Median Income
$86,964
16% higher than US avg
Home Value
$157,400
44% lower than US avg
Violent Crime
17/100K
96% lower than US avg
Bachelor's+
20.0%
41% lower than US avg
Obesity Rate
41.6%
30% higher than US avg
Unemployment
8.1%
125% higher than US avg
Poverty Rate
0.0%
100% lower than US avg
How Shamrock Lakes Compares to the U.S. Average (100% = U.S. avg)
People
Population237
Median Age49.3 yrs
Density912/mi²
Male / Female40% / 60%
Largest GroupWhite 98%
Veterans7.3%
Economy
B+
Median Income$86,964
Per Capita$40,300
Unemployment8.1%
Poverty0.0%
County GDP$428M
Commute30 min
Housing
A+
Home Value$157,400
Ownership93.8%
Zillow$225,207
Housing Units107
Rent Burden33.4%
Crime
F
Violent17/100K
Property3,370/100K
Health
Obesity41.6%
Uninsured8.4%
Smoking18.6%
Depression26.7%
Heart Disease6.4%
Climate
Avg Temp51°F (11°C)
AQI41 (Good)
Rain41.7 in/yr
Sunny Days275/yr
Elevation885 ft (270 m)
Education
C+
Bachelor's+20.0%
High School+98.3%
Graduate+8.7%
School Score6.03
Community
2024 VoteR 74% / D 24%
Commute30 min
Broadband97.0%
EV Stations1
Libraries2
Is Shamrock Lakes a Good Place to Live?
Based on current data, Shamrock Lakes receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include above-average household incomes, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include above-average unemployment, high obesity rates. Shamrock Lakes offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Shamrock Lakes is $86,964, 16% above the national average of $75,149. Residents generally enjoy above-average earning potential. At 8.1%, unemployment is notably high. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Shamrock Lakes is $157,400, 44% below the national median / offering relatively affordable homeownership. At just 1.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Shamrock Lakes 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
20.0% of residents hold a bachelor's degree, below the national average of 33.7%. 98.3% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Shamrock Lakes experiences four distinct seasons with an average temperature of 51°F. Winters average 26°F in January while summers reach 74°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 41.7 inches, including 32.2 inches of snow. Air quality is rated Good with a median AQI of 41.
Shamrock Lakes has a population of 237 with a density of 912 people per square mile, spread across 0.3 square miles. The median age is 49.3 years, 27% older than the national median of 38.9. The gender split is 59.9% female and 40.1% male. The city is predominantly White (97.9%). English is the primary language spoken at home by 99.7% of residents. 7.3% of the population are veterans, above the national rate of 6.0%. 7.9% of residents have a disability (below the 13.0% national average). 98.3% have health insurance coverage.
Population
49.3yrs
Median Age
27% above US avg
Race & Ethnicity
Shamrock Lakes vs U.S. Average
Language Spoken at Home
English Only
99.7%
27% above US avg
Spanish
0.3%
98% below US avg
Social Characteristics
Shamrock Lakes vs U.S. Average
The median household income in Shamrock Lakes is $86,964, which is 16% above the national average of $75,149. Per capita income is $40,300. The average weekly wage is $897, 37% lower than the U.S. average. The unemployment rate is 8.1% (above 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 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. 5.0% of workers work from home (below the 15.2% national rate).
Income: Shamrock Lakes vs U.S.
