Median Income
$95,893
28% higher than US avg
Home Value
$72,100
74% lower than US avg
Violent Crime
140/100K
63% lower than US avg
Bachelor's+
0.0%
100% lower than US avg
Obesity Rate
39.3%
22% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Talma Compares to the U.S. Average (100% = U.S. avg)
People
Population154
Median Age43.1 yrs
Density770/mi²
Male / Female50% / 50%
Largest GroupWhite 100%
Veterans100.0%
Economy
A+
Median Income$95,893
Per Capita$20,906
Unemployment0.0%
Poverty0.0%
County GDP$905M
Housing
A+
Home Value$72,100
Ownership79.3%
Zillow$228,656
Housing Units37
Rent Burden26.4%
Crime
F
Violent140/100K
Property2,132/100K
Health
Obesity39.3%
Smoking18.8%
Depression27.3%
Heart Disease5.9%
Climate
Avg Temp50°F (10°C)
AQI41 (Good)
Rain40.8 in/yr
Sunny Days275/yr
Elevation773 ft (236 m)
Education
B
Bachelor's+0.0%
High School+54.5%
Graduate+0.0%
School Score5.84
Community
2024 VoteR 75% / D 24%
Broadband29.0%
EV Stations3
Libraries5
Is Talma a Good Place to Live?
Based on current data, Talma receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, affordable housing. Areas to be aware of include high obesity rates. Talma offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Talma is $95,893, 28% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%.
Cost of Living & Housing
The median home value in Talma is $72,100, 74% below the national median / offering relatively affordable homeownership. At just 0.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Talma is a very safe community with a violent crime rate of 140 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 2,132 per 100,000, near the national average.
Education
0.0% of residents hold a bachelor's degree, below the national average of 33.7%. 54.5% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Talma experiences four distinct seasons with an average temperature of 50°F. Winters average 25°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.8 inches, including 30.1 inches of snow. Air quality is rated Good with a median AQI of 41.
Talma has a population of 154 with a density of 770 people per square mile, spread across 0.2 square miles. The median age is 43.1 years, 11% older than the national median of 38.9. The gender split is 50% female and 50% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 100.0% of the population are veterans, above the national rate of 6.0%. 44.2% of residents have a disability (above the 13.0% national average). 92.0% have health insurance coverage.
Population
43.1yrs
Median Age
11% 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 Talma is $95,893, which is 28% above the national average of $75,149. Per capita income is $20,906 (below the $39,052 national figure). The average weekly wage is $933, 35% lower than the U.S. average. The unemployment rate is 0.0% (below 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 476 business establishments, including 47 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 | $95,893 |
| 28% above US avg |
| Per Capita Income | $20,906 |
| Avg Weekly Wage | $933 |
| IRS Avg AGI | $63,511 |
| Gini Index | 0.440 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 476 |
| County GDP | $905M |
Business (County)
| Restaurants | 47 |
| Healthcare | 45 |
| Retail | 94 |
| Manufacturing | 35 |
Tax & Cost of Living
| Property Tax (IRS) | $2,817 |
| 20% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 3.91% |
Commute & Transportation
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Talma is $72,100, 74% below the national median of $281,900. Zillow estimates the typical home value at $228,656, higher than the Census estimate. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 79.3% of housing units are owner-occupied (above the 65.4% national rate). There are 37 total housing units in the city. The median year a home was built is 1972. The average annual property tax is $2,817 (lower than the $3,500 national average). 26.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 0.8x, well within the affordable range.
Home Values
| Census Median | $72,100 |
| 74% below US avg |
| Zillow ZHVI | $228,656 |
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 | 79.3% |
| Owner-Occupied | 79.3% |
| Renter-Occupied | 20.7% |
| Housing Units | 37 |
| Median Year Built | 1972 |
Property Tax
| Avg Tax (IRS) | $2,817 |
| 20% below US avg |
| Effective Rate | 3.91% |
In Talma, 39.3% of adults are obese, above the national rate of 32.1%. 10.9% have diabetes. Heart disease affects 5.9% of residents. 35.8% have high blood pressure. 18.8% are current smokers (above the 14.0% national rate). 18.8% report binge drinking. 26.8% are physically inactive. 27.3% report depression (above the 20.0% national average). 19.8% experience frequent mental distress. The primary care physician ratio is 1:2,039. The dentist ratio is 1:2,259. 39.4% of residents have access to exercise opportunities. The food environment index is 7.7 out of 10.
Health Metrics: Talma vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.3% |
| 22% above US avg |
| Diabetes | 10.9% |
| Heart Disease | 5.9% |
| High Blood Pressure | 35.8% |
| Asthma | 11.5% |
| COPD | 7.8% |
| Cancer | 7.4% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 18.8% |
| 34% above US avg |
| Binge Drinking | 18.8% |
| Physical Inactivity | 26.8% |
| Depression | 27.3% |
| Mental Distress | 19.8% |
| Physical Distress | 14.0% |
| Short Sleep | 35.2% |
Healthcare Access
| Insurance Rate | 92.0% |
| |
| Primary Care | 1:2,039 |
| Dentists | 1:2,259 |
| Mental Health | 1:1,131 |
| Checkup Rate | 76.1% |
| Dental Visits | 62.6% |
| Premature Death | 11,508/100K |
Food & Exercise
| Food Environment | 7.7/10 |
| Exercise Access | 39.4% |
| Healthcare Facilities | 45 |
Talma has a violent crime rate of 140 per 100,000 residents, 63% below the national average of 380. Property crime stands at 2,132 per 100,000, 9% above the U.S. average. The county recorded 3 fatal traffic crashes. Overall, Talma receives a safety grade of F.
