Median Income
$81,495
8% higher than US avg
Home Value
$237,300
16% lower than US avg
Violent Crime
263/100K
31% lower than US avg
Bachelor's+
20.8%
38% lower than US avg
Obesity Rate
38.9%
21% higher than US avg
Unemployment
2.7%
25% lower than US avg
Poverty Rate
7.1%
43% lower than US avg
How Heritage Lake Compares to the U.S. Average (100% = U.S. avg)
People
Population2,913
Median Age34.0 yrs
Density968/mi²
Male / Female48% / 52%
Largest GroupWhite 99%
Veterans10.9%
Economy
A
Median Income$81,495
Per Capita$43,698
Unemployment2.7%
Poverty7.1%
County GDP$1,459M
Commute31 min
Housing
A+
Home Value$237,300
RentN/A
Ownership97.5%
Zillow$310,205
Housing Units1,465
Rent Burden25.6%
Crime
F
Violent263/100K
Property1,082/100K
Health
Obesity38.9%
Uninsured7.1%
Smoking16.6%
Depression27.9%
Heart Disease5.9%
Climate
Avg Temp51°F (10°C)
AQI41 (Good)
Rain46.1 in/yr
Sunny Days293/yr
Elevation872 ft (266 m)
Education
C+
Bachelor's+20.8%
High School+95.1%
Graduate+2.9%
School Score5.90
Community
2024 VoteR 75% / D 23%
Commute31 min
Broadband95.6%
EV Stations1
Libraries2
Is Heritage Lake a Good Place to Live?
Based on current data, Heritage Lake receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include high obesity rates. Heritage Lake offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Heritage Lake is $81,495, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 2.7%. Only 7.1% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Heritage Lake is $237,300, 16% below the national median / offering relatively affordable homeownership. At just 2.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Heritage Lake is below the national average at 263 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,082 per 100,000, 45% below the national average.
Education
20.8% of residents hold a bachelor's degree, below the national average of 33.7%. 95.1% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Heritage Lake experiences four distinct seasons with an average temperature of 51°F. Winters average 26°F in January while summers reach 72°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 46.1 inches, including 22.1 inches of snow. Air quality is rated Good with a median AQI of 41.
Heritage Lake has a population of 2,913 with a density of 968 people per square mile, spread across 3.5 square miles. The median age is 34.0 years, 13% younger than the national median of 38.9. The gender split is 52.1% female and 47.9% male. The city is predominantly White (99.2%). English is the primary language spoken at home by 100% of residents. 10.9% of the population are veterans, above the national rate of 6.0%. 8.4% of residents have a disability (below the 13.0% national average). 96.8% have health insurance coverage.
Population
34.0yrs
Median Age
13% below US avg
Race & Ethnicity
Heritage Lake vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
Heritage Lake vs U.S. Average
The median household income in Heritage Lake is $81,495, which is 8% above the national average of $75,149. Per capita income is $43,698 (above the $39,052 national figure). The average weekly wage is $975, 32% lower than the U.S. average. The unemployment rate is 2.7% (below the 3.6% US average). 7.1% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 768 business establishments, including 79 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 31 minutes. 4.4% of workers work from home (below the 15.2% national rate).
Income: Heritage Lake vs U.S.
Income
| Median HH Income | $81,495 |
| 8% above US avg |
| Per Capita Income | $43,698 |
| Avg Weekly Wage | $975 |
| IRS Avg AGI | $65,519 |
| Gini Index | 0.381 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.7% |
| 25% below US avg |
| Poverty Rate | 7.1% |
| 43% below US avg |
| Establishments (County) | 768 |
| County GDP | $1,459M |
Business (County)
| Restaurants | 79 |
| Healthcare | 71 |
| Retail | 111 |
| Manufacturing | 22 |
Tax & Cost of Living
| Property Tax (IRS) | $2,138 |
| 39% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 0.90% |
Commute & Transportation
| Commute Time | 30.5 min |
| Drive Alone | 87.6% |
| Public Transit | 0.0% |
| Work from Home | 4.4% |
The median home value in Heritage Lake is $237,300, 16% below the national median of $281,900. Zillow estimates the typical home value at $310,205, higher than the Census estimate. Homes sell for 99.8% of their list price. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 97.5% of housing units are owner-occupied (above the 65.4% national rate). There are 1,465 total housing units in the city. The median year a home was built is 1996. The average annual property tax is $2,138 (lower than the $3,500 national average). 25.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.9x, well within the affordable range.
