Median Income
$46,395
38% lower than US avg
Home Value
$107,600
62% lower than US avg
Violent Crime
285/100K
25% lower than US avg
Bachelor's+
20.6%
39% lower than US avg
Median Rent
$815
30% lower than US avg
Obesity Rate
40.3%
26% higher than US avg
Unemployment
4.1%
14% higher than US avg
Poverty Rate
17.9%
44% higher than US avg
How Richmond Compares to the U.S. Average (100% = U.S. avg)
People
Population35,551
Median Age38.1 yrs
Density1,465/mi²
Male / Female48% / 52%
Largest GroupWhite 80%
Veterans7.2%
Economy
B
Median Income$46,395
Per Capita$27,860
Unemployment4.1%
Poverty17.9%
County GDP$216M
Commute18 min
Housing
A+
Home Value$107,600
Rent$815
Ownership57.5%
Zillow$152,229
Housing Units17,346
Rent Burden29.8%
Crime
F
Violent285/100K
Property1,425/100K
Health
Obesity40.3%
Uninsured11.0%
Smoking22.3%
Depression28.8%
Heart Disease7.0%
Climate
Avg Temp52°F (11°C)
AQI41 (Good)
Rain42.9 in/yr
Sunny Days293/yr
Elevation978 ft (298 m)
Education
C+
Bachelor's+20.6%
High School+86.7%
Graduate+8.0%
School Score6.34
Community
2024 VoteR 77% / D 21%
Commute18 min
Broadband87.9%
EV Stations3
Libraries1
Is Richmond a Good Place to Live?
Based on current data, Richmond 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. Areas to be aware of include an elevated poverty rate, below-average incomes, high obesity rates. Richmond has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Richmond is $46,395, 38% below the national average of $75,149. Unemployment stands at 4.1%, indicating a healthy job market. The poverty rate of 17.9% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 18 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Richmond is $107,600, 62% below the national median / offering relatively affordable homeownership. Renters pay a median of $815 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 Richmond 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
20.6% of residents hold a bachelor's degree, below the national average of 33.7%. 86.7% have completed high school. Local schools score 6.3/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Richmond experiences four distinct seasons with an average temperature of 52°F. Winters average 28°F in January while summers reach 74°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 42.9 inches. Air quality is rated Good with a median AQI of 41.
Richmond has a population of 35,551 with a density of 1,465 people per square mile, spread across 24.2 square miles. The median age is 38.1 years, 2% younger than the national median of 38.9. The gender split is 52% female and 48% male. The city is predominantly White (79.9%), with 2.8% Hispanic, 6.7% Black. English is the primary language spoken at home by 94.1% of residents, while 5.9% speak Spanish. 7.2% of the population are veterans. 20.7% of residents have a disability (above the 13.0% national average). 89.3% have health insurance coverage.
Population
38.1yrs
Median Age
2% below US avg
Language Spoken at Home
English Only
94.1%
20% above US avg
Spanish
5.9%
56% below US avg
The median household income in Richmond is $46,395, which is 38% below the national average of $75,149. Per capita income is $27,860 (below the $39,052 national figure). The average weekly wage is $845, 41% lower than the U.S. average. The unemployment rate is 4.1% (above the 3.6% US average). 17.9% of residents live below the poverty line, higher 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 18 minutes (shorter than the 28-minute US average). 4.1% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $46,395 |
| 38% below US avg |
| Per Capita Income | $27,860 |
| Avg Weekly Wage | $845 |
| IRS Avg AGI | $58,495 |
| Gini Index | 0.380 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.1% |
| 14% above US avg |
| Poverty Rate | 17.9% |
| 44% above 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 | 1.65% |
Commute & Transportation
| Commute Time | 18.0 min |
