Median Income
$105,272
40% higher than US avg
Violent Crime
299/100K
21% lower than US avg
Bachelor's+
18.3%
46% lower than US avg
Median Rent
$603
48% lower than US avg
Obesity Rate
40.1%
25% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
6.8%
45% lower than US avg
How Somerset Compares to the U.S. Average (100% = U.S. avg)
People
Population241
Median Age56.9 yrs
Density354/mi²
Male / Female40% / 60%
Largest GroupWhite 88%
Veterans7.3%
Economy
A+
Median Income$105,272
Per Capita$45,687
Unemployment0.0%
Poverty6.8%
County GDP$1,715M
Housing
A+
Rent$603
Ownership77.5%
Zillow$175,869
Housing Units170
Rent Burden51.0%
Crime
F
Violent299/100K
Property4,251/100K
Health
Obesity40.1%
Uninsured9.3%
Smoking20.1%
Depression27.0%
Heart Disease6.9%
Climate
Avg Temp52°F (11°C)
AQI41 (Good)
Rain40.3 in/yr
Sunny Days275/yr
Elevation791 ft (241 m)
Education
C
Bachelor's+18.3%
High School+85.4%
Graduate+0.0%
School Score5.89
Community
2024 VoteR 75% / D 24%
Broadband90.7%
EV Stations5
Libraries3
Is Somerset a Good Place to Live?
Based on current data, Somerset receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include above-average household incomes, low unemployment, low crime rates, abundant sunshine. Areas to be aware of include high obesity rates. Somerset offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Somerset is $105,272, which is significantly higher than the national average / 40% above $75,149. This places Somerset among higher-income communities. The job market is very strong with unemployment at just 0.0%. Only 6.8% of residents live below the poverty line, well below the national rate of 12.4%.
Cost of Living & Housing
Renters pay a median of $603 per month, below the national average / a plus for affordability.
Safety & Crime
Violent crime in Somerset is below the national average at 299 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 4,251 per 100,000, 117% above the national average.
Education
18.3% of residents hold a bachelor's degree, below the national average of 33.7%. 85.4% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Somerset experiences four distinct seasons with an average temperature of 52°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 40.3 inches, including 19.5 inches of snow. Air quality is rated Good with a median AQI of 41.
Somerset has a population of 241 with a density of 354 people per square mile, spread across 0.8 square miles. The median age is 56.9 years, 46% older than the national median of 38.9. The gender split is 60.2% female and 39.8% male. The city is predominantly White (88%), with 4.1% Hispanic. English is the primary language spoken at home by 100% of residents. 7.3% of the population are veterans, above the national rate of 6.0%. 33.0% of residents have a disability (above the 13.0% national average). 100.0% have health insurance coverage.
Population
56.9yrs
Median Age
46% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Somerset is $105,272, which is 40% above the national average of $75,149. Per capita income is $45,687 (above the $39,052 national figure). The average weekly wage is $967, 32% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 6.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 778 business establishments, including 65 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $105,272 |
| 40% above US avg |
| Per Capita Income | $45,687 |
| Avg Weekly Wage | $967 |
| IRS Avg AGI | $69,050 |
| Gini Index | 0.405 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 6.8% |
| 45% below US avg |
| Establishments (County) | 778 |
| County GDP | $1,715M |
Business (County)
| Restaurants | 65 |
| Healthcare | 84 |
| Retail | 113 |
| Manufacturing | 56 |
Tax & Cost of Living
| Property Tax (IRS) | $2,750 |
| 21% below US avg |
| Cost of Living | 93.30 (100=avg) |
Commute & Transportation
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
Zillow estimates the typical home value at $175,869. Monthly rent averages $603 (48% 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. 77.5% of housing units are owner-occupied (above the 65.4% national rate). There are 170 total housing units in the city. The median year a home was built is 1995. The average annual property tax is $2,750 (lower than the $3,500 national average). 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters.
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $603 |
| 48% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 77.5% |
| Owner-Occupied | 77.5% |
| Renter-Occupied | 22.5% |
| Housing Units | 170 |
| Median Year Built | 1995 |
Property Tax
| Avg Tax (IRS) | $2,750 |
| 21% below US avg |
In Somerset, 40.1% of adults are obese, above the national rate of 32.1%. 11.9% have diabetes. Heart disease affects 6.9% of residents, above the national average. 35.5% have high blood pressure. 20.1% are current smokers (above the 14.0% national rate). 17.8% report binge drinking. 27.3% are physically inactive. 27.0% report depression (above the 20.0% national average). 20.4% experience frequent mental distress. 9.3% of residents lack health insurance. The primary care physician ratio is 1:2,370. The dentist ratio is 1:2,803. 65.9% of residents have access to exercise opportunities. The food environment index is 7.8 out of 10.
Health Metrics: Somerset vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.1% |
| 25% above US avg |
| Diabetes | 11.9% |
| Heart Disease | 6.9% |
| High Blood Pressure | 35.5% |
| Asthma | 11.7% |
| COPD | 9.1% |
| Cancer | 7.5% |
| Stroke | 3.4% |
Behaviors & Mental Health
| Smoking | 20.1% |
| 44% above US avg |
| Binge Drinking | 17.8% |
| Physical Inactivity | 27.3% |
| Depression | 27.0% |
| Mental Distress | 20.4% |
| Physical Distress | 14.7% |
| Short Sleep | 34.8% |
Healthcare Access
| Insurance Rate | 100.0% |
| Uninsured | 9.3% |
| 8% above US avg |
| Primary Care | 1:2,370 |
| Dentists | 1:2,803 |
| Mental Health | 1:353 |
| Checkup Rate | 77.1% |
| Dental Visits | 57.5% |
| Premature Death | 10,985/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 65.9% |
| Healthcare Facilities | 84 |
Somerset has a violent crime rate of 299 per 100,000 residents, 21% below the national average of 380. Property crime stands at 4,251 per 100,000, 117% above the U.S. average. The county recorded 3 fatal traffic crashes. Overall, Somerset receives a safety grade of F.
