Median Income
$74,233
1% lower than US avg
Home Value
$230,600
18% lower than US avg
Bachelor's+
24.3%
28% lower than US avg
Median Rent
$1,101
5% lower than US avg
Obesity Rate
43.3%
35% higher than US avg
Unemployment
2.6%
28% lower than US avg
Poverty Rate
7.0%
44% lower than US avg
How Simonton Lake Compares to the U.S. Average (100% = U.S. avg)
People
Population4,113
Median Age49.5 yrs
Density1,220/mi²
Male / Female49% / 52%
Largest GroupWhite 76%
Veterans10.0%
Economy
A
Median Income$74,233
Per Capita$41,254
Unemployment2.6%
Poverty7.0%
County GDP$20,586M
Commute21 min
Housing
A+
Home Value$230,600
Rent$1,101
Ownership79.2%
Zillow$219,024
Housing Units2,004
Rent Burden42.6%
Health
Obesity43.3%
Uninsured2.6%
Smoking17.5%
Depression26.6%
Heart Disease6.2%
Climate
Avg Temp49°F (10°C)
AQI45 (Good)
Rain40.2 in/yr
Elevation781 ft (238 m)
Education
C+
Bachelor's+24.3%
High School+89.8%
Graduate+5.6%
School Score5.54
Community
2024 VoteR 66% / D 33%
Commute21 min
Broadband92.6%
EV Stations10
Libraries11
Is Simonton Lake a Good Place to Live?
Based on current data, Simonton Lake receives an overall livability score of 4.1 out of 5.0, earning a grade of A. Key strengths include low unemployment, affordable housing, a low poverty rate, high health insurance coverage. Areas to be aware of include high obesity rates. Simonton Lake stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Simonton Lake is $74,233, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 2.6%. Only 7.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Simonton Lake is $230,600, 18% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,101 per month. A price-to-income ratio of 3.1x indicates a reasonably affordable housing market.
Education
24.3% of residents hold a bachelor's degree, below the national average of 33.7%. 89.8% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Simonton Lake experiences four distinct seasons with an average temperature of 49°F. Winters average 24°F in January while summers reach 72°F in July. Annual precipitation totals 40.2 inches, including 36.9 inches of snow. Air quality is rated Good with a median AQI of 45.
Simonton Lake has a population of 4,113 with a density of 1,220 people per square mile, spread across 3.4 square miles. The median age is 49.5 years, 27% older than the national median of 38.9. The gender split is 51.5% female and 48.5% male. The city is predominantly White (75.9%), with 10.3% Hispanic, 5.3% Black, 2.8% Asian. English is the primary language spoken at home by 90.7% of residents, while 10% speak Spanish. 10.0% of the population are veterans, above the national rate of 6.0%. 14.2% of residents have a disability. 97.4% have health insurance coverage.
Population
4,113
Total Population
2023 Census
49.5yrs
Median Age
27% above US avg
Race & Ethnicity
Simonton Lake vs U.S. Average
Language Spoken at Home
English Only
90.7%
16% above US avg
Spanish
10.0%
25% below US avg
Social Characteristics
Simonton Lake vs U.S. Average
The median household income in Simonton Lake is $74,233, which is 1% below the national average of $75,149. Per capita income is $41,254. The average weekly wage is $1,195, 17% lower than the U.S. average. The unemployment rate is 2.6% (below the 3.6% US average). 7.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 5,293 business establishments, including 426 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 7.4% of workers work from home (below the 15.2% national rate).
Income: Simonton Lake vs U.S.
Income
| Median HH Income | $74,233 |
| 1% below US avg |
| Per Capita Income | $41,254 |
| Avg Weekly Wage | $1,195 |
| IRS Avg AGI | $75,434 |
| Gini Index | 0.442 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.6% |
| 28% below US avg |
| Poverty Rate | 7.0% |
| 44% below US avg |
| Establishments (County) | 5,293 |
| County GDP | $20,586M |
Business (County)
| Restaurants | 426 |
| Healthcare | 404 |
| Retail | 716 |
| Manufacturing | 835 |
Tax & Cost of Living
| Property Tax (IRS) | $4,493 |
| 28% above US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 1.95% |
Commute & Transportation
| Commute Time | 20.9 min |
| Drive Alone | 80.8% |
| Public Transit | 0.0% |
| Work from Home | 7.4% |
The median home value in Simonton Lake is $230,600, 18% below the national median of $281,900. Zillow estimates the typical home value at $219,024. According to Redfin, the median sale price is $292,000 with homes selling in an average of 65 days. Homes sell for 98.6% of their list price. Monthly rent averages $1,101 (5% 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. 79.2% of housing units are owner-occupied (above the 65.4% national rate). There are 2,004 total housing units in the city. The median year a home was built is 1985. The average annual property tax is $4,493 (higher than the $3,500 national average). 42.6% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 3.1x.