| Drive Alone | 78.7% |
| Public Transit | 0.5% |
| Work from Home | 4.1% |
The median home value in Richmond is $107,600, 62% below the national median of $281,900. Zillow estimates the typical home value at $152,229, higher than the Census estimate. Homes sell for 94.9% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $815 (30% 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. 57.5% of housing units are owner-occupied (below the 65.4% national rate). There are 17,346 total housing units in the city. The median year a home was built is 1956. The average annual property tax is $1,775 (lower than the $3,500 national average). 29.8% 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 | $107,600 |
| 62% below US avg |
| Zillow ZHVI | $152,229 |
| Median List Price | $124,450 |
Real Estate Market (Redfin)
| Median List Price | $124,450 |
| $/Sq Ft | $116 |
| Homes Sold | 42 |
| Sale-to-List Ratio | 94.9% |
| Price Drops | 27.4% |
| Inventory | 84 |
Rental Costs
| Census Median Rent | $815 |
| 30% below US avg |
| Zillow Rent (ZORI) | $826 |
| Rent Burden | 29.8% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 57.5% |
| Owner-Occupied | 57.5% |
| Renter-Occupied | 42.5% |
| Housing Units | 17,346 |
| Median Year Built | 1956 |
Property Tax
| Avg Tax (IRS) | $1,775 |
| 49% below US avg |
| Effective Rate | 1.65% |
In Richmond, 40.3% of adults are obese, above the national rate of 32.1%. 13.6% have diabetes (above the 10.5% national rate). Heart disease affects 7.0% of residents, above the national average. 37.9% have high blood pressure. 22.3% are current smokers (above the 14.0% national rate). 16.8% report binge drinking. 30.3% are physically inactive, above the national average. 28.8% report depression (above the 20.0% national average). 21.8% experience frequent mental distress. 11.0% of residents lack health insurance (above 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: Richmond vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.3% |
| 26% above US avg |
| Diabetes | 13.6% |
| Heart Disease | 7.0% |
| High Blood Pressure | 37.9% |
| Asthma | 12.4% |
| COPD | 10.0% |
| Cancer | 7.2% |
| Stroke | 3.8% |
Behaviors & Mental Health
| Smoking | 22.3% |
| 59% above US avg |
| Binge Drinking | 16.8% |
| Physical Inactivity | 30.3% |
| Depression | 28.8% |
| Mental Distress | 21.8% |
| Physical Distress | 16.1% |
| Short Sleep | 41.6% |
Healthcare Access
| Insurance Rate | 89.3% |
| Uninsured | 11.0% |
| 28% above US avg |
| Primary Care | 1:7,047 |
| Mental Health | 1:6,973 |
| Checkup Rate | 78.0% |
| Dental Visits | 54.1% |
| Premature Death | 9,986/100K |
Food & Exercise
| Exercise Access | 62.1% |
| Healthcare Facilities | 8 |
Richmond 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 2 fatal traffic crashes. Overall, Richmond receives a safety grade of F.
Crime Rates: Richmond 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) | 2 |
| Traffic Accidents | 904 |
| Avg Accident Severity | 2.1 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Richmond experiences four distinct seasons with an average annual temperature of 52°F (11°C). Winters average 28°F in January while summers reach 74°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 42.9 inches. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 978 feet.
Temperature
28°F Jan (-2°C)
74°F Jul (23°C)
| Annual Average | 52.3°F |
| 3% below US avg |
| January Average | 28°F (-2°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 978 ft (298 m) |
| Area | 24.2 sq mi (62.6 km²) |
| Population Density | 1,465/sq mi |
| Coordinates | 39.8321°N, 84.8909°W |
| Timezone | America/Indiana/Indianapolis |
| County | Union County County |
| Nearest Airport | Middletown Regional/Hook Field (MWO) 33 miles away |
Precipitation & Snow
Annual Rainfall
42.9"
13% above US avg
Wettest Month (May)
4.65"
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: M2.6 on Jun 12, 2015.