Crime Rates: Somerset vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 298.6/100K |
| 21% below US avg |
| |
Property Crime
| Total Property | 4,251.1/100K |
| 117% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Somerset experiences four distinct seasons with an average annual temperature of 52°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 40.3 inches. The area receives 19.5 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 791 feet.
Temperature
26°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 51.5°F |
| 5% below US avg |
| January Average | 26°F (-3°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 791 ft (241 m) |
| Area | 0.8 sq mi (2.1 km²) |
| Population Density | 354/sq mi |
| Coordinates | 40.6703°N, 85.8312°W |
| Timezone | America/Indiana/Indianapolis |
| County | Wabash County County |
| Nearest Airport | Delaware County Regional (MIE)
37 miles away |
Precipitation & Snow
Annual Rainfall
40.3"
6% above US avg
Wettest Month (Jul)
4.17"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 41.0 / 100 |
| Social Vulnerability | 47.4 / 100 |
| Community Resilience | 93.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively 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 |
119 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
138 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
128 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
123 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
105 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
86 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
125 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
148 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
95 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
100 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
589 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 90 fatalities, 1,890 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 10, 2002 |
EF4 |
90 km |
4 |
| Jun 11, 1998 |
EF4 |
100 km |
0 |
| Apr 26, 1994 |
EF4 |
97 km |
3 |
| Apr 3, 1974 |
EF4 |
84 km |
1 |
| Apr 11, 1965 |
EF4 |
97 km |
31 |
| Apr 11, 1965 |
EF4 |
55 km |
25 |
| Apr 11, 1965 |
EF4 |
93 km |
0 |
| Apr 11, 1965 |
EF4 |
40 km |
4 |
| Mar 6, 1956 |
EF4 |
25 km |
1 |
| Mar 14, 2024 |
EF3 |
81 km |
1 |
| Mar 31, 2023 |
EF3 |
29 km |
0 |
| May 27, 2019 |
EF3 |
39 km |
0 |
| May 27, 2019 |
EF3 |
43 km |
0 |
| May 27, 2019 |
EF3 |
97 km |
1 |
| Aug 24, 2016 |
EF3 |
38 km |
0 |
| Aug 24, 2016 |
EF3 |
93 km |
0 |
| Nov 17, 2013 |
EF3 |
92 km |
0 |
| Jun 5, 2010 |
EF3 |
30 km |
0 |
| Oct 18, 2007 |
EF3 |
76 km |
0 |
| May 30, 2004 |
EF3 |
26 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 |
144 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-3°C) |
2.1 in |
Coldest |
| February |
27°F (-3°C) |
1.9 in |
Driest |
| March |
38°F (3°C) |
2.9 in |
|
| April |
49°F (9°C) |
3.7 in |
|
| May |
60°F (16°C) |
4.1 in |
|
| June |
69°F (21°C) |
3.9 in |
|
| July |
74°F (23°C) |
4.2 in |
Warmest, Wettest |
| August |
71°F (22°C) |
3.7 in |
|
| September |
64°F (18°C) |
3.1 in |
|
| October |
53°F (11°C) |
2.6 in |
|
| November |
41°F (5°C) |
3.1 in |
|
| December |
29°F (-1°C) |
3.0 in |
|
Somerset has a seasonal temperature swing of 48°F / from 26°F in January to 74°F in July. Total annual precipitation is 38.2 inches, with July being the wettest month (4.2") and February the driest (1.9").
Average costs for common services in Somerset. 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 Somerset
What is the population of Somerset?
Somerset has a population of 241 residents and is located in Indiana. The population density is 354 people per square mile, spread across 0.8 square miles. The median age of residents is 56.9 years, which is older than the national median of 38.9 years. The population is 60.2% female and 39.8% male.
Is Somerset expensive to live in?
Somerset 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 $105,272, 40% above the national average of $75,149. Renters pay a median of $603 per month, below the national average of $1,163.
Is Somerset safe?
Somerset is safer than the national average, with a violent crime rate of 299 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 4,251 per 100,000 (above the national average). Overall, Somerset receives a safety grade of F based on combined crime data.
What is the weather like in Somerset?
Somerset has a four-season climate with an average annual temperature of 52°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 40.3 inches, with 19.5 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Somerset?
The job market in Somerset is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $967. There are 778 business establishments in the area, including 65 restaurants and food service locations.
How much does housing cost in Somerset?
For renters, the median monthly rent is $603. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 77.5%. The average annual property tax is $2,750.
How are the schools in Somerset?
Schools in Somerset score 5.9 out of 10 on standardized testing, near the national average. 18.3% of adults in Somerset hold a bachelor's degree or higher, below the national average of 33.7%. 85.4% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Somerset?
The obesity rate in Somerset is 40.1% (above the national rate of 32.1%). 20.1% of adults are smokers. 27.3% are physically inactive. 27.0% of residents report depression. 9.3% lack health insurance. 65.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,370.
What are the demographics of Somerset?
The racial and ethnic makeup of Somerset is 88% White, 4.1% Hispanic or Latino. 100% of residents speak only English at home. 7.3% of the population are military veterans. 33.0% of residents have a disability. 100.0% have health insurance coverage.
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