Home Values
| Census Median | $230,600 |
| 18% below US avg |
| Zillow ZHVI | $219,024 |
| Redfin Median Sale | $292,000 |
| Median List Price | $320,000 |
Real Estate Market (Redfin)
| Median Sale Price | $292,000 |
| Median List Price | $320,000 |
| $/Sq Ft | $118 |
| Homes Sold | 5 |
| Days on Market | 65 days |
| Sale-to-List Ratio | 98.6% |
| Price Drops | 0.0% |
| Inventory | 12 |
Rental Costs
| Census Median Rent | $1,101 |
| 5% below US avg |
| Rent Burden | 42.6% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 79.2% |
| Owner-Occupied | 79.2% |
| Renter-Occupied | 20.8% |
| Housing Units | 2,004 |
| Median Year Built | 1985 |
Property Tax
| Avg Tax (IRS) | $4,493 |
| 28% above US avg |
| Effective Rate | 1.95% |
In Simonton Lake, 43.3% of adults are obese, above the national rate of 32.1%. 11.7% have diabetes. Heart disease affects 6.2% of residents. 35.7% have high blood pressure. 17.5% are current smokers (above the 14.0% national rate). 17.4% report binge drinking. 24.4% are physically inactive. 26.6% report depression (above the 20.0% national average). 20.0% experience frequent mental distress. 2.6% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:2,049. The dentist ratio is 1:2,434. 73.2% of residents have access to exercise opportunities. The food environment index is 7.7 out of 10.
Health Metrics: Simonton Lake vs U.S. Average (%)
Chronic Conditions
| Obesity | 43.3% |
| 35% above US avg |
| Diabetes | 11.7% |
| Heart Disease | 6.2% |
| High Blood Pressure | 35.7% |
| Asthma | 11.7% |
| COPD | 8.0% |
| Cancer | 7.0% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 17.5% |
| 25% above US avg |
| Binge Drinking | 17.4% |
| Physical Inactivity | 24.4% |
| Depression | 26.6% |
| Mental Distress | 20.0% |
| Physical Distress | 14.3% |
| Short Sleep | 36.2% |
Healthcare Access
| Insurance Rate | 97.4% |
| Uninsured | 2.6% |
| 70% below US avg |
| Primary Care | 1:2,049 |
| Dentists | 1:2,434 |
| Mental Health | 1:558 |
| Checkup Rate | 78.4% |
| Dental Visits | 58.9% |
| Premature Death | 8,847/100K |
Food & Exercise
| Food Environment | 7.7/10 |
| Exercise Access | 73.2% |
| Healthcare Facilities | 404 |
Simonton Lake experiences four distinct seasons with an average annual temperature of 49°F (10°C). Winters average 24°F in January while summers reach 72°F in July. Annual precipitation totals 40.2 inches. The area receives 36.9 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 45. 62% of days have good air quality. The city sits at an elevation of 781 feet.
Temperature
24°F Jan (-4°C)
72°F Jul (22°C)
| Annual Average | 49.3°F |
| 9% below US avg |
| January Average | 24°F (-4°C) |
| July Average | 72°F (22°C) |
Geography
| Elevation | 781 ft (238 m) |
| Area | 3.4 sq mi (8.7 km²) |
| Population Density | 1,220/sq mi |
| Coordinates | 41.7542°N, 85.9705°W |
| Timezone | America/Indiana/Indianapolis |
| County | Elkhart County County |
| Nearest Airport | South Bend International (SBN)
18 miles away |
Precipitation & Snow
Annual Rainfall
40.2"
6% above US avg
Wettest Month (Jun)
4.31"
Air Quality
| AQI Median | 45.0 |
| Rating | Good |
| Good Days % | 62.0% |
| Unhealthy Days | 1 |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0446 ppm |
| PM2.5 (Fine Particles) | 9.5 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 83.8 / 100 |
| Social Vulnerability | 45.3 / 100 |
| Community Resilience | 61.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
4 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M3.3 on Jun 30, 2015.
| May 2, 2015 |
5 km S of Galesburg, Michigan |
M4.2 |
70 km |
| Jun 30, 2015 |
5 km NNE of Burlington, Michigan |
M3.3 |
88 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
45 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
134 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
417 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 141 fatalities, 1,774 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 2, 1977 |
EF4 |
68 km |
0 |
| Apr 11, 1965 |
EF4 |
27 km |
31 |
| Apr 11, 1965 |
EF4 |
81 km |
21 |
| Apr 11, 1965 |
EF4 |
27 km |
5 |
| Apr 11, 1965 |
EF4 |
67 km |
23 |
| Apr 11, 1965 |
EF4 |
27 km |
36 |
| May 27, 2019 |
EF3 |
87 km |
0 |
| Oct 18, 2007 |
EF3 |
53 km |
0 |
| Oct 24, 2001 |
EF3 |
41 km |
1 |
| Mar 27, 1991 |
EF3 |
79 km |
1 |
| May 15, 1986 |
EF3 |
85 km |
0 |
| May 13, 1980 |
EF3 |
56 km |
0 |
| May 13, 1980 |
EF3 |
64 km |
5 |
| Mar 12, 1976 |
EF3 |
83 km |
0 |
| Mar 12, 1976 |
EF3 |
77 km |
0 |
| Apr 3, 1974 |
EF3 |
56 km |
5 |
| Nov 26, 1965 |
EF3 |
44 km |
0 |
| Apr 11, 1965 |
EF3 |
68 km |
10 |
| Apr 11, 1965 |
EF3 |
75 km |
0 |
| Apr 30, 1962 |
EF3 |
47 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Tsunami History
1 tsunami recorded within 500 km.
