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Everything You Should Know Before Moving to Carter Lake, IA

Considering a move to Carter Lake, IA? This lakeside city of 3,693 offers affordable living, with median home prices around $170,000 and average rents at $960. Residents enjoy short 19.5-minute commutes and a cost of living well below the national average. Carter Lake features a safe, tight-knit community near Omaha's amenities, with decent schools, family-friendly neighborhoods, and four-season Midwestern weather. Explore more about housing, schools, healthcare, and local life below to see if Carter Lake fits your next move.

Demographics - Carter Lake, IA

Demographics - Carter Lake, IA

Carter Lake is a close-knit community of 3,693 residents, with a median age of 35.9 and a nearly even gender ratio. The city has a predominantly White population, with about 84% identifying as White and around 7% speaking a language other than English at home. Its moderate population density creates a welcoming small-town atmosphere while remaining diverse and family-friendly.

demograph population
Population:
3,693
demograph density
Density:
1,180 per sq mi
demograph median age
Median Age:
35.9
Demograph Gender Ratio
Gender Ratio:
98 males per 100 females
demograph Non English Speakers Percentage
Non-English Speakers Percentage:
6.8%
demograph ethnicCompositionEthnic Composition
demograph whites
White:
84.2%
demograph blacks
Black:
3.6%
demograph asian
Asian:
1.3%
demograph others
Others:
10.9%
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Cost Of Living

Cost Of Living

What is the average cost of living in Carter Lake, IA?

Living in Carter Lake is budget-friendly, with a cost of living index of 85.6—well below the national average. Median home values sit at $170,000, and average rents are about $960, making it an affordable option for both homeowners and renters. Utility and transportation costs are also reasonable, helping residents stretch their dollars further.

cost of living medianHouseValue
Median House Value:
$170,000
cost of living grossRent
Gross Rent:
$960
cost of living monthlyElectricityCharges
Monthly Electricity Charges:
$115
cost of living autoInsurance
Auto Insurance:
$1,190
cost of living houseownerCostWithMortgage
House Owner Cost With Mortgage:
$1,250
cost of living houseownerCostWithoutMortgage
House Owner Cost Without Mortgage:
$420
cost of living stateTaxes State Taxes:
Low:
4.4%
|
High:
8.53%
cost of living costOfLivingIndex
Cost Of Living Index:
85.6
cost of living grocery
Grocery:
94.2
cost of living housing
Housing:
78.5
cost of living utilities
Utilities:
98.7
cost of living transportation
Transportation:
92.1
cost of living health-care
Health Care:
92.8
cost of living miscellaneous
Miscellaneous:
95.0

Crime

Crime

Is Carter Lake, IA a safe place to live?

Carter Lake maintains a relatively low violent crime rate, with a 1 in 377 chance of being affected, and most incidents are property-related. The overall crime index reflects a community that is generally safe for families and individuals. Residents appreciate the secure, peaceful environment the city provides.

crime voilentCrimes
Violent Crimes Per 100k:
265
crime propertyCrime
Property Crimes Per 100k:
1,900
crime crimeIndex
Crime Index:
2,165
crime chanceOfViolentCrime
Chance Of Violent Crime:
1 in 377
crime chanceOfPropertyCrime
Chance Of Property Crime:
1 in 53
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Weather

Weather

What is the weather like in Carter Lake, IA year-round?

Carter Lake experiences four distinct seasons, featuring warm summers with highs near 87°F and cold winters dipping to 15°F. The city receives about 31 inches of rainfall annually and enjoys sunshine 56% of the year. This climate offers residents a classic Midwestern outdoor lifestyle year-round.

weather winterWinter
weather min
Min:
15°F
weather max
Max:
34°F
weather springSpring
weather min
Min:
39°F
weather max
Max:
65°F
weather summerSummer
weather min
Min:
64°F
weather max
Max:
87°F
weather fallFall
weather min
Min:
41°F
weather max
Max:
68°F
weather averageRainfallInches
Average Rainfall Inches:
31.4 inches
weather sunnyDays Percentage
Sunny Days Percentage:
56%

Neighbors

Neighbors

Households in Carter Lake have a median income of $58,550, and the unemployment rate is a low 3.5%. Most residents commute around 20 minutes to work, and nearly 90% have completed high school or higher education. The community is supportive and diverse, with affordable rental options and a modest poverty rate.

neighbor medianIncome
Median Income:
$38,000
neighbor householdIncome
Household Income:
$58,550
neighbor familyIncome
Family Income:
$65,500
neighbor perCapitaIncome
Per Capita Income:
$27,200
neighbor incomeMale
Income Male:
$39,800
neighbor incomeFemale
Income Female:
$32,600
neighbor povertyRate
Poverty Rate:
11.7%
neighbor nonEnglishSpeakers
Non English Speakers:
6.8%
neighbor rent
Rent:
$960
neighbor unemployment
Unemployment Rate:
3.5%
neighbor publicTransport
Public Transport Usage:
0.8%
neighbor commuteTime
Commute Time:
19.5 minutes
neighbor educationEducation
neighbor highSchool
High School or Higher:
89.6%
neighbor bachelors
Bachelors or More:
17.9%
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Education

Education

How are the schools in Carter Lake, IA?

