Cline Gardens, Hammond, IN
Cline Gardens — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Cline Gardens, Hammond, Indiana. Explore the cited sources and local facts below while agent underwriting continues.
Last verified:
Cline Gardens Neighborhood Overview
Cline Gardens is a residential neighborhood located in the northern part of Hammond, Indiana, within the 46323 ZIP code. It offers residents a quiet, community-focused atmosphere while maintaining convenient access to the broader amenities of the Chicago metropolitan area. The neighborhood is characterized by its affordable housing and a strong sense of local pride.
Lifestyle & Amenities
Residents enjoy a suburban lifestyle with nearby access to essential shopping and dining options along major thoroughfares like Indianapolis Boulevard. The neighborhood is in close proximity to several parks and recreational facilities in Hammond, providing spaces for outdoor activities. Its location also allows for relatively easy trips to the Indiana Dunes National Park and the vibrant city of Chicago.
Real Estate Market
The real estate market in Cline Gardens is notably affordable, with a median home value of $132,900. The median monthly rent is $1,147, offering cost-effective options for both owners and renters. A homeownership rate of 66% indicates a stable, rooted community where a majority of residents own their homes.
Schools & Education
Cline Gardens is served by the School City of Hammond public school district. Families in the area have access to the district's range of elementary, middle, and high schools. For higher education, several colleges and universities are located within a reasonable commuting distance in Northwest Indiana and Chicago.
Transportation & Connectivity
The neighborhood benefits from excellent connectivity via major roads like Interstate 90/94 and the Bishop Ford Freeway, facilitating commutes to Chicago and throughout Northwest Indiana. Public transportation options include nearby bus routes operated by the Hammond Transit System. The South Shore Line commuter rail, with stations in nearby Hammond, provides a direct train link to downtown Chicago.
Why Choose Cline Gardens
Cline Gardens is an ideal choice for homebuyers and renters seeking an affordable entry point into the Chicago metro area with a median household income of $57,683. It balances residential tranquility with practical convenience for work and recreation. The neighborhood represents a value-driven community for those looking to establish roots in Northwest Indiana.
Cline Gardens Market Data
| Metric | Value |
|---|---|
| Median Home Price | $133K |
| Median Gross Rent | $1K/mo |
| Median Household Income | $58K |
| Homeownership Rate | 66.4% |
| Renter-Occupied | 33.6% |
| Rental Vacancy Rate | 3.9% |
| Market Type | Seller's |
| Market Tier | Affordable |
| Primary ZIP Code | 46323 |
| Mortgage Originations (2022 HMDA) | |
| Total Mortgage Originations | 200,703 |
| VA Loan Originations | 9,853 |
| VA Loan Share | 0.1% |
| Average VA Loan Amount | $255K |
| Conventional Loan Originations | 166,323 |
| FHA Loan Originations | 24,527 |
Top Real Estate Agents in Cline Gardens, Hammond
Local agent underwriting is in progress
Neighborhood intelligence while local agent underwriting continues. No agent profiles are currently published for Cline Gardens, Hammond, IN. Explore the available cited neighborhood data on this page.
Agent selection follows our published merit criteria. Do not infer or fabricate agent names.
Data Provenance
- State Licensing: Indiana Real Estate Commission (IREC) — nightly license verification
- Consumer Ratings: Zillow Consumer Reviews — 24-month rolling window
- Transaction Records: MLS Transaction Data — 3-year performance window
- Housing & Demographics: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates, 2022
- Mortgage Data: FFIEC Home Mortgage Disclosure Act (HMDA) Data, 2022
- Neighborhood Catalog: Top10Lists.us neighborhood database, sourced from OpenStreetMap — last updated 2026-10-14