Highest wave on record: 3.0 m (10 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1954 |
MICHIGAN CITY, IN (LAKE MICHIGAN) |
Avalanche |
3.0 m |
7 |
76 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
2 wildfires (100+ acres) within 100 km.
Largest: ALLEGAN6 (1,077 ac, 1988).
| Year |
Name |
Acres |
Distance |
| 1988 |
ALLEGAN6 |
1,077 |
92 km |
| 2017 |
17 INDU COWLES DUNES |
522 |
95 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
24°F (-4°C) |
2.8 in |
Coldest |
| February |
27°F (-3°C) |
2.3 in |
Driest |
| March |
37°F (3°C) |
2.4 in |
|
| April |
48°F (9°C) |
3.8 in |
|
| May |
59°F (15°C) |
4.2 in |
|
| June |
69°F (20°C) |
4.3 in |
Wettest |
| July |
72°F (22°C) |
3.7 in |
Warmest |
| August |
71°F (22°C) |
4.0 in |
|
| September |
64°F (18°C) |
3.5 in |
|
| October |
52°F (11°C) |
3.5 in |
|
| November |
40°F (4°C) |
2.9 in |
|
| December |
30°F (-1°C) |
2.7 in |
|
Simonton Lake has a seasonal temperature swing of 48°F / from 24°F in January to 72°F in July. Total annual precipitation is 40.2 inches, with June being the wettest month (4.3") and February the driest (2.3").
Average costs for common services in Simonton Lake. 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 Simonton Lake
What is the population of Simonton Lake?
Simonton Lake has a population of 4,113 residents and is located in Indiana. The population density is 1,220 people per square mile, spread across 3.4 square miles. The median age of residents is 49.5 years, which is older than the national median of 38.9 years. The population is 51.5% female and 48.5% male.
Is Simonton Lake expensive to live in?
Simonton Lake 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 $74,233, 1% below the national average of $75,149. The median home value is $230,600 (18% below the U.S. median). Renters pay a median of $1,101 per month. The home price-to-income ratio is 3.1x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Simonton Lake?
Simonton Lake has a four-season climate with an average annual temperature of 49°F (10°C). Winter temperatures average 24°F in January, while summers reach an average of 72°F in July. Annual rainfall totals 40.2 inches, with 36.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 45.
How is the job market in Simonton Lake?
The job market in Simonton Lake is very strong, with unemployment at just 2.6% / well below the national rate of 3.6%. The average weekly wage is $1,195. There are 5,293 business establishments in the area, including 426 restaurants and food service locations. The average commute time is 21 minutes, and 7.4% of workers work from home.
How much does housing cost in Simonton Lake?
The median home value in Simonton Lake is $230,600. Zillow estimates the typical home value at $219,024. According to Redfin, the median sale price is $292,000, with homes typically selling within 65 days. For renters, the median monthly rent is $1,101. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 79.2%. The average annual property tax is $4,493.
How are the schools in Simonton Lake?
Schools in Simonton Lake score 5.5 out of 10 on standardized testing, near the national average. 24.3% of adults in Simonton Lake hold a bachelor's degree or higher, below the national average of 33.7%. 89.8% have completed high school. 5.6% hold a graduate or professional degree.
How healthy is Simonton Lake?
The obesity rate in Simonton Lake is 43.3% (above the national rate of 32.1%). 17.5% of adults are smokers. 24.4% are physically inactive. 26.6% of residents report depression. 2.6% lack health insurance (below the national rate). 73.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,049.
What is transportation like in Simonton Lake?
The average commute in Simonton Lake is 21 minutes, shorter than the national average of 28 minutes. 80.8% of workers drive alone to work, and 7.4% work from home.
What are the demographics of Simonton Lake?
The racial and ethnic makeup of Simonton Lake is 75.9% White, 5.3% Black or African American, 10.3% Hispanic or Latino, 2.8% Asian. 90.7% of residents speak only English at home, while 10% speak Spanish. 10.0% of the population are military veterans. 14.2% of residents have a disability. 97.4% have health insurance coverage.