Median Income
$43,788
42% lower than US avg
Home Value
$83,100
71% lower than US avg
Violent Crime
336/100K
12% lower than US avg
Bachelor's+
8.0%
76% lower than US avg
Obesity Rate
38.6%
20% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
4.8%
61% lower than US avg
How St. Bernice Compares to the U.S. Average (100% = U.S. avg)
People
Population585
Median Age43.3 yrs
Density457/mi²
Male / Female59% / 41%
Largest GroupWhite 97%
Veterans11.8%
Economy
B+
Median Income$43,788
Per Capita$20,636
Unemployment0.0%
Poverty4.8%
County GDP$1,134M
Housing
A+
Home Value$83,100
Ownership91.3%
Zillow$127,803
Housing Units290
Rent Burden28.2%
Crime
F
Violent336/100K
Property2,122/100K
Health
Obesity38.6%
Uninsured7.9%
Smoking17.3%
Depression27.2%
Heart Disease5.8%
Climate
Avg Temp51°F (11°C)
AQI41 (Good)
Rain42.7 in/yr
Sunny Days293/yr
Elevation570 ft (174 m)
Education
D
Bachelor's+8.0%
High School+78.9%
Graduate+0.0%
School Score5.48
Community
2024 VoteR 71% / D 27%
Broadband100.0%
EV Stations16
Libraries2
Is St. Bernice a Good Place to Live?
Based on current data, St. Bernice receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include below-average incomes, high obesity rates. St. Bernice has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in St. Bernice is $43,788, 42% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 4.8% of residents live below the poverty line, well below the national rate of 12.4%.
Cost of Living & Housing
The median home value in St. Bernice is $83,100, 71% below the national median / offering relatively affordable homeownership. At just 1.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in St. Bernice is below the national average at 336 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,122 per 100,000, near the national average.
Education
8.0% of residents hold a bachelor's degree, below the national average of 33.7%. 78.9% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
St. Bernice experiences four distinct seasons with an average temperature of 51°F. Winters average 25°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 42.7 inches, including 19.1 inches of snow. Air quality is rated Good with a median AQI of 41.
St. Bernice has a population of 585 with a density of 457 people per square mile, spread across 1.3 square miles. The median age is 43.3 years, 11% older than the national median of 38.9. The gender split is 41.4% female and 58.6% male. The city is predominantly White (97.1%), with 2.9% Hispanic. English is the primary language spoken at home by 98.6% of residents. 11.8% of the population are veterans, above the national rate of 6.0%. 30.4% of residents have a disability (above the 13.0% national average). 94.3% have health insurance coverage.
Population
43.3yrs
Median Age
11% above US avg
Race & Ethnicity
St. Bernice vs U.S. Average
Language Spoken at Home
English Only
98.6%
26% above US avg
Spanish
1.4%
90% below US avg
Social Characteristics
St. Bernice vs U.S. Average
The median household income in St. Bernice is $43,788, which is 42% below the national average of $75,149. Per capita income is $20,636 (below the $39,052 national figure). The average weekly wage is $1,124, 22% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 4.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 294 business establishments, including 28 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: St. Bernice vs U.S.
Income
| Median HH Income | $43,788 |
| 42% below US avg |
| Per Capita Income | $20,636 |
| Avg Weekly Wage | $1,124 |
| IRS Avg AGI | $59,038 |
| Gini Index | 0.412 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 4.8% |
| 61% below US avg |
| Establishments (County) | 294 |
| County GDP | $1,134M |
Business (County)
| Restaurants | 28 |
| Healthcare | 24 |
| Retail | 47 |
| Manufacturing | 13 |
Tax & Cost of Living
| Property Tax (IRS) | $2,750 |
| 21% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 3.31% |
Commute & Transportation
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in St. Bernice is $83,100, 71% below the national median of $281,900. Zillow estimates the typical home value at $127,803, higher than the Census estimate. Homes sell for 104.2% of their list price, indicating a competitive market where bidding wars are common. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 91.3% of housing units are owner-occupied (above the 65.4% national rate). There are 290 total housing units in the city. The median year a home was built is 1958. The average annual property tax is $2,750 (lower than the $3,500 national average). 28.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.9x, well within the affordable range.
