Median Income
$46,500
38% lower than US avg
Home Value
$97,400
65% lower than US avg
Violent Crime
285/100K
25% lower than US avg
Bachelor's+
11.7%
65% lower than US avg
Median Rent
$767
34% lower than US avg
Obesity Rate
38.4%
20% higher than US avg
Unemployment
3.8%
6% higher than US avg
Poverty Rate
18.8%
52% higher than US avg
How Cambridge City Compares to the U.S. Average (100% = U.S. avg)
People
Population1,623
Median Age36.7 yrs
Density1,607/mi²
Male / Female46% / 54%
Largest GroupWhite 96%
Veterans12.5%
Economy
B
Median Income$46,500
Per Capita$28,520
Unemployment3.8%
Poverty18.8%
County GDP$3,815M
Commute25 min
Housing
A+
Home Value$97,400
Rent$767
Ownership71.1%
Zillow$177,228
Housing Units813
Rent Burden33.5%
Crime
F
Violent285/100K
Property1,425/100K
Health
Obesity38.4%
Uninsured9.2%
Smoking21.3%
Depression29.8%
Heart Disease6.7%
Climate
Avg Temp50°F (10°C)
AQI41 (Good)
Sunny Days297/yr
Elevation928 ft (283 m)
Education
D
Bachelor's+11.7%
High School+88.0%
Graduate+2.7%
School Score5.57
Community
2024 VoteR 65% / D 33%
Commute25 min
Broadband80.5%
EV Stations1
Libraries5
Is Cambridge City a Good Place to Live?
Based on current data, Cambridge City receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include an elevated poverty rate, below-average incomes. Cambridge City has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Cambridge City is $46,500, 38% below the national average of $75,149. Unemployment stands at 3.8%, indicating a healthy job market. The poverty rate of 18.8% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Cambridge City is $97,400, 65% below the national median / offering relatively affordable homeownership. Renters pay a median of $767 per month, below the national average / a plus for affordability. At just 2.1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Cambridge City is below the national average at 285 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,425 per 100,000, 27% below the national average.
Education
11.7% of residents hold a bachelor's degree, below the national average of 33.7%. 88.0% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Cambridge City experiences four distinct seasons with an average temperature of 50°F. Winters average 26°F in January while summers reach 72°F in July. With 297 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 41.
Cambridge City has a population of 1,623 with a density of 1,607 people per square mile, spread across 1.0 square miles. The median age is 36.7 years, 6% younger than the national median of 38.9. The gender split is 53.9% female and 46.1% male. The city is predominantly White (96%). English is the primary language spoken at home by 98.9% of residents. 12.5% of the population are veterans, above the national rate of 6.0%. 16.6% of residents have a disability (above the 13.0% national average). 94.6% have health insurance coverage.
Population
36.7yrs
Median Age
6% below US avg
Race & Ethnicity
Cambridge City vs U.S. Average
Language Spoken at Home
English Only
98.9%
26% above US avg
Spanish
1.1%
92% below US avg
Social Characteristics
Cambridge City vs U.S. Average
The median household income in Cambridge City is $46,500, which is 38% below the national average of $75,149. Per capita income is $28,520 (below the $39,052 national figure). The average weekly wage is $982, 31% lower than the U.S. average. The unemployment rate is 3.8% (above the 3.6% US average). 18.8% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 1,496 business establishments, including 143 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 25 minutes. 1.4% of workers work from home (below the 15.2% national rate).
Income: Cambridge City vs U.S.
Income
| Median HH Income | $46,500 |
| 38% below US avg |
| Per Capita Income | $28,520 |
| Avg Weekly Wage | $982 |
| IRS Avg AGI | $56,764 |
| Gini Index | 0.448 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.8% |
| 6% above US avg |
| Poverty Rate | 18.8% |
| 52% above US avg |
| Establishments (County) | 1,496 |
| County GDP | $3,815M |
Business (County)
| Restaurants | 143 |
| Healthcare | 193 |
| Retail | 250 |
| Manufacturing | 101 |
Tax & Cost of Living
| Property Tax (IRS) | $3,084 |
| 12% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 3.17% |
Commute & Transportation
| Commute Time | 24.6 min |
| Drive Alone | 88.1% |
| Public Transit | 0.0% |
| Work from Home | 1.4% |
The median home value in Cambridge City is $97,400, 65% below the national median of $281,900. Zillow estimates the typical home value at $177,228, higher than the Census estimate. Monthly rent averages $767 (34% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 71.1% of housing units are owner-occupied. There are 813 total housing units in the city. The median year a home was built is 1949. The average annual property tax is $3,084. 33.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.1x, well within the affordable range.
