Median Income
$42,833
43% lower than US avg
Home Value
$77,100
73% lower than US avg
Violent Crime
17/100K
96% lower than US avg
Bachelor's+
7.9%
77% lower than US avg
Median Rent
$649
44% lower than US avg
Obesity Rate
41.2%
28% higher than US avg
Unemployment
1.2%
67% lower than US avg
Poverty Rate
18.0%
45% higher than US avg
How Montpelier Compares to the U.S. Average (100% = U.S. avg)
People
Population1,444
Median Age48.5 yrs
Density963/mi²
Male / Female47% / 53%
Largest GroupWhite 95%
Veterans8.1%
Economy
B
Median Income$42,833
Per Capita$30,393
Unemployment1.2%
Poverty18.0%
County GDP$428M
Commute30 min
Housing
A+
Home Value$77,100
Rent$649
Ownership64.2%
Zillow$141,280
Housing Units856
Rent Burden33.0%
Crime
F
Violent17/100K
Property3,370/100K
Health
Obesity41.2%
Uninsured8.6%
Smoking18.4%
Depression27.7%
Heart Disease5.8%
Climate
Avg Temp50°F (10°C)
AQI41 (Good)
Rain40.0 in/yr
Sunny Days275/yr
Elevation880 ft (268 m)
Education
D
Bachelor's+7.9%
High School+90.9%
Graduate+2.7%
School Score6.03
Community
2024 VoteR 74% / D 24%
Commute30 min
Broadband80.0%
EV Stations1
Libraries2
Is Montpelier a Good Place to Live?
Based on current data, Montpelier receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, below-average incomes, high obesity rates. Montpelier has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Montpelier is $42,833, 43% below the national average of $75,149. The job market is very strong with unemployment at just 1.2%. The poverty rate of 18.0% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Montpelier is $77,100, 73% below the national median / offering relatively affordable homeownership. Renters pay a median of $649 per month, below the national average / a plus for affordability. At just 1.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Montpelier is a very safe community with a violent crime rate of 17 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 3,370 per 100,000, 72% above the national average.
Education
7.9% of residents hold a bachelor's degree, below the national average of 33.7%. 90.9% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Montpelier experiences four distinct seasons with an average temperature of 50°F. Winters average 25°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.0 inches, including 23.3 inches of snow. Air quality is rated Good with a median AQI of 41.
Montpelier has a population of 1,444 with a density of 963 people per square mile, spread across 1.5 square miles. The median age is 48.5 years, 25% older than the national median of 38.9. The gender split is 52.9% female and 47.1% male. The city is predominantly White (95.3%). English is the primary language spoken at home by 98.7% of residents. 8.1% of the population are veterans, above the national rate of 6.0%. 24.2% of residents have a disability (above the 13.0% national average). 91.8% have health insurance coverage.
Population
48.5yrs
Median Age
25% above US avg
Race & Ethnicity
Montpelier vs U.S. Average
Language Spoken at Home
English Only
98.7%
26% above US avg
Spanish
1.3%
90% below US avg
Social Characteristics
Montpelier vs U.S. Average
The median household income in Montpelier is $42,833, which is 43% below the national average of $75,149. Per capita income is $30,393 (below the $39,052 national figure). The average weekly wage is $897, 37% lower than the U.S. average. The unemployment rate is 1.2% (below the 3.6% US average). 18.0% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 245 business establishments, including 17 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 30 minutes. 4.4% of workers work from home (below the 15.2% national rate).
Income: Montpelier vs U.S.
Income
| Median HH Income | $42,833 |
| 43% below US avg |
| Per Capita Income | $30,393 |
| Avg Weekly Wage | $897 |
| IRS Avg AGI | $54,691 |
| Gini Index | 0.484 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.2% |
| 67% below US avg |
| Poverty Rate | 18.0% |
| 45% above US avg |
| Establishments (County) | 245 |
| County GDP | $428M |
Business (County)
| Restaurants | 17 |
| Healthcare | 31 |
| Retail | 34 |
| Manufacturing | 21 |
Tax & Cost of Living
| Property Tax (IRS) | $2,313 |
| 34% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 3.00% |
Commute & Transportation
| Commute Time | 30.0 min |
| Drive Alone | 77.5% |
| Public Transit | 0.0% |
| Work from Home | 4.4% |
The median home value in Montpelier is $77,100, 73% below the national median of $281,900. Zillow estimates the typical home value at $141,280, higher than the Census estimate. Monthly rent averages $649 (44% 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. 64.2% of housing units are owner-occupied. There are 856 total housing units in the city. The median year a home was built is 1964. The average annual property tax is $2,313 (lower than the $3,500 national average). 33.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.8x, well within the affordable range.