Income
| Median HH Income | $86,964 |
| 16% above US avg |
| Per Capita Income | $40,300 |
| Avg Weekly Wage | $897 |
| IRS Avg AGI | $54,691 |
| Gini Index | 0.484 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 8.1% |
| 125% above US avg |
| Poverty Rate | 0.0% |
| 100% below 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 | 1.47% |
Commute & Transportation
| Commute Time | 29.9 min |
| Drive Alone | 92.4% |
| Public Transit | 0.0% |
| Work from Home | 5.0% |
The median home value in Shamrock Lakes is $157,400, 44% below the national median of $281,900. Zillow estimates the typical home value at $225,207, higher than the Census estimate. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 93.8% of housing units are owner-occupied (above the 65.4% national rate). There are 107 total housing units in the city. The median year a home was built is 1973. The average annual property tax is $2,313 (lower than the $3,500 national average). 33.4% 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 | $157,400 |
| 44% below US avg |
| Zillow ZHVI | $225,207 |
Real Estate Market (Redfin)
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 | 93.8% |
| Owner-Occupied | 93.8% |
| Renter-Occupied | 6.2% |
| Housing Units | 107 |
| Median Year Built | 1973 |
Property Tax
| Avg Tax (IRS) | $2,313 |
| 34% below US avg |
| Effective Rate | 1.47% |
In Shamrock Lakes, 41.6% of adults are obese, above the national rate of 32.1%. 11.3% have diabetes. Heart disease affects 6.4% of residents. 35.1% have high blood pressure. 18.6% are current smokers (above the 14.0% national rate). 18.7% report binge drinking. 24.5% are physically inactive. 26.7% report depression (above the 20.0% national average). 19.3% experience frequent mental distress. 8.4% 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: Shamrock Lakes vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.6% |
| 30% above US avg |
| Diabetes | 11.3% |
| Heart Disease | 6.4% |
| High Blood Pressure | 35.1% |
| Asthma | 11.1% |
| COPD | 8.1% |
| Cancer | 7.5% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 18.6% |
| 33% above US avg |
| Binge Drinking | 18.7% |
| Physical Inactivity | 24.5% |
| Depression | 26.7% |
| Mental Distress | 19.3% |
| Physical Distress | 13.8% |
| Short Sleep | 38.1% |
Healthcare Access
| Insurance Rate | 98.3% |
| Uninsured | 8.4% |
| 2% below US avg |
| Primary Care | 1:1,511 |
| Dentists | 1:5,960 |
| Mental Health | 1:2,379 |
| Checkup Rate | 76.2% |
| Dental Visits | 60.5% |
| Premature Death | 13,647/100K |
Food & Exercise
| Food Environment | 6.9/10 |
| Exercise Access | 42.5% |
| Healthcare Facilities | 31 |
Shamrock Lakes 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, Shamrock Lakes receives a safety grade of F.
Crime Rates: Shamrock Lakes 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 |
Shamrock Lakes experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 26°F in January while summers reach 74°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 41.7 inches. The area receives 32.2 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 885 feet.
Temperature
26°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 51.3°F |
| 5% below US avg |
| January Average | 26°F (-3°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 885 ft (270 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 912/sq mi |
| Coordinates | 40.4114°N, 85.4274°W |
| Timezone | America/Indiana/Indianapolis |
| County | Blackford County County |
| Nearest Airport | Delaware County Regional (MIE)
12 miles away |
Precipitation & Snow
Annual Rainfall
41.7"
10% above US avg
Wettest Month (Jul)
3.98"
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
10 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 |
92 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
137 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
134 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
142 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
130 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
49 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
87 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
120 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
83 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
72 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
