Median Income
$50,799
32% lower than US avg
Home Value
$116,200
59% lower than US avg
Violent Crime
263/100K
31% lower than US avg
Bachelor's+
11.8%
65% lower than US avg
Median Rent
$826
29% lower than US avg
Obesity Rate
36.2%
13% higher than US avg
Unemployment
3.6%
0% lower than US avg
Poverty Rate
7.6%
39% lower than US avg
How Osgood Compares to the U.S. Average (100% = U.S. avg)
People
Population1,583
Median Age35.3 yrs
Density1,021/mi²
Male / Female52% / 48%
Largest GroupWhite 87%
Veterans6.7%
Economy
B+
Median Income$50,799
Per Capita$25,902
Unemployment3.6%
Poverty7.6%
County GDP$1,408M
Commute28 min
Housing
A+
Home Value$116,200
Rent$826
Ownership49.0%
Zillow$246,437
Housing Units706
Rent Burden22.8%
Crime
F
Violent263/100K
Property644/100K
Health
Obesity36.2%
Uninsured8.2%
Smoking18.0%
Depression26.3%
Heart Disease5.7%
Climate
Avg Temp51°F (11°C)
AQI41 (Good)
Sunny Days297/yr
Elevation985 ft (300 m)
Education
D
Bachelor's+11.8%
High School+84.1%
Graduate+1.7%
School Score6.52
Community
2024 VoteR 80% / D 19%
Commute28 min
Broadband82.2%
EV Stations1
Libraries4
Is Osgood a Good Place to Live?
Based on current data, Osgood receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include below-average incomes. Osgood has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Osgood is $50,799, 32% below the national average of $75,149. Unemployment stands at 3.6%, indicating a healthy job market. Only 7.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 28 minutes.
Cost of Living & Housing
The median home value in Osgood is $116,200, 59% below the national median / offering relatively affordable homeownership. Renters pay a median of $826 per month, below the national average / a plus for affordability. At just 2.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Osgood is below the national average at 263 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 644 per 100,000, 67% below the national average.
Education
11.8% of residents hold a bachelor's degree, below the national average of 33.7%. 84.1% have completed high school. Local schools score 6.5/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Osgood experiences four distinct seasons with an average temperature of 51°F. Winters average 28°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.
Osgood has a population of 1,583 with a density of 1,021 people per square mile, spread across 1.5 square miles. The median age is 35.3 years, 9% younger than the national median of 38.9. The gender split is 47.6% female and 52.4% male. The city is predominantly White (86.5%). English is the primary language spoken at home by 99.4% of residents. 6.7% of the population are veterans. 14.9% of residents have a disability. 90.6% have health insurance coverage.
Population
35.3yrs
Median Age
9% below US avg
Language Spoken at Home
English Only
99.4%
27% above US avg
Spanish
0.6%
96% below US avg
The median household income in Osgood is $50,799, which is 32% below the national average of $75,149. Per capita income is $25,902 (below the $39,052 national figure). The average weekly wage is $1,046, 27% lower than the U.S. average. The unemployment rate is 3.6% (below the 3.6% US average). 7.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 800 business establishments, including 46 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 28 minutes. 2.9% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $50,799 |
| 32% below US avg |
| Per Capita Income | $25,902 |
| Avg Weekly Wage | $1,046 |
| IRS Avg AGI | $66,647 |
| Gini Index | 0.441 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.6% |
| 0% below US avg |
| Poverty Rate | 7.6% |
| 39% below US avg |
| Establishments (County) | 800 |
| County GDP | $1,408M |
Business (County)
| Restaurants | 46 |
| Healthcare | 69 |
| Retail | 102 |
| Manufacturing | 34 |
Tax & Cost of Living
| Property Tax (IRS) | $2,633 |
| 25% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 2.27% |
Commute & Transportation
| Commute Time | 27.5 min |
| Drive Alone | 78.4% |
| Public Transit | 0.0% |
| Work from Home | 2.9% |
The median home value in Osgood is $116,200, 59% below the national median of $281,900. Zillow estimates the typical home value at $246,437, higher than the Census estimate. Monthly rent averages $826 (29% 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. 49.0% of housing units are owner-occupied (below the 65.4% national rate). There are 706 total housing units in the city. The median year a home was built is 1952. The average annual property tax is $2,633 (lower than the $3,500 national average). 22.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.3x, well within the affordable range.