Home Values
| Census Median | $97,400 |
| 65% below US avg |
| Zillow ZHVI | $177,228 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $767 |
| 34% below US avg |
| Rent Burden | 33.5% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 71.1% |
| Owner-Occupied | 71.1% |
| Renter-Occupied | 28.9% |
| Housing Units | 813 |
| Median Year Built | 1949 |
Property Tax
| Avg Tax (IRS) | $3,084 |
| 12% below US avg |
| Effective Rate | 3.17% |
In Cambridge City, 38.4% of adults are obese, above the national rate of 32.1%. 12.1% have diabetes. Heart disease affects 6.7% of residents, above the national average. 35.8% have high blood pressure. 21.3% are current smokers (above the 14.0% national rate). 18.2% report binge drinking. 27.9% are physically inactive. 29.8% report depression (above the 20.0% national average). 21.7% experience frequent mental distress. 9.2% of residents lack health insurance. The primary care physician ratio is 1:1,661. The dentist ratio is 1:1,506. 76.5% of residents have access to exercise opportunities. The food environment index is 6.2 out of 10.
Health Metrics: Cambridge City vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.4% |
| 20% above US avg |
| Diabetes | 12.1% |
| Heart Disease | 6.7% |
| High Blood Pressure | 35.8% |
| Asthma | 12.2% |
| COPD | 9.3% |
| Cancer | 7.4% |
| Stroke | 3.5% |
Behaviors & Mental Health
| Smoking | 21.3% |
| 52% above US avg |
| Binge Drinking | 18.2% |
| Physical Inactivity | 27.9% |
| Depression | 29.8% |
| Mental Distress | 21.7% |
| Physical Distress | 15.4% |
| Short Sleep | 41.2% |
Healthcare Access
| Insurance Rate | 94.6% |
| Uninsured | 9.2% |
| 7% above US avg |
| Primary Care | 1:1,661 |
| Dentists | 1:1,506 |
| Mental Health | 1:199 |
| Checkup Rate | 77.3% |
| Dental Visits | 50.4% |
| Premature Death | 12,656/100K |
Food & Exercise
| Food Environment | 6.2/10 |
| Exercise Access | 76.5% |
| Healthcare Facilities | 193 |
Cambridge City has a violent crime rate of 285 per 100,000 residents, 25% below the national average of 380. Property crime stands at 1,425 per 100,000, 27% below the U.S. average. The county recorded 8 fatal traffic crashes. Overall, Cambridge City receives a safety grade of F.
Crime Rates: Cambridge City vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 285.1/100K |
| 25% below US avg |
| |
Property Crime
| Total Property | 1,425.3/100K |
| 27% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 8 |
| Traffic Accidents | 218 |
| Avg Accident Severity | 2.3 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cambridge City experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 26°F in January while summers reach 72°F in July. The area gets 297 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 928 feet.
Temperature
26°F Jan (-4°C)
72°F Jul (22°C)
| Annual Average | 49.8°F |
| 8% below US avg |
| January Average | 26°F (-4°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 297 days/yr |
Geography
| Elevation | 928 ft (283 m) |
| Area | 1.0 sq mi (2.6 km²) |
| Population Density | 1,607/sq mi |
| Coordinates | 39.8121°N, 85.1708°W |
| Timezone | America/Indiana/Indianapolis |
| County | Wayne County County |
| Nearest Airport | Delaware County Regional (MIE) 32 miles away |
Precipitation & Snow
Wettest Month (May)
4.72"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 74.1 / 100 |
| Social Vulnerability | 78.5 / 100 |
| Community Resilience | 69.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
8 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.6 on Jun 12, 2015.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
48 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
127 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
135 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
77 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
93 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
139 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
132 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
105 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
580 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 76 fatalities, 2,709 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
97 km |
3 |
| Apr 3, 1974 |
EF5 |
98 km |
36 |
| May 27, 2019 |
EF4 |
61 km |
0 |
| Apr 9, 1999 |
EF4 |
94 km |
4 |
| Jun 11, 1998 |
EF4 |
67 km |
0 |
| Jun 2, 1990 |
EF4 |
69 km |
0 |
| Jul 9, 1980 |
EF4 |
34 km |
2 |
| Apr 3, 1974 |
EF4 |
89 km |
4 |
| Apr 3, 1974 |
EF4 |
42 km |
0 |
| Apr 3, 1974 |
EF4 |
92 km |
2 |
| Apr 3, 1974 |
EF4 |
28 km |
1 |
| May 14, 1972 |
EF4 |
78 km |
0 |
| Apr 11, 1965 |
EF4 |
84 km |
4 |
| Apr 11, 1965 |
EF4 |
90 km |
3 |
| Apr 25, 1961 |
EF4 |
60 km |
0 |
| Mar 6, 1956 |
EF4 |
91 km |
1 |
| Mar 14, 2024 |
EF3 |
41 km |
1 |
| Mar 31, 2023 |
EF3 |
86 km |
0 |
| Mar 31, 2023 |
EF3 |
83 km |
0 |
| May 27, 2019 |
EF3 |
91 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
16 wildfires (100+ acres) within 100 km.