Crime Rates: Talma vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 139.5/100K |
| 63% below US avg |
| |
Property Crime
| Total Property | 2,132.3/100K |
| 9% 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 |
Talma experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 25°F in January while summers reach 73°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 40.8 inches. The area receives 30.1 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 773 feet.
Temperature
25°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 50.2°F |
| 7% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 773 ft (236 m) |
| Area | 0.2 sq mi (0.5 km²) |
| Population Density | 770/sq mi |
| Coordinates | 41.1524°N, 86.1379°W |
| Timezone | America/Indiana/Indianapolis |
| County | Fulton County County |
| Nearest Airport | South Bend International (SBN)
40 miles away |
Precipitation & Snow
Annual Rainfall
40.8"
7% above US avg
Wettest Month (Jun)
4.06"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 20.2 / 100 |
| Social Vulnerability | 45.3 / 100 |
| Community Resilience | 74.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very 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
7 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 |
134 km |
| Jun 30, 2015 |
5 km NNE of Burlington, Michigan |
M3.3 |
143 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
143 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
72 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
133 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
117 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
136 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
534 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 125 fatalities, 2,150 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 11, 1965 |
EF4 |
48 km |
36 |
| Apr 11, 1965 |
EF4 |
41 km |
31 |
| Apr 11, 1965 |
EF4 |
93 km |
4 |
| Apr 11, 1965 |
EF4 |
86 km |
25 |
| Apr 11, 1965 |
EF4 |
64 km |
5 |
| Mar 6, 1956 |
EF4 |
81 km |
1 |
| Mar 31, 2023 |
EF3 |
88 km |
0 |
| May 27, 2019 |
EF3 |
90 km |
0 |
| May 27, 2019 |
EF3 |
19 km |
0 |
| Aug 24, 2016 |
EF3 |
77 km |
0 |
| Jun 5, 2010 |
EF3 |
57 km |
0 |
| Oct 18, 2007 |
EF3 |
17 km |
0 |
| May 30, 2004 |
EF3 |
47 km |
0 |
| Oct 24, 2001 |
EF3 |
57 km |
1 |
| Jun 11, 1998 |
EF3 |
84 km |
0 |
| Mar 27, 1991 |
EF3 |
99 km |
1 |
| Jul 7, 1977 |
EF3 |
79 km |
0 |
| Mar 12, 1976 |
EF3 |
92 km |
0 |
| Mar 12, 1976 |
EF3 |
45 km |
0 |
| Apr 3, 1974 |
EF3 |
63 km |
5 |
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 |
87 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: 17 INDU COWLES DUNES (522 ac, 2017).
| Year |
Name |
Acres |
Distance |
| 2017 |
17 INDU COWLES DUNES |
522 |
97 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
2.0 in |
Coldest |
| February |
27°F (-3°C) |
1.8 in |
Driest |
| March |
38°F (3°C) |
2.8 in |
|
| April |
49°F (9°C) |
3.8 in |
|
| May |
60°F (16°C) |
4.0 in |
|
| June |
69°F (21°C) |
4.1 in |
Wettest |
| July |
73°F (23°C) |
3.9 in |
Warmest |
| August |
71°F (21°C) |
3.6 in |
|
| September |
64°F (18°C) |
3.5 in |
|
| October |
52°F (11°C) |
2.8 in |
|
| November |
40°F (5°C) |
3.2 in |
|
| December |
29°F (-2°C) |
2.8 in |
|
Talma has a seasonal temperature swing of 48°F / from 25°F in January to 73°F in July. Total annual precipitation is 38.2 inches, with June being the wettest month (4.1") and February the driest (1.8").
Average costs for common services in Talma. 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 Talma
What is the population of Talma?
Talma has a population of 154 residents and is located in Indiana. The population density is 770 people per square mile, spread across 0.2 square miles. The median age of residents is 43.1 years, which is older than the national median of 38.9 years. The population is 50% female and 50% male.
Is Talma expensive to live in?
Talma 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 $95,893, 28% above the national average of $75,149. The median home value is $72,100 (74% below the U.S. median). The home price-to-income ratio is 0.8x, indicating housing is reasonably affordable relative to local income levels.
Is Talma safe?
Talma is considered a very safe city with a violent crime rate of 140 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 2,132 per 100,000 (above the national average). Overall, Talma receives a safety grade of F based on combined crime data.
What is the weather like in Talma?
Talma has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 25°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 40.8 inches, with 30.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Talma?
The job market in Talma is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $933. There are 476 business establishments in the area, including 47 restaurants and food service locations.
How much does housing cost in Talma?
The median home value in Talma is $72,100. Zillow estimates the typical home value at $228,656. The homeownership rate is 79.3%. The average annual property tax is $2,817.
How are the schools in Talma?
Schools in Talma score 5.8 out of 10 on standardized testing, near the national average. 0.0% of adults in Talma hold a bachelor's degree or higher, below the national average of 33.7%. 54.5% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Talma?
The obesity rate in Talma is 39.3% (above the national rate of 32.1%). 18.8% of adults are smokers. 26.8% are physically inactive. 27.3% of residents report depression. 39.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,039.
What are the demographics of Talma?
The racial and ethnic makeup of Talma is 100% White. 100% of residents speak only English at home. 100.0% of the population are military veterans. 44.2% of residents have a disability. 92.0% have health insurance coverage.
All Countries