Home Values
| Census Median | $77,100 |
| 73% below US avg |
| Zillow ZHVI | $141,280 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $649 |
| 44% below US avg |
| Rent Burden | 33.0% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 64.2% |
| Owner-Occupied | 64.2% |
| Renter-Occupied | 35.8% |
| Housing Units | 856 |
| Median Year Built | 1964 |
Property Tax
| Avg Tax (IRS) | $2,313 |
| 34% below US avg |
| Effective Rate | 3.00% |
In Montpelier, 41.2% of adults are obese, above the national rate of 32.1%. 10.9% have diabetes. Heart disease affects 5.8% of residents. 33.8% have high blood pressure. 18.4% are current smokers (above the 14.0% national rate). 18.2% report binge drinking. 25.0% are physically inactive. 27.7% report depression (above the 20.0% national average). 20.1% experience frequent mental distress. 8.6% of residents lack health insurance. The primary care physician ratio is 1:1,511. The dentist ratio is 1:5,960. 42.5% of residents have access to exercise opportunities. The food environment index is 6.9 out of 10.
Health Metrics: Montpelier vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.2% |
| 28% above US avg |
| Diabetes | 10.9% |
| Heart Disease | 5.8% |
| High Blood Pressure | 33.8% |
| Asthma | 11.7% |
| COPD | 7.9% |
| Cancer | 7.4% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 18.4% |
| 31% above US avg |
| Binge Drinking | 18.2% |
| Physical Inactivity | 25.0% |
| Depression | 27.7% |
| Mental Distress | 20.1% |
| Physical Distress | 13.9% |
| Short Sleep | 38.1% |
Healthcare Access
| Insurance Rate | 91.8% |
| Uninsured | 8.6% |
| 0% below US avg |
| Primary Care | 1:1,511 |
| Dentists | 1:5,960 |
| Mental Health | 1:2,379 |
| Checkup Rate | 76.5% |
| Dental Visits | 58.8% |
| Premature Death | 13,647/100K |
Food & Exercise
| Food Environment | 6.9/10 |
| Exercise Access | 42.5% |
| Healthcare Facilities | 31 |
Montpelier has a violent crime rate of 17 per 100,000 residents, 96% below the national average of 380. Property crime stands at 3,370 per 100,000, 72% above the U.S. average. The county recorded 2 fatal traffic crashes. Overall, Montpelier receives a safety grade of F.
Crime Rates: Montpelier vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 16.5/100K |
| 96% below US avg |
| |
Property Crime
| Total Property | 3,370.2/100K |
| 72% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 2 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Montpelier experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 25°F in January while summers reach 73°F in July. The area gets 275 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 40.0 inches. The area receives 23.3 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 880 feet.