Largest: WUI 3 03 (3,372 ac, 2003).
| Year |
Name |
Acres |
Distance |
| 2003 |
WUI 3 03 |
3,372 |
96 km |
| 2010 |
WUI UNIT 28K |
3,230 |
93 km |
| 1999 |
UNNAMED |
3,122 |
97 km |
| 2005 |
UNIT 3 05 |
2,511 |
97 km |
| 2010 |
TRACER |
1,408 |
94 km |
| 2007 |
UNNAMED |
1,102 |
93 km |
| 1995 |
UNNAMED |
1,019 |
94 km |
| 2008 |
FY 09 UNIT 3 RX FALL 2008 |
949 |
97 km |
| 2004 |
UNIT 30 |
938 |
91 km |
| 2002 |
UNIT 3 |
929 |
97 km |
| 2002 |
UNIT 1 |
707 |
93 km |
| 2004 |
UNIT 1 |
669 |
93 km |
| 2005 |
UNIT 31 05 |
649 |
95 km |
| 2007 |
UNIT 2 07 WUI |
571 |
95 km |
| 2009 |
UNIT 0-H SPRING 2009 |
517 |
98 km |
| 2004 |
UNIT 2 |
514 |
95 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-4°C) |
2.4 in |
Coldest, Driest |
| February |
29°F (-2°C) |
2.4 in |
|
| March |
39°F (4°C) |
3.5 in |
|
| April |
50°F (10°C) |
4.2 in |
|
| May |
61°F (16°C) |
4.7 in |
Wettest |
| June |
70°F (21°C) |
4.2 in |
|
| July |
72°F (22°C) |
4.3 in |
Warmest |
| August |
71°F (22°C) |
3.6 in |
|
| September |
65°F (18°C) |
2.8 in |
|
| October |
53°F (12°C) |
2.9 in |
|
| November |
42°F (5°C) |
3.6 in |
|
| December |
31°F (-1°C) |
3.1 in |
|
Cambridge City has a seasonal temperature swing of 46°F / from 26°F in January to 72°F in July. Total annual precipitation is 41.7 inches, with May being the wettest month (4.7") and January the driest (2.4").
Average costs for common services in Cambridge City. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Frequently Asked Questions About Cambridge City
What is the population of Cambridge City?
Cambridge City has a population of 1,623 residents and is located in Indiana. The population density is 1,607 people per square mile, spread across 1.0 square miles. The median age of residents is 36.7 years, which is younger than the national median of 38.9 years. The population is 53.9% female and 46.1% male.
Is Cambridge City expensive to live in?
Cambridge City is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $46,500, 38% below the national average of $75,149. The median home value is $97,400 (65% below the U.S. median). Renters pay a median of $767 per month, below the national average of $1,163. The home price-to-income ratio is 2.1x, indicating housing is reasonably affordable relative to local income levels.
Is Cambridge City safe?
Cambridge City is safer than the national average, with a violent crime rate of 285 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,425 per 100,000 (below the national average). Overall, Cambridge City receives a safety grade of F based on combined crime data.
What is the weather like in Cambridge City?
Cambridge City has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 26°F in January, while summers reach an average of 72°F in July. The area receives 297 sunny days per year, well above the national average of 205. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Cambridge City?
Cambridge City has a healthy job market with an unemployment rate of 3.8%, near the national average of 3.6%. The average weekly wage is $982. There are 1,496 business establishments in the area, including 143 restaurants and food service locations. The average commute time is 25 minutes, and 1.4% of workers work from home.
How much does housing cost in Cambridge City?
The median home value in Cambridge City is $97,400. Zillow estimates the typical home value at $177,228. For renters, the median monthly rent is $767. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 71.1%. The average annual property tax is $3,084.
How are the schools in Cambridge City?
Schools in Cambridge City score 5.6 out of 10 on standardized testing, near the national average. 11.7% of adults in Cambridge City hold a bachelor's degree or higher, below the national average of 33.7%. 88.0% have completed high school. 2.7% hold a graduate or professional degree.
How healthy is Cambridge City?
The obesity rate in Cambridge City is 38.4% (above the national rate of 32.1%). 21.3% of adults are smokers. 27.9% are physically inactive. 29.8% of residents report depression. 9.2% lack health insurance. 76.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,661.
What is transportation like in Cambridge City?
The average commute in Cambridge City is 25 minutes, shorter than the national average of 28 minutes. 88.1% of workers drive alone to work, and 1.4% work from home.
What are the demographics of Cambridge City?
The racial and ethnic makeup of Cambridge City is 96% White, 0.6% Black or African American, 0.9% Hispanic or Latino. 98.9% of residents speak only English at home. 12.5% of the population are military veterans. 16.6% of residents have a disability. 94.6% have health insurance coverage.