Everything You Should Know Before Moving to Carmel, IN
Thinking of moving to Carmel, IN? With a population of 101,964, Carmel is known for its strong schools, low crime rates (just 38 violent crimes per 100K), and vibrant suburban lifestyle. The median home price is $410,000, and rents average $1,450, while cost of living is moderate for the region. Residents enjoy short 24-minute commutes, top-rated healthcare, and excellent education—over 73% hold a bachelor’s degree or higher. Carmel’s safe neighborhoods, great schools, and welcoming amenities make it one of Indiana’s most desirable cities.
Demographics - Carmel, IN
Demographics - Carmel, IN
Carmel, Indiana is a growing city of just over 100,000 residents, featuring a predominantly White (80%) and Asian (12%) population with a median age of 39.2 years. The city is culturally diverse with nearly 12% of residents speaking a non-English language at home, and its balanced gender ratio and moderate population density support a vibrant suburban environment.
Population:
101,964
Density:
2,000 per sq mi
Median Age:
39.2
Gender Ratio:
95 males per 100 females
Non-English Speakers Percentage:
11.7%
Ethnic Composition
White:
80.2%
Black:
3.1%
Asian:
12.4%
Others:
4.3%
Cost Of Living
What is the average cost of living in Carmel, IN?
Living in Carmel means slightly higher costs compared to the national average, with a cost of living index of 108.7. The median home value sits at $410,000 and average rent is $1,450, reflecting the area's desirability and well-maintained neighborhoods. Utilities and state taxes remain moderate, making Carmel attractive for families seeking quality amenities.
Median House Value:
$410,000
Gross Rent:
$1,450
Monthly Electricity Charges:
$120
Auto Insurance:
$1,080
House Owner Cost With Mortgage:
$2,000
House Owner Cost Without Mortgage:
$600
State Taxes:
Low:
3.15%
|
High:
3.15%
Cost Of Living Index:
108.7
Grocery:
102.8
Housing:
113.6
Utilities:
104.2
Transportation:
107.0
Health Care:
102.0
Miscellaneous:
98.5
Crime
Is Carmel, IN a safe place to live?
Carmel enjoys a reputation for safety, with only 38 violent crimes and 630 property crimes per 100,000 residents—well below national averages. Residents have a very low 1 in 2,632 chance of experiencing violent crime, contributing to Carmel’s appeal for families and those seeking peace of mind.
Violent Crimes Per 100k:
38
Property Crimes Per 100k:
630
Crime Index:
668
Chance Of Violent Crime:
1 in 2,632
Chance Of Property Crime:
1 in 159
Weather
What is the weather like in Carmel, IN year-round?
Carmel experiences all four seasons, with warm summers averaging highs of 85°F and cold winters dipping to 18°F. The area receives about 42 inches of rainfall annually and enjoys sunshine 53% of the year, offering a variety of outdoor activities throughout the seasons.
Winter
Min:
18°F
Max:
35°F
Spring
Min:
42°F
Max:
68°F
Summer
Min:
63°F
Max:
85°F
Fall
Min:
45°F
Max:
70°F
Average Rainfall Inches:
41.6 inches
Sunny Days Percentage:
53%
Neighbors
Carmel’s neighborhoods are affluent and highly educated, boasting a median household income of nearly $120,000 and a poverty rate of just 3%. Over 73% of adults hold a bachelor’s degree or higher, and average commute times are a manageable 24 minutes, reflecting the city’s family-friendly and professional character.
Median Income:
$50,700
Household Income:
$119,772
Family Income:
$139,500
Per Capita Income:
$62,400
Income Male:
$78,100
Income Female:
$58,200
Poverty Rate:
3.1%
Non English Speakers:
11.7%
Rent:
$1,450
Unemployment Rate:
2.8%
Public Transport Usage:
0.9%
Commute Time:
24.1 minutes
Education
High School or Higher:
98.1%
Bachelors or More:
73.5%
Education
How are the schools in Carmel, IN?
Carmel is renowned for its excellent public and private schools, including Carmel High School and Clay Middle School, known for strong academics and competitive student-teacher ratios. Nearby higher education institutions such as Butler University and IUPUI are within a short drive, making Carmel ideal for families prioritizing education.
Public Schools
Name:
Carmel High School
Street:
520 E Main St
Phone:
317-846-7721
Students:
5,400
Student Teacher Ratio:
17.5
Name:
Clay Middle School
Street:
5150 E 126th St
Phone:
317-844-7251
Students:
1,300
Student Teacher Ratio:
15.3
Private Schools
Name:
University High School of Indiana
Street:
2825 W 116th St
Phone:
317-733-4475
Students:
350
Colleges
Name:
Butler University
City:
Indianapolis
State:
IN
Distance:
11 miles
Students:
5,500
Name:
IUPUI (Indiana University-Purdue University Indianapolis)
City:
Indianapolis
State:
IN
Distance:
17 miles
Students:
27,700
Healthcare
Residents of Carmel have access to excellent healthcare, including major hospitals like IU Health North and Ascension St. Vincent Carmel, both offering emergency services. With 3.2 physicians per 1,000 people and over 96% health insurance coverage, the city ensures quality medical care is readily available.
Major Hospitals
Name:
IU Health North Hospital
Address:
11700 N Meridian St, Carmel, IN 46032
Phone:
(317) 688-2000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Ascension St. Vincent Carmel
Address:
13500 N Meridian St, Carmel, IN 46032
Phone:
(317) 338-2273
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
3.2
Health Insurance Coverage:
96.4%
Health Care Index:
78.9
Housing Market
What is the housing market like in Carmel, IN?
Carmel’s housing market is strong, with a median home price of $410,000 and high owner occupancy at 78%. Home values have appreciated by over 5% in the past year, and rental options are available with an average two-bedroom rent of $1,450, making the city appealing to both buyers and renters.
Median Home Price:
$410,000
Average Rent For 2 Bedroom:
$1,450
Owner Occupied Rate:
77.6%
Rental Vacancy Rate:
4.1%
Home Appreciation Rate (1yr):
5.3%
New Construction Rate:
2.4%
Foreclosure Rate:
0.3%
DMV Information
The Indiana Bureau of Motor Vehicles in Carmel is conveniently located on Old Meridian Street, offering essential licensing and registration services for residents. The office provides accessible hours and online resources through the state BMV website, ensuring a smooth process for new arrivals.
State:
Indiana
Department:
Indiana Bureau of Motor Vehicles (BMV)
Address:
12955 Old Meridian St Ste 107, Carmel, IN 46032
Phone:
888-692-6841
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.