Median Income
$61,818
18% lower than US avg
Home Value
$181,300
36% lower than US avg
Violent Crime
551/100K
45% higher than US avg
Bachelor's+
31.5%
7% lower than US avg
Obesity Rate
44.2%
38% higher than US avg
Unemployment
2.3%
36% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Underwood Compares to the U.S. Average (100% = U.S. avg)
People
Population1,140
Median Age26.9 yrs
Density444/mi²
Male / Female49% / 52%
Largest GroupWhite 98%
Veterans6.6%
Economy
A
Median Income$61,818
Per Capita$21,559
Unemployment2.3%
Poverty0.0%
County GDP$949M
Commute38 min
Housing
A+
Home Value$181,300
Ownership89.7%
Zillow$248,440
Housing Units290
Rent Burden28.9%
Crime
F
Violent551/100K
Property3,839/100K
Health
Obesity44.2%
Smoking19.0%
Depression28.8%
Heart Disease6.2%
Climate
Avg Temp55°F (13°C)
AQI41 (Good)
Sunny Days297/yr
Elevation583 ft (178 m)
Education
B+
Bachelor's+31.5%
High School+93.7%
Graduate+3.1%
School Score5.61
Community
2024 VoteR 75% / D 23%
Commute38 min
Broadband77.5%
EV Stations5
Libraries3
Is Underwood a Good Place to Live?
Based on current data, Underwood receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include elevated crime rates, long commute times, high obesity rates. Underwood offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Underwood is $61,818, 18% below the national average of $75,149. The job market is very strong with unemployment at just 2.3%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 38 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Underwood is $181,300, 36% below the national median / offering relatively affordable homeownership. At just 2.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 551 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 3,839 per 100,000, 96% above the national average.
Education
31.5% of residents hold a bachelor's degree, below the national average of 33.7%. 93.7% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Underwood experiences four distinct seasons with an average temperature of 55°F. Winters average 32°F in January while summers reach 77°F in July. With 297 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 41.
Underwood has a population of 1,140 with a density of 444 people per square mile, spread across 2.6 square miles. The median age is 26.9 years, 31% younger than the national median of 38.9. The gender split is 51.5% female and 48.5% male. The city is predominantly White (97.8%). English is the primary language spoken at home by 100% of residents. 6.6% of the population are veterans. 17.5% of residents have a disability (above the 13.0% national average). 98.7% have health insurance coverage.
Population
26.9yrs
Median Age
31% below US avg
Race & Ethnicity
Underwood vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
Underwood vs U.S. Average
The median household income in Underwood is $61,818, which is 18% below the national average of $75,149. Per capita income is $21,559 (below the $39,052 national figure). The average weekly wage is $891, 38% lower than the U.S. average. The unemployment rate is 2.3% (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 429 business establishments, including 38 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 38 minutes (longer than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income: Underwood vs U.S.
Income
| Median HH Income | $61,818 |
| 18% below US avg |
| Per Capita Income | $21,559 |
| Avg Weekly Wage | $891 |
| IRS Avg AGI | $54,229 |
| Gini Index | 0.419 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.3% |
| 36% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 429 |
| County GDP | $949M |
Business (County)
| Restaurants | 38 |
| Healthcare | 59 |
| Retail | 81 |
| Manufacturing | 20 |
Tax & Cost of Living
| Property Tax (IRS) | $2,586 |
| 26% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 1.43% |
Commute & Transportation
| Commute Time | 37.5 min |
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Underwood is $181,300, 36% below the national median of $281,900. Zillow estimates the typical home value at $248,440, higher than the Census estimate. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 89.7% 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 1976. The average annual property tax is $2,586 (lower than the $3,500 national average). 28.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.9x, well within the affordable range.
Home Values
| Census Median | $181,300 |
| 36% below US avg |
| Zillow ZHVI | $248,440 |
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 | 89.7% |
| Owner-Occupied | 89.7% |
| Renter-Occupied | 10.3% |
| Housing Units | 290 |
| Median Year Built | 1976 |
Property Tax
| Avg Tax (IRS) | $2,586 |
| 26% below US avg |
| Effective Rate | 1.43% |
In Underwood, 44.2% of adults are obese, above the national rate of 32.1%. 11.0% have diabetes. Heart disease affects 6.2% of residents. 36.7% have high blood pressure. 19.0% are current smokers (above the 14.0% national rate). 18.2% report binge drinking. 25.4% are physically inactive. 28.8% report depression (above the 20.0% national average). 19.6% experience frequent mental distress. The primary care physician ratio is 1:2,706. The dentist ratio is 1:3,513. 58.7% of residents have access to exercise opportunities. The food environment index is 6.6 out of 10.