578 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 47 fatalities, 1,519 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 10, 2002 |
EF4 |
69 km |
4 |
| Jun 11, 1998 |
EF4 |
83 km |
0 |
| Feb 18, 1992 |
EF4 |
81 km |
0 |
| Jul 9, 1980 |
EF4 |
88 km |
2 |
| Apr 3, 1974 |
EF4 |
42 km |
1 |
| Apr 3, 1974 |
EF4 |
76 km |
0 |
| May 14, 1972 |
EF4 |
90 km |
0 |
| Apr 11, 1965 |
EF4 |
16 km |
4 |
| Apr 11, 1965 |
EF4 |
81 km |
25 |
| Apr 11, 1965 |
EF4 |
89 km |
3 |
| Apr 25, 1961 |
EF4 |
98 km |
0 |
| Mar 6, 1956 |
EF4 |
21 km |
1 |
| Mar 14, 2024 |
EF3 |
36 km |
1 |
| Mar 31, 2023 |
EF3 |
16 km |
0 |
| May 27, 2019 |
EF3 |
87 km |
0 |
| May 27, 2019 |
EF3 |
19 km |
0 |
| May 27, 2019 |
EF3 |
64 km |
1 |
| May 27, 2019 |
EF3 |
95 km |
0 |
| Aug 24, 2016 |
EF3 |
92 km |
0 |
| Aug 24, 2016 |
EF3 |
65 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-3°C) |
2.0 in |
Coldest, Driest |
| February |
27°F (-3°C) |
2.0 in |
|
| March |
38°F (3°C) |
3.2 in |
|
| April |
49°F (9°C) |
3.7 in |
|
| May |
60°F (16°C) |
3.9 in |
|
| June |
69°F (21°C) |
3.9 in |
|
| July |
74°F (23°C) |
4.0 in |
Warmest, Wettest |
| August |
71°F (22°C) |
3.5 in |
|
| September |
65°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.6 in |
|
| November |
41°F (5°C) |
3.1 in |
|
| December |
30°F (-1°C) |
2.9 in |
|
Shamrock Lakes has a seasonal temperature swing of 48°F / from 26°F in January to 74°F in July. Total annual precipitation is 37.7 inches, with July being the wettest month (4.0") and January the driest (2.0").
Average costs for common services in Shamrock Lakes. 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 Shamrock Lakes
What is the population of Shamrock Lakes?
Shamrock Lakes has a population of 237 residents and is located in Indiana. The population density is 912 people per square mile, spread across 0.3 square miles. The median age of residents is 49.3 years, which is older than the national median of 38.9 years. The population is 59.9% female and 40.1% male.
Is Shamrock Lakes expensive to live in?
Shamrock Lakes 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 $86,964, 16% above the national average of $75,149. The median home value is $157,400 (44% below the U.S. median). The home price-to-income ratio is 1.8x, indicating housing is reasonably affordable relative to local income levels.
Is Shamrock Lakes safe?
Shamrock Lakes 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, Shamrock Lakes receives a safety grade of F based on combined crime data.
What is the weather like in Shamrock Lakes?
Shamrock Lakes has a four-season climate with an average annual temperature of 51°F (11°C). Winter temperatures average 26°F in January, while summers reach an average of 74°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 41.7 inches, with 32.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Shamrock Lakes?
The job market in Shamrock Lakes faces challenges, with unemployment at 8.1% / significantly above 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 5.0% of workers work from home.
How much does housing cost in Shamrock Lakes?
The median home value in Shamrock Lakes is $157,400. Zillow estimates the typical home value at $225,207. The homeownership rate is 93.8%. The average annual property tax is $2,313.
How are the schools in Shamrock Lakes?
Schools in Shamrock Lakes score 6 out of 10 on standardized testing, near the national average. 20.0% of adults in Shamrock Lakes hold a bachelor's degree or higher, below the national average of 33.7%. 98.3% have completed high school. 8.7% hold a graduate or professional degree.
How healthy is Shamrock Lakes?
The obesity rate in Shamrock Lakes is 41.6% (above the national rate of 32.1%). 18.6% of adults are smokers. 24.5% are physically inactive. 26.7% of residents report depression. 8.4% 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 Shamrock Lakes?
The average commute in Shamrock Lakes is 30 minutes. 92.4% of workers drive alone to work, and 5.0% work from home.
What are the demographics of Shamrock Lakes?
The racial and ethnic makeup of Shamrock Lakes is 97.9% White. 99.7% of residents speak only English at home. 7.3% of the population are military veterans. 7.9% of residents have a disability. 98.3% have health insurance coverage.
All Countries
