Median Income
$61,500
18% lower than US avg
Home Value
$135,700
52% lower than US avg
Violent Crime
219/100K
42% lower than US avg
Bachelor's+
30.0%
11% lower than US avg
Median Rent
$760
35% lower than US avg
Obesity Rate
38.5%
20% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Mount Carmel Compares to the U.S. Average (100% = U.S. avg)
People
Population45
Median Age47.6 yrs
Density1,125/mi²
Male / Female49% / 51%
Largest GroupWhite 98%
Veterans41.0%
Economy
A
Median Income$61,500
Per Capita$38,104
Unemployment0.0%
Poverty0.0%
County GDP$216M
Commute41 min
Housing
A+
Home Value$135,700
Rent$760
Ownership58.3%
Zillow$255,075
Housing Units23
Rent Burden14.0%
Crime
F
Violent219/100K
Property2,745/100K
Health
Obesity38.5%
Uninsured6.6%
Smoking14.2%
Depression26.3%
Heart Disease5.2%
Climate
Avg Temp54°F (12°C)
AQI41 (Good)
Rain45.0 in/yr
Sunny Days293/yr
Elevation1,019 ft (311 m)
Education
B
Bachelor's+30.0%
High School+62.5%
Graduate+0.0%
School Score6.34
Community
2024 VoteR 77% / D 21%
Commute41 min
Broadband24.0%
EV Stations2
Libraries1
Is Mount Carmel a Good Place to Live?
Based on current data, Mount Carmel receives an overall livability score of 3.4 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 long commute times. Mount Carmel offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Mount Carmel is $61,500, 18% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 41 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Mount Carmel is $135,700, 52% below the national median / offering relatively affordable homeownership. Renters pay a median of $760 per month, below the national average / a plus for affordability. At just 2.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Mount Carmel is below the national average at 219 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,745 per 100,000, 40% above the national average.
Education
30.0% of residents hold a bachelor's degree, below the national average of 33.7%. 62.5% have completed high school. Local schools score 6.3/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Mount Carmel experiences four distinct seasons with an average temperature of 54°F. Winters average 30°F in January while summers reach 76°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 45.0 inches. Air quality is rated Good with a median AQI of 41.
Mount Carmel has a population of 45 with a density of 1,125 people per square mile, spread across 0.1 square miles. The median age is 47.6 years, 22% older than the national median of 38.9. The gender split is 51.1% female and 48.9% male. The city is predominantly White (97.8%), with 2.2% Black. English is the primary language spoken at home by 96.8% of residents. 41.0% of the population are veterans, above the national rate of 6.0%. 19.4% of residents have a disability (above the 13.0% national average). 90.3% have health insurance coverage.
Population
47.6yrs
Median Age
22% above US avg
Race & Ethnicity
Mount Carmel vs U.S. Average
Language Spoken at Home
English Only
96.8%
23% above US avg
Spanish
3.2%
76% below US avg
Social Characteristics
Mount Carmel vs U.S. Average
The median household income in Mount Carmel is $61,500, which is 18% below the national average of $75,149. Per capita income is $38,104. The average weekly wage is $845, 41% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 150 business establishments, including 11 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 41 minutes (longer than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income: Mount Carmel vs U.S.
Income
| Median HH Income | $61,500 |
| 18% below US avg |
| Per Capita Income | $38,104 |
| Avg Weekly Wage | $845 |
| IRS Avg AGI | $58,495 |
| Gini Index | 0.380 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 150 |
| County GDP | $216M |
Business (County)
| Restaurants | 11 |
| Healthcare | 8 |
| Retail | 28 |
| Manufacturing | 7 |
Tax & Cost of Living
| Property Tax (IRS) | $1,775 |
| 49% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 1.31% |
Commute & Transportation
| Commute Time | 41.4 min |
| Drive Alone | 75.9% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Mount Carmel is $135,700, 52% below the national median of $281,900. Zillow estimates the typical home value at $255,075, higher than the Census estimate. Monthly rent averages $760 (35% 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. 58.3% of housing units are owner-occupied (below the 65.4% national rate). There are 23 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $1,775 (lower than the $3,500 national average). 14.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.2x, well within the affordable range.
Home Values
| Census Median | $135,700 |
| 52% below US avg |
| Zillow ZHVI | $255,075 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $760 |
| 35% below US avg |
| Rent Burden | 14.0% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 58.3% |
| Owner-Occupied | 58.3% |
| Renter-Occupied | 41.7% |
| Housing Units | 23 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $1,775 |
| 49% below US avg |
| Effective Rate | 1.31% |
In Mount Carmel, 38.5% of adults are obese, above the national rate of 32.1%. 9.4% have diabetes. Heart disease affects 5.2% of residents. 32.2% have high blood pressure. 14.2% are current smokers. 19.6% report binge drinking. 20.7% are physically inactive, below the national average. 26.3% report depression (above the 20.0% national average). 17.9% experience frequent mental distress. 6.6% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:7,047. 62.1% of residents have access to exercise opportunities.