Temperature
25°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 50.1°F |
| 7% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 880 ft (268 m) |
| Area | 1.5 sq mi (4.0 km²) |
| Population Density | 963/sq mi |
| Coordinates | 40.5498°N, 85.2870°W |
| Timezone | America/Indiana/Indianapolis |
| County | Blackford County County |
| Nearest Airport | Delaware County Regional (MIE)
22 miles away |
Precipitation & Snow
Annual Rainfall
40.0"
5% above US avg
Wettest Month (Jun)
4.02"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 9.0 / 100 |
| Social Vulnerability | 51.5 / 100 |
| Community Resilience | 90.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
7 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 |
110 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
115 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
38 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
77 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
104 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
63 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
55 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
557 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 65 fatalities, 1,599 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 10, 2002 |
EF4 |
51 km |
4 |
| Feb 18, 1992 |
EF4 |
64 km |
0 |
| Apr 3, 1974 |
EF4 |
56 km |
1 |
| Apr 3, 1974 |
EF4 |
94 km |
0 |
| Apr 11, 1965 |
EF4 |
94 km |
25 |
| Apr 11, 1965 |
EF4 |
96 km |
13 |
| Apr 11, 1965 |
EF4 |
80 km |
3 |
| Apr 11, 1965 |
EF4 |
8 km |
4 |
| Mar 6, 1956 |
EF4 |
24 km |
1 |
| Mar 14, 2024 |
EF3 |
44 km |
1 |
| Mar 14, 2024 |
EF3 |
95 km |
3 |
| Mar 31, 2023 |
EF3 |
27 km |
0 |
| May 27, 2019 |
EF3 |
50 km |
1 |
| May 27, 2019 |
EF3 |
86 km |
0 |
| May 27, 2019 |
EF3 |
9 km |
0 |
| May 27, 2019 |
EF3 |
94 km |
0 |
| Aug 24, 2016 |
EF3 |
73 km |
0 |
| Aug 24, 2016 |
EF3 |
77 km |
0 |
| Jun 5, 2010 |
EF3 |
76 km |
0 |
| May 30, 2004 |
EF3 |
74 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
2.0 in |
Coldest |
| February |
27°F (-3°C) |
1.9 in |
Driest |
| March |
38°F (3°C) |
3.0 in |
|
| April |
49°F (9°C) |
3.7 in |
|
| May |
60°F (16°C) |
3.9 in |
|
| June |
69°F (21°C) |
4.0 in |
Wettest |
| July |
73°F (23°C) |
3.9 in |
Warmest |
| August |
71°F (22°C) |
3.5 in |
|
| September |
64°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.6 in |
|
| November |
41°F (5°C) |
3.0 in |
|
| December |
30°F (-1°C) |
2.8 in |
|
Montpelier has a seasonal temperature swing of 49°F / from 25°F in January to 73°F in July. Total annual precipitation is 37.3 inches, with June being the wettest month (4.0") and February the driest (1.9").
Average costs for common services in Montpelier. 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 Montpelier
What is the population of Montpelier?
Montpelier has a population of 1,444 residents and is located in Indiana. The population density is 963 people per square mile, spread across 1.5 square miles. The median age of residents is 48.5 years, which is older than the national median of 38.9 years. The population is 52.9% female and 47.1% male.
Is Montpelier expensive to live in?
Montpelier 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 $42,833, 43% below the national average of $75,149. The median home value is $77,100 (73% below the U.S. median). Renters pay a median of $649 per month, below the national average of $1,163. The home price-to-income ratio is 1.8x, indicating housing is reasonably affordable relative to local income levels.
Is Montpelier safe?
Montpelier is considered a very safe city with a violent crime rate of 17 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 3,370 per 100,000 (above the national average). Overall, Montpelier receives a safety grade of F based on combined crime data.
What is the weather like in Montpelier?
Montpelier has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 25°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 40.0 inches, with 23.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Montpelier?
The job market in Montpelier is very strong, with unemployment at just 1.2% / well below the national rate of 3.6%. The average weekly wage is $897. There are 245 business establishments in the area, including 17 restaurants and food service locations. The average commute time is 30 minutes, and 4.4% of workers work from home.
How much does housing cost in Montpelier?
The median home value in Montpelier is $77,100. Zillow estimates the typical home value at $141,280. For renters, the median monthly rent is $649. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 64.2%. The average annual property tax is $2,313.
How are the schools in Montpelier?
Schools in Montpelier score 6 out of 10 on standardized testing, near the national average. 7.9% of adults in Montpelier hold a bachelor's degree or higher, below the national average of 33.7%. 90.9% have completed high school. 2.7% hold a graduate or professional degree.
How healthy is Montpelier?
The obesity rate in Montpelier is 41.2% (above the national rate of 32.1%). 18.4% of adults are smokers. 25.0% are physically inactive. 27.7% of residents report depression. 8.6% lack health insurance. 42.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,511.
What is transportation like in Montpelier?
The average commute in Montpelier is 30 minutes. 77.5% of workers drive alone to work, and 4.4% work from home.
What are the demographics of Montpelier?
The racial and ethnic makeup of Montpelier is 95.3% White, 0.7% Black or African American, 0.7% Hispanic or Latino. 98.7% of residents speak only English at home. 8.1% of the population are military veterans. 24.2% of residents have a disability. 91.8% have health insurance coverage.
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