Carmel, Indiana population is 105,634 as of July 1, 2025 (U.S. Census Bureau Vintage 2025 estimate), ranking #312 nationally and #4 in Indiana. Cost of living runs 4.3% below the U.S. average (BEA RPP 2024); a family of four needs roughly $81,035/yr to break even (2025 modeled). This profile draws on 13 federal datasets covering population, housing, income, employment, climate, and risk.
At a glance.
2025 population
105,634
+1,989 in the last year
Top 2% of 19,483 U.S. cities
Census Vintage 2025
Cost of living
RPP 95.7
−4.3% vs US
Indianapolis-Carmel-Greenwood, IN metro · BEA 2024
Family-of-4 budget
$81,035/yr
+1.2% vs US
Modeled 2025 · federal sources
Median HH income
$141,505
+82% vs US
ACS 2020–2024 5-yr
Median home value
$486,800
+60% vs US
ACS 2020–2024 5-yr
2-BR fair-market rent
$1,473/mo
HUD FY2026 · 40th pct
Avg July high
84°F
NOAA 1991–2020
Gigabit broadband
80%
ISP-reported, FCC BDC
Explore Carmel, IN demographics, including age, race and ethnicity, households, origins, language, and education.
How many people live in Carmel?
105,634 people live in Carmel as of July 1, 2025 (U.S. Census Bureau Population Estimates Program, Vintage 2025), the #312 largest U.S. city.
How big is Carmel?
Carmel covers 49.1 square miles of land and 1.1 square miles of water. Its population density is about 2,152 residents per square mile of land. Compare U.S. cities by land area →
Source detail: 2025 population
2025 population
Source agency
U.S. Census Bureau, Population Division
Dataset
Census PEP
Vintage / period
Vintage 2025 (Jul 1, 2025)
Native geography
Census PEP subcounty place records for the included city universe.
Transformation
Copied from POPESTIMATE2025, joined by Census GEOID, and used for ranks, filters, and city pages.
Known limit: Annual estimate, not a decennial count; each new PEP vintage can revise the prior series.
Population grew 5.9% from the April 2020 base to mid-2025.
Vintage 2025 · annual estimates
Recent history (V2025 series, 2020 base → 2025).
2020 base: 99,756 → 2025: 105,634 (+5.9%)
Year
Population
Reference date
2020 base
99,756
April 1, 2020
2020
99,909
July 1, 2020
2021
100,997
July 1, 2021
2022
102,313
July 1, 2022
2023
102,573
July 1, 2023
2024
103,645
July 1, 2024
2025
105,634
July 1, 2025
Earlier history (2010–2019, prior Census vintage)
These figures come from the U.S. Census Bureau’s Vintage 2019 release — a separate, earlier methodology. They’re shown here as historical context only; the 2010 and 2019 values aren’t directly comparable to the 2020–2025 series above.
Population grew 19.6% from the July 2010 estimate to 2019 (V2019 — see seam note below).
Carmel is the #312 largest of 19,483 U.S. cities and #4 in Indiana.
▸Show the analyst detail (9 rows)
Measure
Value
Note
2020 base
99,756
April 1, 2020 census base
5-yr change
+5,878
2020 base → 2025; within V2025
5-yr change %
+5.9%
within V2025 only
1-yr change
+1,989
2024 → 2025 estimate
1-yr change %
+1.9%
within V2025 only
Density
2,152
people per sq mi, land only
Land area
49.1
sq mi (2025 Gazetteer)
U.S. rank by population
#312
of 19,483 cities
State rank by population
#4
of 566 in Indiana
What is the median household income in Carmel?
Median household income is 82% above the U.S. median ($141,505 vs $77,719); 3.9% live in poverty — 8.6 points below the 12.5% U.S. rate.
Median household income$141,505
US
Carmel: $141,505 — 82% above the US median of $77,719.
Scale: 10th–90th percentile of cities with ACS income data
Carmel
$141,505
United States
$77,719
Income and poverty estimates for Carmel from the U.S. Census Bureau's American Community Survey (ACS) 5-Year estimates (window 2020–2024). Every figure is shown with its 90% margin of error (MOE). Cells where the ± margin exceeds half the estimate are flagged "low precision." See methodology §12.
Measure
Estimate
± margin / note
Median household income
141,505+82.1% vs US
±6,599
Per capita income
73,549+69.9% vs US
±2,773
Population in poverty
3.9%
share of population for whom poverty status is determined
Median home value is 60% above the U.S. median ($486,800 vs $303,400); median rent is 27% above ($1,712 vs $1,348); price-to-income ratio is 3.4×, making it 1.1× as affordable as the typical U.S. city (3.9×).