Home Values
| Census Median | $116,200 |
| 59% below US avg |
| Zillow ZHVI | $246,437 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $826 |
| 29% below US avg |
| Rent Burden | 22.8% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 49.0% |
| Owner-Occupied | 49.0% |
| Renter-Occupied | 51.0% |
| Housing Units | 706 |
| Median Year Built | 1952 |
Property Tax
| Avg Tax (IRS) | $2,633 |
| 25% below US avg |
| Effective Rate | 2.27% |
In Osgood, 36.2% of adults are obese, above the national rate of 32.1%. 10.1% have diabetes. Heart disease affects 5.7% of residents. 33.3% have high blood pressure. 18.0% are current smokers (above the 14.0% national rate). 18.8% report binge drinking. 24.1% are physically inactive. 26.3% report depression (above the 20.0% national average). 19.5% experience frequent mental distress. 8.2% of residents lack health insurance. The primary care physician ratio is 1:29,081. The dentist ratio is 1:9,696. 31.8% of residents have access to exercise opportunities. The food environment index is 8.5 out of 10.
Health Metrics: Osgood vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.2% |
| 13% above US avg |
| Diabetes | 10.1% |
| Heart Disease | 5.7% |
| High Blood Pressure | 33.3% |
| Asthma | 11.3% |
| COPD | 7.4% |
| Cancer | 7.4% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 18.0% |
| 29% above US avg |
| Binge Drinking | 18.8% |
| Physical Inactivity | 24.1% |
| Depression | 26.3% |
| Mental Distress | 19.5% |
| Physical Distress | 13.3% |
| Short Sleep | 36.9% |
Healthcare Access
| Insurance Rate | 90.6% |
| Uninsured | 8.2% |
| 5% below US avg |
| Primary Care | 1:29,081 |
| Dentists | 1:9,696 |
| Mental Health | 1:1,218 |
| Checkup Rate | 77.3% |
| Dental Visits | 63.2% |
| Premature Death | 9,690/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 31.8% |
| Healthcare Facilities | 69 |
Osgood has a violent crime rate of 263 per 100,000 residents, 31% below the national average of 380. Property crime stands at 644 per 100,000, 67% below the U.S. average. The county recorded 8 fatal traffic crashes. Overall, Osgood receives a safety grade of F.
Crime Rates: Osgood vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 262.7/100K |
| 31% below US avg |
| |
Property Crime
| Total Property | 644.1/100K |
| 67% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 8 |
| Traffic Accidents | 20 |
| Avg Accident Severity | 2.8 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Osgood experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 28°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 985 feet.
Temperature
28°F Jan (-2°C)
72°F Jul (22°C)
| Annual Average | 51.3°F |
| 5% below US avg |
| January Average | 28°F (-2°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 297 days/yr |
Geography
| Elevation | 985 ft (300 m) |
| Area | 1.5 sq mi (3.9 km²) |
| Population Density | 1,021/sq mi |
| Coordinates | 39.1286°N, 85.2926°W |
| Timezone | America/Indiana/Indianapolis |
| County | Ripley County County |
| Nearest Airport | Cincinnati/Northern Kentucky International (CVG)
34 miles away |
Precipitation & Snow
Wettest Month (May)
4.88"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 46.8 / 100 |
| Social Vulnerability | 45.7 / 100 |
| Community Resilience | 56.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| 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: M2.5 on Jan 28, 2024.
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
144 km |
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
62 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
126 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
144 km |
| Aug 20, 2015 |
6 km SE of Lawrenceburg, Kentucky |
M2.8 |
132 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
133 km |
| Mar 9, 1990 |
8 km ENE of New Amsterdam, Indiana |
M2.7 |
135 km |
| Mar 21, 1990 |
1 km W of Spring Mill, Kentucky |
M2.7 |
114 km |
| Jan 29, 1990 |
11 km S of Paoli, Indiana |
M2.6 |
126 km |
| Jul 23, 2013 |
6 km NNE of Germantown, Kentucky |
M2.6 |
125 km |
| Jan 28, 2024 |
3 km SW of Old Washington, Kentucky |
M2.5 |
139 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
509 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 60 fatalities, 1,910 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
40 km |
3 |
| Mar 2, 2012 |
EF4 |
68 km |
4 |
| Apr 9, 1999 |
EF4 |
80 km |
4 |
| Jun 11, 1998 |
EF4 |
92 km |
0 |
| Nov 22, 1992 |
EF4 |
62 km |
1 |
| Jun 2, 1990 |
EF4 |
91 km |
0 |
| Jun 2, 1990 |
EF4 |
34 km |
0 |
| Jul 9, 1980 |
EF4 |
57 km |
2 |
| Apr 3, 1974 |
EF4 |
40 km |
0 |
| Apr 3, 1974 |
EF4 |
76 km |
11 |
| Apr 3, 1974 |
EF4 |
70 km |
2 |
| Apr 3, 1974 |
EF4 |
76 km |
0 |
| Apr 3, 1974 |