Health Metrics: Mount Carmel vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.5% |
| 20% above US avg |
| Diabetes | 9.4% |
| Heart Disease | 5.2% |
| High Blood Pressure | 32.2% |
| Asthma | 11.1% |
| COPD | 5.9% |
| Cancer | 7.6% |
| Stroke | 2.5% |
Behaviors & Mental Health
| Smoking | 14.2% |
| 1% above US avg |
| Binge Drinking | 19.6% |
| Physical Inactivity | 20.7% |
| Depression | 26.3% |
| Mental Distress | 17.9% |
| Physical Distress | 11.7% |
| Short Sleep | 35.1% |
Healthcare Access
| Insurance Rate | 90.3% |
| Uninsured | 6.6% |
| 23% below US avg |
| Primary Care | 1:7,047 |
| Mental Health | 1:6,973 |
| Checkup Rate | 78.2% |
| Dental Visits | 65.5% |
| Premature Death | 9,986/100K |
Food & Exercise
| Exercise Access | 62.1% |
| Healthcare Facilities | 8 |
Mount Carmel has a violent crime rate of 219 per 100,000 residents, 42% below the national average of 380. Property crime stands at 2,745 per 100,000, 40% above the U.S. average. The county recorded 2 fatal traffic crashes. Overall, Mount Carmel receives a safety grade of F.
Crime Rates: Mount Carmel vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 218.8/100K |
| 42% below US avg |
| |
Property Crime
| Total Property | 2,745.2/100K |
| 40% 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 |
Mount Carmel experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 30°F in January while summers reach 76°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 45.0 inches. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 1,019 feet.
Temperature
30°F Jan (-1°C)
76°F Jul (24°C)
| Annual Average | 53.6°F |
| 1% below US avg |
| January Average | 30°F (-1°C) |
| July Average | 76°F (24°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 1,019 ft (311 m) |
| Area | 0.1 sq mi (0.1 km²) |
| Population Density | 1,125/sq mi |
| Coordinates | 39.4074°N, 84.8755°W |
| Timezone | America/Indiana/Indianapolis |
| County | Union County County |
| Nearest Airport | Butler County Regional/Hogan Field (HAO)
19 miles away |
Precipitation & Snow
Annual Rainfall
45.0"
19% above US avg
Wettest Month (May)
4.76"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 5.2 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 20.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| 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
9 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.5 on Jan 28, 2024.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
71 km |
| Feb 19, 1995 |
8 km SSE of Rocky Fork Point, Ohio |
M3.6 |
125 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
117 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
118 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
115 km |
| May 11, 2015 |
5 km ESE of Maysville, Kentucky |
M2.6 |
135 km |
| Jul 23, 2013 |
6 km NNE of Germantown, Kentucky |
M2.6 |
112 km |
| Jan 28, 2024 |
3 km SW of Old Washington, Kentucky |
M2.5 |
127 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
142 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
555 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 84 fatalities, 3,028 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
75 km |
36 |
| Apr 3, 1974 |
EF5 |
49 km |
3 |
| May 27, 2019 |
EF4 |
58 km |
0 |
| Mar 2, 2012 |
EF4 |
72 km |
4 |
| Sep 20, 2000 |
EF4 |
81 km |
1 |
| Apr 9, 1999 |
EF4 |
48 km |
4 |
| Nov 22, 1992 |
EF4 |
91 km |
1 |
| Jun 2, 1990 |
EF4 |
21 km |
0 |
| Jul 9, 1980 |
EF4 |
57 km |
2 |
| Apr 3, 1974 |
EF4 |
79 km |
1 |
| Apr 3, 1974 |
EF4 |
79 km |
4 |
| Apr 3, 1974 |
EF4 |
79 km |
0 |
| Apr 3, 1974 |
EF4 |
77 km |
0 |
| Apr 3, 1974 |
EF4 |
42 km |
2 |
| Apr 23, 1968 |
EF4 |
62 km |
1 |
| Apr 23, 1968 |
EF4 |
93 km |
6 |
| Apr 25, 1961 |
EF4 |
82 km |
0 |
| Mar 14, 2024 |
EF3 |
88 km |
1 |
| May 27, 2019 |
EF3 |
77 km |
0 |
| May 27, 2019 |
EF3 |
72 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: JPG 09 1 (6,113 ac, 1998).