Home Values
| Census Median | $237,300 |
| 16% below US avg |
| Zillow ZHVI | $310,205 |
| Median List Price | $294,900 |
Real Estate Market (Redfin)
| Median List Price | $294,900 |
| $/Sq Ft | $197 |
| Homes Sold | 7 |
| Sale-to-List Ratio | 99.8% |
| Price Drops | 21.4% |
| Inventory | 14 |
Rental Costs
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 97.5% |
| Owner-Occupied | 97.5% |
| Renter-Occupied | 2.5% |
| Housing Units | 1,465 |
| Median Year Built | 1996 |
Property Tax
| Avg Tax (IRS) | $2,138 |
| 39% below US avg |
| Effective Rate | 0.90% |
In Heritage Lake, 38.9% of adults are obese, above the national rate of 32.1%. 10.7% have diabetes. Heart disease affects 5.9% of residents. 33.3% have high blood pressure. 16.6% are current smokers. 18.3% report binge drinking. 22.9% are physically inactive. 27.9% report depression (above the 20.0% national average). 19.2% experience frequent mental distress. 7.1% of residents lack health insurance. The primary care physician ratio is 1:3,082. The dentist ratio is 1:2,194. 62.4% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: Heritage Lake vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.9% |
| 21% above US avg |
| Diabetes | 10.7% |
| Heart Disease | 5.9% |
| High Blood Pressure | 33.3% |
| Asthma | 11.7% |
| COPD | 7.3% |
| Cancer | 7.6% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.6% |
| 19% above US avg |
| Binge Drinking | 18.3% |
| Physical Inactivity | 22.9% |
| Depression | 27.9% |
| Mental Distress | 19.2% |
| Physical Distress | 13.2% |
| Short Sleep | 39.4% |
Healthcare Access
| Insurance Rate | 96.8% |
| Uninsured | 7.1% |
| 17% below US avg |
| Primary Care | 1:3,082 |
| Dentists | 1:2,194 |
| Mental Health | 1:963 |
| Checkup Rate | 77.8% |
| Dental Visits | 62.5% |
| Premature Death | 8,446/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 62.4% |
| Healthcare Facilities | 71 |
Heritage Lake has a violent crime rate of 263 per 100,000 residents, 31% below the national average of 380. Property crime stands at 1,082 per 100,000, 45% below the U.S. average. The county recorded 8 fatal traffic crashes. Overall, Heritage Lake receives a safety grade of F.
Crime Rates: Heritage Lake vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 262.6/100K |
| 31% below US avg |
| |
Property Crime
| Total Property | 1,082.1/100K |
| 45% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 8 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Heritage Lake experiences four distinct seasons with an average annual temperature of 51°F (10°C). Winters average 26°F in January while summers reach 72°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 46.1 inches (wetter than the 38-inch national average). The area receives 22.1 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 872 feet.
Temperature
26°F Jan (-4°C)
72°F Jul (22°C)
| Annual Average | 50.5°F |
| 6% below US avg |
| January Average | 26°F (-4°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 872 ft (266 m) |
| Area | 3.5 sq mi (9.0 km²) |
| Population Density | 968/sq mi |
| Coordinates | 39.7371°N, 86.7072°W |
| Timezone | America/Indiana/Indianapolis |
| County | Putnam County County |
| Nearest Airport | Indianapolis International (IND) 22 miles away |
Precipitation & Snow
Annual Rainfall
46.1"
21% above US avg
Wettest Month (Jul)
4.72"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 42.8 / 100 |
| Social Vulnerability | 31.5 / 100 |
| Community Resilience | 70.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
11 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M3.3 on May 13, 2025.