Education in Carter Lake is anchored by Carter Lake Elementary School, known for its manageable class sizes and community involvement. The city is also conveniently located near higher education options, including Iowa Western Community College and the University of Nebraska Omaha, both within a ten-mile radius. These resources provide families with quality learning opportunities from early childhood through college.

education PublicSchoolsPublic Schools
education publicName
Name:
Carter Lake Elementary School
education publicStreet
Street:
950 Willow Dr
education publicPhone
Phone:
712-347-6352
education publicStudents
Students:
400
education publicStudentTeacherRatio
Student Teacher Ratio:
15.6


education collegesColleges
education collegeName
Name:
Iowa Western Community College
education collegeCity
City:
Council Bluffs
education collegeState
State:
IA
education collegeDistance
Distance:
7 miles
education collegeStudents
Students:
5,500


education collegeName
Name:
University of Nebraska Omaha
education collegeCity
City:
Omaha
education collegeState
State:
NE
education collegeDistance
Distance:
8 miles
education collegeStudents
Students:
15,800


Healthcare

Healthcare

Residents benefit from access to major hospitals and a high rate of health insurance coverage at nearly 94%. There are about 2.1 physicians per 1,000 residents, ensuring adequate local healthcare options. Carter Lake’s proximity to Omaha also provides quick access to top regional medical centers.

healthcare majorHospitals Major Hospitals
healthcare hospitalName
Name:
CHI Health Creighton University Medical Center – Bergan Mercy
healthcare hospitalAddress
Address:
7500 Mercy Rd, Omaha, NE 68124
healthcare hospitalPhone
Phone:
(402) 398-6060
healthcare hospitalType
Type:
General & Surgical
healthcare emergencyServices
Emergency Services:
Yes


healthcare hospitalName
Name:
Nebraska Medicine – Nebraska Medical Center
healthcare hospitalAddress
Address:
4350 Dewey Ave, Omaha, NE 68105
healthcare hospitalPhone
Phone:
(402) 559-4000
healthcare hospitalType
Type:
General & Surgical
healthcare emergencyServices
Emergency Services:
Yes


healthcare physiciansPer1000
Physicians Per 1000:
2.1
healthcare healthInsuranceCoverage
Health Insurance Coverage:
93.7%
healthcare healthCareIndex
Health Care Index:
77.2
Healthcare
Housing Market

Housing Market

Housing Market

What is the housing market like in Carter Lake, IA?

The Carter Lake housing market is stable and affordable, with a median home price of $170,000 and an owner-occupied rate of 68%. Rental vacancies are moderate at 7.4%, and home values have seen steady appreciation in recent years. This makes the city an appealing choice for both buyers and renters seeking value.

housing market medianHomePrice
Median Home Price:
$170,000
housing market averageRentFor2Bedroom
Average Rent For 2 Bedroom:
$960
housing market ownerOccupiedRate
Owner Occupied Rate:
68.2%
housing market rentalVacancyRate
Rental Vacancy Rate:
7.4%
housing market homeAppreciationRate1Yr
Home Appreciation Rate (1yr):
3.6%
housing market newConstructionRate
New Construction Rate:
1.4%
housing market foreclosureRate
Foreclosure Rate:
0.5%

DMV Information

DMV Information

Carter Lake residents are served by the Iowa Department of Transportation Motor Vehicle Division, located in Ankeny. The DMV offers services such as licensing, registration, and title transfers, and information can be easily accessed online. Residents benefit from efficient statewide motor vehicle services.

dmv state
State:
Iowa
dmv department
Department:
Iowa Department of Transportation Motor Vehicle Division
dmv address
Address:
6310 SE Convenience Blvd, Ankeny, IA 50021
dmv phone
Phone:
515-244-8725
DMV

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.

Top Movers in Carter Lake, IA

Planning a relocation in or near Carter Lake? We have you covered. Whether you're moving across a street or across town, our dependable network of local movers is ready to handle every aspect of your relocation. Find expert movers who will make your move as seamless, efficient, and stress-free as possible, from packing and loading to transporting and unpacking. Explore specialty moving services, compare estimates, and contact a reputable moving company in Carter Lake.

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FAQs About Moving to Carter Lake, IA

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Check the cost of living, housing, traffic, and public transit in Carter Lake. Each neighborhood has its own vibe, so pick one that fits your lifestyle. Be prepared for Carter Lake climate and weather.

Moving within Carter Lake usually costs between $300 and $1,500. Moving long distances can cost anywhere from $2,000 to more than $5,000. The price may go up if you need extra services like packing or storage. Fill out Movers.com quote form to compare the quotes easily.

While moves happen year-round, spring and fall are often more comfortable in Carter Lake. Booking outside of peak summer or winter seasons can save money and make scheduling easier.

Yes! Majority of moving companies in Carter Lake offer full service moving, which means they will help you pack, unpack, and arrange your belongings.

You should plan your move from Carter Lake at least 4 to 8 weeks in advance, especially if you're moving during the busy season (summer). You can get better availability, prices, and flexibility with your moving date if you book early. If you book at the last minute, you may have fewer choices or pay more.
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