| Year |
Name |
Acres |
Distance |
| 1998 |
JPG 09 1 |
6,113 |
75 km |
| 2005 |
RX BURNPLAN AREA 2-06 |
5,054 |
75 km |
| 2007 |
UNITS 8-9 2008 |
4,316 |
77 km |
| 2006 |
UNIT 19 06 WUI |
3,412 |
78 km |
| 2003 |
WUI 3 03 |
3,372 |
69 km |
| 2010 |
WUI UNIT 28K |
3,230 |
66 km |
| 1999 |
UNNAMED |
3,122 |
69 km |
| 2002 |
UNIT 8 |
2,753 |
78 km |
| 2005 |
UNIT 3 05 |
2,511 |
69 km |
| 2001 |
01 UNIT 16 |
2,361 |
74 km |
| 2011 |
WUI UNITS 0 AND 1 2011 |
2,215 |
78 km |
| 2004 |
UNIT 19 |
2,004 |
79 km |
| 2003 |
UNIT 8 03 |
1,971 |
76 km |
| 2008 |
FY 09 UNIT 42 RX FALL 2008 |
1,942 |
73 km |
| 2000 |
JPG 14 |
1,908 |
76 km |
| 2003 |
UNIT 16 03 |
1,809 |
75 km |
| 2002 |
UNIT 9 |
1,485 |
77 km |
| 1995 |
UNNAMED |
1,462 |
73 km |
| 2010 |
TRACER |
1,408 |
66 km |
| 2007 |
UNNAMED |
1,334 |
73 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
30°F (-1°C) |
2.7 in |
Coldest |
| February |
31°F (-1°C) |
2.6 in |
Driest |
| March |
41°F (5°C) |
3.8 in |
|
| April |
51°F (11°C) |
4.1 in |
|
| May |
61°F (16°C) |
4.8 in |
Wettest |
| June |
70°F (21°C) |
4.0 in |
|
| July |
76°F (24°C) |
4.2 in |
Warmest |
| August |
72°F (22°C) |
3.7 in |
|
| September |
66°F (19°C) |
2.8 in |
|
| October |
54°F (12°C) |
3.1 in |
|
| November |
43°F (6°C) |
3.6 in |
|
| December |
33°F (0°C) |
3.3 in |
|
Mount Carmel has a seasonal temperature swing of 46°F / from 30°F in January to 76°F in July. Total annual precipitation is 42.6 inches, with May being the wettest month (4.8") and February the driest (2.6").
Average costs for common services in Mount Carmel. 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 Mount Carmel
What is the population of Mount Carmel?
Mount Carmel has a population of 45 residents and is located in Indiana. The population density is 1,125 people per square mile, spread across 0.1 square miles. The median age of residents is 47.6 years, which is older than the national median of 38.9 years. The population is 51.1% female and 48.9% male.
Is Mount Carmel expensive to live in?
Mount Carmel 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 $61,500, 18% below the national average of $75,149. The median home value is $135,700 (52% below the U.S. median). Renters pay a median of $760 per month, below the national average of $1,163. The home price-to-income ratio is 2.2x, indicating housing is reasonably affordable relative to local income levels.
Is Mount Carmel safe?
Mount Carmel is safer than the national average, with a violent crime rate of 219 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,745 per 100,000 (above the national average). Overall, Mount Carmel receives a safety grade of F based on combined crime data.
What is the weather like in Mount Carmel?
Mount Carmel has a four-season climate with an average annual temperature of 54°F (12°C). Winter temperatures average 30°F in January, while summers reach an average of 76°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 45.0 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Mount Carmel?
The job market in Mount Carmel is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $845. There are 150 business establishments in the area, including 11 restaurants and food service locations. The average commute time is 41 minutes, and 0.0% of workers work from home.
How much does housing cost in Mount Carmel?
The median home value in Mount Carmel is $135,700. Zillow estimates the typical home value at $255,075. For renters, the median monthly rent is $760. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 58.3%. The average annual property tax is $1,775.
How are the schools in Mount Carmel?
Schools in Mount Carmel score 6.3 out of 10 on standardized testing, near the national average. 30.0% of adults in Mount Carmel hold a bachelor's degree or higher, below the national average of 33.7%. 62.5% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Mount Carmel?
The obesity rate in Mount Carmel is 38.5% (above the national rate of 32.1%). 14.2% of adults are smokers. 20.7% are physically inactive. 26.3% of residents report depression. 6.6% lack health insurance (below the national rate). 62.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:7,047.
What is transportation like in Mount Carmel?
The average commute in Mount Carmel is 41 minutes, longer than the national average of 28 minutes. 75.9% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Mount Carmel?
The racial and ethnic makeup of Mount Carmel is 97.8% White, 2.2% Black or African American. 96.8% of residents speak only English at home, while 3.2% speak Spanish. 41.0% of the population are military veterans. 19.4% of residents have a disability. 90.3% have health insurance coverage.
All Countries