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
51 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
127 km |
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
91 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
18 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
5 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
145 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
47 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
122 km |
| Dec 16, 1996 |
3 km NNE of Terre Haute, Indiana |
M3.1 |
65 km |
| May 10, 2012 |
1 km NNW of Emison, Indiana |
M2.7 |
121 km |
| Jan 29, 1990 |
11 km S of Paoli, Indiana |
M2.6 |
145 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
583 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 88 fatalities, 1,955 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 11, 1998 |
EF4 |
65 km |
0 |
| Apr 26, 1994 |
EF4 |
85 km |
3 |
| Mar 20, 1976 |
EF4 |
85 km |
0 |
| Apr 3, 1974 |
EF4 |
92 km |
18 |
| Apr 3, 1974 |
EF4 |
90 km |
0 |
| May 14, 1972 |
EF4 |
54 km |
0 |
| Apr 11, 1965 |
EF4 |
34 km |
28 |
| Apr 11, 1965 |
EF4 |
67 km |
0 |
| Apr 11, 1965 |
EF4 |
79 km |
25 |
| Apr 25, 1961 |
EF4 |
80 km |
0 |
| Mar 31, 2023 |
EF3 |
56 km |
0 |
| Mar 31, 2023 |
EF3 |
49 km |
2 |
| Aug 24, 2016 |
EF3 |
92 km |
0 |
| Nov 17, 2013 |
EF3 |
69 km |
0 |
| Mar 8, 2009 |
EF3 |
99 km |
0 |
| Jun 3, 2008 |
EF3 |
93 km |
1 |
| Nov 15, 2005 |
EF3 |
91 km |
0 |
| Sep 20, 2002 |
EF3 |
57 km |
0 |
| Jun 11, 1998 |
EF3 |
92 km |
0 |
| Nov 22, 1992 |
EF3 |
79 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
5 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (1,547 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
UNNAMED |
1,547 |
78 km |
| 2007 |
UNNAMED |
1,102 |
73 km |
| 2016 |
UNNAMED |
898 |
78 km |
| 2010 |
FORK RIDGE RX |
697 |
93 km |
| 2019 |
UNNAMED |
670 |
93 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-4°C) |
2.2 in |
Coldest, Driest |
| February |
30°F (-1°C) |
2.3 in |
|
| March |
40°F (5°C) |
3.5 in |
|
| April |
51°F (11°C) |
3.9 in |
|
| May |
61°F (16°C) |
4.5 in |
|
| June |
70°F (21°C) |
4.1 in |
|
| July |
72°F (22°C) |
4.7 in |
Warmest, Wettest |
| August |
72°F (22°C) |
4.0 in |
|
| September |
66°F (19°C) |
3.2 in |
|
| October |
54°F (12°C) |
3.0 in |
|
| November |
42°F (6°C) |
3.7 in |
|
| December |
31°F (-1°C) |
3.1 in |
|
Heritage Lake has a seasonal temperature swing of 47°F / from 26°F in January to 72°F in July. Total annual precipitation is 42.3 inches, with July being the wettest month (4.7") and January the driest (2.2").
Average costs for common services in Heritage Lake. 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 Heritage Lake
What is the population of Heritage Lake?
Heritage Lake has a population of 2,913 residents and is located in Indiana. The population density is 968 people per square mile, spread across 3.5 square miles. The median age of residents is 34.0 years, which is younger than the national median of 38.9 years. The population is 52.1% female and 47.9% male.
Is Heritage Lake expensive to live in?
Heritage Lake 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 $81,495, 8% above the national average of $75,149. The median home value is $237,300 (16% below the U.S. median). The home price-to-income ratio is 2.9x, indicating housing is reasonably affordable relative to local income levels.
Is Heritage Lake safe?
Heritage Lake is safer than the national average, with a violent crime rate of 263 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,082 per 100,000 (below the national average). Overall, Heritage Lake receives a safety grade of F based on combined crime data.
What is the weather like in Heritage Lake?
Heritage Lake has a four-season climate with an average annual temperature of 51°F (10°C). Winter temperatures average 26°F in January, while summers reach an average of 72°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 46.1 inches, with 22.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Heritage Lake?
The job market in Heritage Lake is very strong, with unemployment at just 2.7% / well below the national rate of 3.6%. The average weekly wage is $975. There are 768 business establishments in the area, including 79 restaurants and food service locations. The average commute time is 31 minutes, and 4.4% of workers work from home.
How much does housing cost in Heritage Lake?
The median home value in Heritage Lake is $237,300. Zillow estimates the typical home value at $310,205. The homeownership rate is 97.5%. The average annual property tax is $2,138.
How are the schools in Heritage Lake?
Schools in Heritage Lake score 5.9 out of 10 on standardized testing, near the national average. 20.8% of adults in Heritage Lake hold a bachelor's degree or higher, below the national average of 33.7%. 95.1% have completed high school. 2.9% hold a graduate or professional degree.
How healthy is Heritage Lake?
The obesity rate in Heritage Lake is 38.9% (above the national rate of 32.1%). 16.6% of adults are smokers. 22.9% are physically inactive. 27.9% of residents report depression. 7.1% lack health insurance (below the national rate). 62.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,082.
What is transportation like in Heritage Lake?
The average commute in Heritage Lake is 31 minutes, longer than the national average of 28 minutes. 87.6% of workers drive alone to work, and 4.4% work from home.
What are the demographics of Heritage Lake?
The racial and ethnic makeup of Heritage Lake is 99.2% White. 100% of residents speak only English at home. 10.9% of the population are military veterans. 8.4% of residents have a disability. 96.8% have health insurance coverage.