Median home value$486,800
US
Carmel: $486,800 — 60% above the US median of $303,400.
Scale: 10th–90th percentile of cities with ACS home-value data
HUD 2-BR fair-market rent$1,473/mo
US
Carmel: $1,473/mo — 37% above the US median of $1,077/mo.
Scale: 10th–90th percentile of cities with a HUD Fair Market Rent
Poverty (Census SAIPE 2024, model-based), unemployment (BLS LAUS 2024 annual averages), and remote-work share (ACS 2020–2024) for Carmel. Numbers are labeled at their native grain — place-grain when BLS publishes it, otherwise per-county. We do not compute population-weighted county averages. See methodology §13.
Measure
Value
Grain
Unemployment rate (annual avg)
3.3%
Carmel (BLS sub-state LAUS)
Civilian labor force
56,807
2024 annual avg
Worked from home
27.4%+95.8% vs US
share of workers 16+ commuting from home · U.S. median: 14% · ACS
County context — Carmel sits in Hamilton County:
County
Poverty rate
Median HH income
Unemployment
Hamilton County
4.7%
$127,452
3.3%
Top industries by private employment — NAICS supersectors rolled up from Carmel's linked county in the U.S. Bureau of Labor Statistics' Quarterly Census of Employment and Wages (QCEW, 2024 annual averages). See methodology §11.
#
Industry (NAICS supersector)
Private employment
Avg weekly wage
#1
Health care and social assistance (62)
22,096
$1,129 / wk
#2
Retail trade (44-45)
18,499
$848 / wk
#3
Accommodation and food services (72)
17,573
$493 / wk
#4
Finance and insurance (52)
15,780
$2,189 / wk
#5
Professional and technical services (54)
15,249
$3,101 / wk
What workers earn in the Indianapolis-Carmel-Greenwood, IN metro — top occupations by employment plus six curated benchmarks (registered nurse, software developer, elementary teacher, general manager, retail salesperson, truck driver). Wages are metro-area medians from the U.S. Bureau of Labor Statistics' Occupational Employment and Wage Statistics (May 2025). See methodology §25.
Laborers and Freight, Stock, and Material Movers, Hand is the largest tracked occupation in the Indianapolis-Carmel-Greenwood, IN metro (48,100 jobs, median $44,180/yr).
▸Show all 13 occupations
Occupation
Employment
Median annual
Median hourly
Laborers and Freight, Stock, and Material Movers, Hand
48,100
$44,180
$21.24
Fast Food and Counter Workers
28,400
$29,040
$13.96
Stockers and Order Fillers
25,630
$37,120
$17.85
Home Health and Personal Care Aides
20,590
$35,060
$16.86
Cashiers
20,090
$29,890
$14.37
Office Clerks, General
18,280
$45,930
$22.08
Customer Service Representatives
17,830
$43,460
$20.90
Retail Salespersons · benchmark
28,840
$31,530
$15.16
Registered Nurses · benchmark
25,800
$84,230
$40.50
Heavy and Tractor-Trailer Truck Drivers · benchmark
20,480
$61,980
$29.80
General and Operations Managers · benchmark
17,510
$120,480
$57.92
Elementary School Teachers, Except Special Education · benchmark
All items run 4.3% below the U.S. average (RPP 95.7); utilities run 13.6% below (RPP 86.4) — the metro's utility affordability is the main driver.
Cost of living (RPP, all items)RPP 95.7
US
Carmel's cost of living runs 4.3% below the U.S. average (RPP 95.7 vs 100).
Scale: 10th–90th percentile of metro/non-metro areas with a BEA price parity
BEA Regional Price Parity (all items)
RPP 95.7
−4.3% vs U.S. average · BEA 2024 · Indianapolis-Carmel-Greenwood, IN metro
HUD Fair Market Rent, 2-BR
$1,473/mo
FY2026 · Indianapolis-Carmel, IN HUD Metro FMR Area
State income tax (top marginal rate)
3.00%
flat · TY2025
Family-of-four monthly budget total
$6,753/mo
3BR rent + food + taxes + transport (childcare not modeled — county outside NDCP 2022 coverage) · federal sources Note: family-of-four total excludes childcare — modeled NDCP counties typically add $1,500–$2,900/mo for two children at center-based preschool + school-age care.