Home Values
| Census Median | $83,100 |
| 71% below US avg |
| Zillow ZHVI | $127,803 |
| Median List Price | $162,450 |
Real Estate Market (Redfin)
| Median List Price | $162,450 |
| $/Sq Ft | $81 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 104.2% |
| Price Drops | 0.0% |
| Inventory | 2 |
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 | 91.3% |
| Owner-Occupied | 91.3% |
| Renter-Occupied | 8.7% |
| Housing Units | 290 |
| Median Year Built | 1958 |
Property Tax
| Avg Tax (IRS) | $2,750 |
| 21% below US avg |
| Effective Rate | 3.31% |
In St. Bernice, 38.6% of adults are obese, above the national rate of 32.1%. 10.4% have diabetes. Heart disease affects 5.8% of residents. 33.6% have high blood pressure. 17.3% are current smokers (above the 14.0% national rate). 18.3% report binge drinking. 23.8% are physically inactive. 27.2% report depression (above the 20.0% national average). 19.4% experience frequent mental distress. 7.9% of residents lack health insurance. The primary care physician ratio is 1:1,705. The dentist ratio is 1:2,207. 55.6% of residents have access to exercise opportunities. The food environment index is 7.8 out of 10.
Health Metrics: St. Bernice vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.6% |
| 20% above US avg |
| Diabetes | 10.4% |
| Heart Disease | 5.8% |
| High Blood Pressure | 33.6% |
| Asthma | 11.4% |
| COPD | 7.5% |
| Cancer | 7.5% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 17.3% |
| 24% above US avg |
| Binge Drinking | 18.3% |
| Physical Inactivity | 23.8% |
| Depression | 27.2% |
| Mental Distress | 19.4% |
| Physical Distress | 13.4% |
| Short Sleep | 37.8% |
Healthcare Access
| Insurance Rate | 94.3% |
| Uninsured | 7.9% |
| 8% below US avg |
| Primary Care | 1:1,705 |
| Dentists | 1:2,207 |
| Mental Health | 1:734 |
| Checkup Rate | 77.9% |
| Dental Visits | 62.2% |
| Premature Death | 10,157/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 55.6% |
| Healthcare Facilities | 24 |
St. Bernice has a violent crime rate of 336 per 100,000 residents, 12% below the national average of 380. Property crime stands at 2,122 per 100,000, 8% above the U.S. average. The county recorded 3 fatal traffic crashes. Overall, St. Bernice receives a safety grade of F.
Crime Rates: St. Bernice vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 336.2/100K |
| 12% below US avg |
| |
Property Crime
| Total Property | 2,122.3/100K |
| 8% 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 |
St. Bernice experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 25°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 42.7 inches. The area receives 19.1 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 570 feet.
Temperature
25°F Jan (-4°C)
74°F Jul (23°C)
| Annual Average | 51.4°F |
| 5% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 570 ft (174 m) |
| Area | 1.3 sq mi (3.3 km²) |
| Population Density | 457/sq mi |
| Coordinates | 39.7096°N, 87.5199°W |
| Timezone | America/Indiana/Indianapolis |
| County | Vermillion County County |
| Nearest Airport | Terre Haute Regional (HUF) 21 miles away |
Precipitation & Snow
Annual Rainfall
42.7"
12% above US avg
Wettest Month (Jul)
4.49"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 23.4 / 100 |
| Social Vulnerability | 49.7 / 100 |
| Community Resilience | 74.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
34 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M3.3 on May 13, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
143 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
142 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
144 km |
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
24 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
91 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
147 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
143 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
77 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
143 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
66 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
142 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
143 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
79 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
150 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
57 km |
| Jul 18, 2008 |
6 km NNE of Bellmont, Illinois |
M3.1 |
145 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