EF4 |
37 km |
4 |
| May 14, 1972 |
EF4 |
98 km |
0 |
| Apr 23, 1968 |
EF4 |
95 km |
6 |
| Apr 23, 1968 |
EF4 |
88 km |
1 |
| Apr 25, 1961 |
EF4 |
67 km |
0 |
| Mar 31, 2023 |
EF3 |
83 km |
0 |
| Mar 2, 2012 |
EF3 |
12 km |
3 |
| Mar 2, 2012 |
EF3 |
88 km |
3 |
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 |
30 km |
| 2005 |
RX BURNPLAN AREA 2-06 |
5,054 |
30 km |
| 2007 |
UNITS 8-9 2008 |
4,316 |
32 km |
| 2006 |
UNIT 19 06 WUI |
3,412 |
33 km |
| 2003 |
WUI 3 03 |
3,372 |
22 km |
| 2010 |
WUI UNIT 28K |
3,230 |
19 km |
| 1999 |
UNNAMED |
3,122 |
22 km |
| 2002 |
UNIT 8 |
2,753 |
32 km |
| 2005 |
UNIT 3 05 |
2,511 |
22 km |
| 2001 |
01 UNIT 16 |
2,361 |
30 km |
| 2011 |
WUI UNITS 0 AND 1 2011 |
2,215 |
32 km |
| 2004 |
UNIT 19 |
2,004 |
33 km |
| 2003 |
UNIT 8 03 |
1,971 |
30 km |
| 2008 |
FY 09 UNIT 42 RX FALL 2008 |
1,942 |
27 km |
| 2000 |
JPG 14 |
1,908 |
31 km |
| 2003 |
UNIT 16 03 |
1,809 |
31 km |
| 2021 |
UNNAMED |
1,547 |
84 km |
| 2002 |
UNIT 9 |
1,485 |
32 km |
| 1995 |
UNNAMED |
1,462 |
27 km |
| 2010 |
TRACER |
1,408 |
19 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
28°F (-2°C) |
2.8 in |
Coldest |
| February |
32°F (-0°C) |
2.8 in |
Driest |
| March |
42°F (6°C) |
4.0 in |
|
| April |
52°F (11°C) |
4.3 in |
|
| May |
62°F (17°C) |
4.9 in |
Wettest |
| June |
70°F (21°C) |
4.2 in |
|
| July |
72°F (22°C) |
4.2 in |
|
| August |
72°F (22°C) |
4.0 in |
Warmest |
| September |
66°F (19°C) |
3.0 in |
|
| October |
55°F (13°C) |
3.1 in |
|
| November |
44°F (6°C) |
3.7 in |
|
| December |
34°F (1°C) |
3.5 in |
|
Osgood has a seasonal temperature swing of 44°F / from 28°F in January to 72°F in August. Total annual precipitation is 44.4 inches, with May being the wettest month (4.9") and February the driest (2.8").
Average costs for common services in Osgood. 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 Osgood
What is the population of Osgood?
Osgood has a population of 1,583 residents and is located in Indiana. The population density is 1,021 people per square mile, spread across 1.5 square miles. The median age of residents is 35.3 years, which is younger than the national median of 38.9 years. The population is 47.6% female and 52.4% male.
Is Osgood expensive to live in?
Osgood 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 $50,799, 32% below the national average of $75,149. The median home value is $116,200 (59% below the U.S. median). Renters pay a median of $826 per month, below the national average of $1,163. The home price-to-income ratio is 2.3x, indicating housing is reasonably affordable relative to local income levels.
Is Osgood safe?
Osgood 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 644 per 100,000 (below the national average). Overall, Osgood receives a safety grade of F based on combined crime data.
What is the weather like in Osgood?
Osgood has a four-season climate with an average annual temperature of 51°F (11°C). Winter temperatures average 28°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 Osgood?
Osgood has a healthy job market with an unemployment rate of 3.6%, near the national average of 3.6%. The average weekly wage is $1,046. There are 800 business establishments in the area, including 46 restaurants and food service locations. The average commute time is 28 minutes, and 2.9% of workers work from home.
How much does housing cost in Osgood?
The median home value in Osgood is $116,200. Zillow estimates the typical home value at $246,437. For renters, the median monthly rent is $826. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 49.0%. The average annual property tax is $2,633.
How are the schools in Osgood?
Schools in Osgood score 6.5 out of 10 on standardized testing, near the national average. 11.8% of adults in Osgood hold a bachelor's degree or higher, below the national average of 33.7%. 84.1% have completed high school. 1.7% hold a graduate or professional degree.
How healthy is Osgood?
The obesity rate in Osgood is 36.2% (above the national rate of 32.1%). 18.0% of adults are smokers. 24.1% are physically inactive. 26.3% of residents report depression. 8.2% lack health insurance. 31.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:29,081.
What is transportation like in Osgood?
The average commute in Osgood is 28 minutes. 78.4% of workers drive alone to work, and 2.9% work from home.
What are the demographics of Osgood?
The racial and ethnic makeup of Osgood is 86.5% White, 0.7% Hispanic or Latino. 99.4% of residents speak only English at home. 6.7% of the population are military veterans. 14.9% of residents have a disability. 90.6% have health insurance coverage.
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