rent at or below 30% of gross income, you would need to earn at least $60,000/year (~$29/hour full-time) to afford the median rent of $1,500/mo in Hammond. The local median household income is $55,504/yr, meaning the typical Hammond household falls short of that threshold.

Is rent going up or down in Hammond?

Rent in Hammond has increased 11.3% over the past year as of August 2026, putting upward pressure on renter budgets.

Which Hammond neighborhoods have the lowest rent?

The most affordable ZIP codes in Hammond are 46320 ($1,354/mo), 46323 ($1,542/mo), and 46324 ($1,629/mo). Citywide, the median rent in Hammond is $1,500/mo.

How does Hammond rent compare to other cities in Indiana?

Hammond is middle-of-the-pack for Indiana for rent, ranking #29 out of 62 tracked cities at $1,500/mo.

Which nearby cities are cheaper to rent in than Hammond?

East Chicago is nearby and more affordable at $1,021/mo, which is $479 less than Hammond.

What percentage of Hammond residents rent vs. own?

According to Census data, approximately 37.6% of Hammond households are renters, while 62.4% are owner-occupied. Hammond leans toward homeownership, which can mean a smaller rental inventory.

How does Hammond rent compare to the national average?

Hammond's median rent of $1,500/mo is $462 (24%) below the US national median of $1,962/mo. Within Indiana, it ranks #29 out of 62 tracked cities.
Income Affordability
32%
MODERATE

At $1,500/mo, rent takes ~32% of Hammond's median household income ($55,504/yr). The standard benchmark is 30%.

Hammond 32%Benchmark 30%
State income tax3.05%
Run the Hammond affordability calculator →
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Hammond, IN

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