101 km |
| Dec 16, 1996 |
3 km NNE of Terre Haute, Indiana |
M3.1 |
26 km |
| Sep 9, 2017 |
4 km N of Bellmont, Illinois |
M3.1 |
147 km |
| Jun 24, 2008 |
8 km NNE of Bellmont, Illinois |
M2.9 |
143 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
562 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 61 fatalities, 974 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 26, 1994 |
EF4 |
98 km |
3 |
| Mar 20, 1976 |
EF4 |
95 km |
0 |
| Apr 3, 1974 |
EF4 |
94 km |
18 |
| Apr 11, 1965 |
EF4 |
91 km |
0 |
| Apr 11, 1965 |
EF4 |
65 km |
28 |
| Mar 31, 2023 |
EF3 |
82 km |
2 |
| Nov 17, 2013 |
EF3 |
80 km |
0 |
| Nov 17, 2013 |
EF3 |
71 km |
0 |
| Nov 17, 2013 |
EF3 |
92 km |
0 |
| Sep 20, 2002 |
EF3 |
94 km |
0 |
| Apr 19, 1996 |
EF3 |
59 km |
1 |
| Apr 19, 1996 |
EF3 |
74 km |
0 |
| Nov 22, 1992 |
EF3 |
92 km |
0 |
| Nov 22, 1992 |
EF3 |
91 km |
0 |
| Nov 22, 1992 |
EF3 |
53 km |
0 |
| Mar 10, 1986 |
EF3 |
94 km |
0 |
| Jun 2, 1980 |
EF3 |
56 km |
1 |
| Jun 25, 1978 |
EF3 |
93 km |
0 |
| Aug 10, 1974 |
EF3 |
59 km |
0 |
| Aug 10, 1974 |
EF3 |
97 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
2.1 in |
Coldest, Driest |
| February |
30°F (-1°C) |
2.1 in |
|
| March |
41°F (5°C) |
3.3 in |
|
| April |
52°F (11°C) |
4.0 in |
|
| May |
63°F (17°C) |
4.3 in |
|
| June |
72°F (22°C) |
4.1 in |
|
| July |
74°F (23°C) |
4.5 in |
Warmest, Wettest |
| August |
73°F (23°C) |
4.1 in |
|
| September |
67°F (19°C) |
3.2 in |
|
| October |
55°F (13°C) |
2.8 in |
|
| November |
42°F (6°C) |
3.6 in |
|
| December |
31°F (-0°C) |
3.0 in |
|
St. Bernice has a seasonal temperature swing of 49°F / from 25°F in January to 74°F in July. Total annual precipitation is 41.2 inches, with July being the wettest month (4.5") and January the driest (2.1").
Average costs for common services in St. Bernice. 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 St. Bernice
What is the population of St. Bernice?
St. Bernice has a population of 585 residents and is located in Indiana. The population density is 457 people per square mile, spread across 1.3 square miles. The median age of residents is 43.3 years, which is older than the national median of 38.9 years. The population is 41.4% female and 58.6% male.
Is St. Bernice expensive to live in?
St. Bernice 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 $43,788, 42% below the national average of $75,149. The median home value is $83,100 (71% below the U.S. median). The home price-to-income ratio is 1.9x, indicating housing is reasonably affordable relative to local income levels.
Is St. Bernice safe?
St. Bernice is safer than the national average, with a violent crime rate of 336 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,122 per 100,000 (above the national average). Overall, St. Bernice receives a safety grade of F based on combined crime data.
What is the weather like in St. Bernice?
St. Bernice has a four-season climate with an average annual temperature of 51°F (11°C). Winter temperatures average 25°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 42.7 inches, with 19.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in St. Bernice?
The job market in St. Bernice is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,124. There are 294 business establishments in the area, including 28 restaurants and food service locations.
How much does housing cost in St. Bernice?
The median home value in St. Bernice is $83,100. Zillow estimates the typical home value at $127,803. The homeownership rate is 91.3%. The average annual property tax is $2,750.
How are the schools in St. Bernice?
Schools in St. Bernice score 5.5 out of 10 on standardized testing, near the national average. 8.0% of adults in St. Bernice hold a bachelor's degree or higher, below the national average of 33.7%. 78.9% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is St. Bernice?
The obesity rate in St. Bernice is 38.6% (above the national rate of 32.1%). 17.3% of adults are smokers. 23.8% are physically inactive. 27.2% of residents report depression. 7.9% lack health insurance. 55.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,705.
What are the demographics of St. Bernice?
The racial and ethnic makeup of St. Bernice is 97.1% White, 2.9% Hispanic or Latino. 98.6% of residents speak only English at home. 11.8% of the population are military veterans. 30.4% of residents have a disability. 94.3% have health insurance coverage.