Single-adult monthly budget total
$5,267/mo
1BR rent + food + taxes + transport · federal sources
Local income tax (monthly, single adult)
$105/mo
Indiana county rate (median) · F3 pipeline · details
Household budget figures are arithmetic floors using current federal sources at the grains documented in methodology. Not a recommended salary, not a poverty threshold, not a composite score.
14.1% foreign-born (U.S. median 14%); Spanish is the most-spoken language at home other than English (3.7% of residents 5+).
A quick read on Carmel's residents — nativity and languages spoken at home shown above, from the ACS 5-Year 2020–2024. The full demographic breakdown (age, race and ethnicity, household types, and educational attainment, each with its margin of error) lives on the demographics page.
Hottest month: July (84°F avg high). Coldest: January (19°F avg low). Annual precipitation: 42.4 in.
30-year climate normals (1991-2020) for Carmel from the U.S. National Oceanic and Atmospheric Administration. See methodology §15 for the gridded vs. station source path.
Average monthly highs & lows · 30-year normal (NOAA 1991–2020). Every number on this chart is an average.
bar = avg daily high → avg daily lowprecip in inches below each barprecip in millimeters below each bar
Natural-hazard exposure for Carmel from the U.S. Federal Emergency Management Agency's National Risk Index (FEMA NRI December 2025 v1.20.0). NRI is an expected-annual-loss composite calibrated on 1996–2019 historical losses, published at the U.S. county grain. See methodology §17.
County
NRI composite
Rating
Top hazards
Hamilton County
88.8
Relatively Moderate
Tornado 96.8 Relatively High · Hail 93.5 Relatively Moderate · Winter Weather 91.2 Relatively High
Source: FEMA National Risk Index · FEMA NRI December 2025 v1.20.0 · methodology →
How fast is home internet in Carmel?
16 non-satellite ISPs serve the area; 80% of locations have gigabit-capable service per ISP filings.
Fixed broadband availability for Carmel from the U.S. Federal Communications Commission's Broadband Data Collection (BDC), as of June 30, 2025. Every speed and provider count below is an ISP-reported advertised maximum — not measured throughput. Actual delivered speeds typically run 60–80% of advertised. See methodology §16.
Measure
Value
Note
Providers serving this city
16 + satellite
distinct ISPs, excluding satellite-only
Fiber providers
14
offer fiber-to-the-premises somewhere in the BDC
Units with ≥100/20 Mbps fixed
100.0%
share of broadband-serviceable units, ISP-reported max
Locations with ≥100 Mbps upload
79.7%
derived: max(fiber ≥100/20, gigabit). Fiber is symmetric; gigabit is ≥100 up by definition
Units with ≥1 Gbps fixed
79.7%
share of broadband-serviceable units, ISP-reported max
Total broadband-serviceable units
45,603
residential locations in the FCC Fabric (not households)
Source: FCC BDC · as of June 30, 2025 · methodology →
In-state context.
Carmel sits at state rank #4 among 566 cities in Indiana. Nearby in the state ranking:
Just above in the profiled set: Boulder, CO · #311 · 105,689 residents.
Just below in the profiled set: Dearborn, MI · #313 · 105,611 residents.
Quick travel facts for Carmel
Quick travel facts.
Nearest commercial airport
Indianapolis International Airport(IND) · 19 mi 30 km from city centroid
Best months to visit
Sep · months when the avg high sits in 65–80°F and precipitation is at or below the city's median monthly precip
Sources: elevation from USGS Elevation Point Query Service (3DEP) · nearest airport from OurAirports CSV (FAA-aligned, type=large/medium, scheduled_service=yes) · best months derived from NOAA 1991-2020 normals · methodology →
Frequently asked questions about Carmel.
How many people live in Carmel, IN?
Carmel has 105,634 residents as of July 1, 2025, making it the #312 largest city in the United States and #4 in Indiana. Source: U.S. Census Bureau Population Estimates Program, Vintage 2025.
Is Carmel growing or shrinking?
Carmel has grown 5.9% since the April 2020 census baseline, adding 5,878 residents, including a 1.9% increase from 2024 to 2025. Source: Census PEP Vintage 2025.
The GEOID for Carmel is 1810342. These are the official datasets used by this profile's main data modules; click "methodology" for inclusion rules and the V2019 ↔ V2025 seam, or "source" for the raw publisher page. The headline population value above includes a source-detail disclosure with publisher, dataset, vintage, native geography, transformation, and caveat.