| 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 |
145 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
70 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
76 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
122 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
150 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
125 km |
| Jul 23, 2013 |
6 km NNE of Germantown, Kentucky |
M2.6 |
149 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
95 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
557 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 75 fatalities, 2,758 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
96 km |
3 |
| Apr 3, 1974 |
EF5 |
75 km |
36 |
| May 27, 2019 |
EF4 |
37 km |
0 |
| Sep 20, 2000 |
EF4 |
81 km |
1 |
| Apr 9, 1999 |
EF4 |
81 km |
4 |
| Jun 11, 1998 |
EF4 |
91 km |
0 |
| Jun 2, 1990 |
EF4 |
68 km |
0 |
| Jul 9, 1980 |
EF4 |
56 km |
2 |
| Apr 3, 1974 |
EF4 |
66 km |
0 |
| Apr 3, 1974 |
EF4 |
81 km |
2 |
| Apr 3, 1974 |
EF4 |
40 km |
1 |
| Apr 23, 1968 |
EF4 |
97 km |
1 |
| Apr 11, 1965 |
EF4 |
72 km |
3 |
| Apr 11, 1965 |
EF4 |
90 km |
4 |
| Apr 25, 1961 |
EF4 |
83 km |
0 |
| Mar 14, 2024 |
EF3 |
98 km |
3 |
| Mar 14, 2024 |
EF3 |
43 km |
1 |
| Mar 31, 2023 |
EF3 |
94 km |
0 |
| May 27, 2019 |
EF3 |
67 km |
0 |
| May 27, 2019 |
EF3 |
40 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
28°F (-2°C) |
2.4 in |
Coldest, Driest |
| February |
29°F (-2°C) |
2.4 in |
|
| March |
40°F (4°C) |
3.6 in |
|
| April |
50°F (10°C) |
3.9 in |
|
| May |
61°F (16°C) |
4.7 in |
Wettest |
| June |
69°F (21°C) |
3.9 in |
|
| July |
74°F (23°C) |
4.2 in |
Warmest |
| August |
71°F (22°C) |
3.6 in |
|
| September |
65°F (18°C) |
2.7 in |
|
| October |
53°F (12°C) |
3.0 in |
|
| November |
42°F (5°C) |
3.4 in |
|
| December |
31°F (-0°C) |
3.2 in |
|
Richmond has a seasonal temperature swing of 46°F / from 28°F in January to 74°F in July. Total annual precipitation is 40.9 inches, with May being the wettest month (4.7") and January the driest (2.4").
Average costs for common services in Richmond. 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 Richmond
What is the population of Richmond?
Richmond has a population of 35,551 residents and is located in Indiana. The population density is 1,465 people per square mile, spread across 24.2 square miles. The median age of residents is 38.1 years. The population is 52% female and 48% male.
Is Richmond expensive to live in?
Richmond 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 $46,395, 38% below the national average of $75,149. The median home value is $107,600 (62% below the U.S. median). Renters pay a median of $815 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 Richmond safe?
Richmond 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, Richmond receives a safety grade of F based on combined crime data.
What is the weather like in Richmond?
Richmond has a four-season climate with an average annual temperature of 52°F (11°C). Winter temperatures average 28°F in January, while summers reach an average of 74°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 42.9 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Richmond?
Richmond has a healthy job market with an unemployment rate of 4.1%, near the national average 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 18 minutes, and 4.1% of workers work from home.
How much does housing cost in Richmond?
The median home value in Richmond is $107,600. Zillow estimates the typical home value at $152,229. For renters, the median monthly rent is $815. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 57.5%. The average annual property tax is $1,775.
How are the schools in Richmond?
Schools in Richmond score 6.3 out of 10 on standardized testing, near the national average. 20.6% of adults in Richmond hold a bachelor's degree or higher, below the national average of 33.7%. 86.7% have completed high school. 8.0% hold a graduate or professional degree.
How healthy is Richmond?
The obesity rate in Richmond is 40.3% (above the national rate of 32.1%). 22.3% of adults are smokers. 30.3% are physically inactive. 28.8% of residents report depression. 11.0% lack health insurance (above 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 Richmond?
The average commute in Richmond is 18 minutes, shorter than the national average of 28 minutes. 78.7% of workers drive alone to work, and 4.1% work from home.
What are the demographics of Richmond?
The racial and ethnic makeup of Richmond is 79.9% White, 6.7% Black or African American, 2.8% Hispanic or Latino. 94.1% of residents speak only English at home, while 5.9% speak Spanish. 7.2% of the population are military veterans. 20.7% of residents have a disability. 89.3% have health insurance coverage.