Health Metrics: Underwood vs U.S. Average (%)
Chronic Conditions
| Obesity | 44.2% |
| 38% above US avg |
| Diabetes | 11.0% |
| Heart Disease | 6.2% |
| High Blood Pressure | 36.7% |
| Asthma | 11.9% |
| COPD | 8.5% |
| Cancer | 7.5% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 19.0% |
| 36% above US avg |
| Binge Drinking | 18.2% |
| Physical Inactivity | 25.4% |
| Depression | 28.8% |
| Mental Distress | 19.6% |
| Physical Distress | 14.3% |
| Short Sleep | 37.1% |
Healthcare Access
| Insurance Rate | 98.7% |
| |
| Primary Care | 1:2,706 |
| Dentists | 1:3,513 |
| Mental Health | 1:1,072 |
| Checkup Rate | 77.9% |
| Dental Visits | 58.0% |
| Premature Death | 15,831/100K |
Food & Exercise
| Food Environment | 6.6/10 |
| Exercise Access | 58.7% |
| Healthcare Facilities | 59 |
Underwood has a violent crime rate of 551 per 100,000 residents, 45% above the national average of 380. Property crime stands at 3,839 per 100,000, 96% above the U.S. average. The county recorded 9 fatal traffic crashes. Overall, Underwood receives a safety grade of F.
Crime Rates: Underwood vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 550.6/100K |
| 45% above US avg |
| |
Property Crime
| Total Property | 3,839.3/100K |
| 96% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 9 |
| Traffic Accidents | 22 |
| Avg Accident Severity | 2.1 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Underwood experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 32°F in January while summers reach 77°F in July. The area gets 297 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 583 feet.
Temperature
32°F Jan (-0°C)
77°F Jul (25°C)
| Annual Average | 54.9°F |
| 2% above US avg |
| January Average | 32°F (-0°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 297 days/yr |
Geography
| Elevation | 583 ft (178 m) |
| Area | 2.6 sq mi (6.7 km²) |
| Population Density | 444/sq mi |
| Coordinates | 38.5891°N, 85.7661°W |
| Timezone | America/Indiana/Indianapolis |
| County | Scott County County |
| Nearest Airport | Louisville Muhammad Ali International (SDF)
29 miles away |
Precipitation & Snow
Wettest Month (May)
4.72"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 22.3 / 100 |
| Social Vulnerability | 23.4 / 100 |
| Community Resilience | 39.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively 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
14 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.8 on May 11, 2025.
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
81 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
73 km |
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
113 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
134 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
149 km |
| Aug 20, 2015 |
6 km SE of Lawrenceburg, Kentucky |
M2.8 |
104 km |
| May 11, 2025 |
11 km SE of High Bridge, Kentucky |
M2.8 |
137 km |
| May 10, 2012 |
1 km NNW of Emison, Indiana |
M2.7 |
150 km |
| Mar 9, 1990 |
8 km ENE of New Amsterdam, Indiana |
M2.7 |
62 km |
| Mar 21, 1990 |
1 km W of Spring Mill, Kentucky |
M2.7 |
51 km |
| Jan 12, 2023 |
4 km E of Burgin, Kentucky |
M2.6 |
131 km |
| Aug 26, 2000 |
6 km N of Boonville, Indiana |
M2.6 |
142 km |
| Jan 29, 1990 |
11 km S of Paoli, Indiana |
M2.6 |
62 km |
| Jan 21, 2018 |
8 km SSE of High Bridge, Kentucky |
M2.6 |
134 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
496 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 56 fatalities, 1,419 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
88 km |
3 |
| Mar 2, 2012 |
EF4 |
41 km |
11 |
| May 28, 1996 |
EF4 |
49 km |
0 |
| Nov 22, 1992 |
EF4 |
61 km |
1 |
| Jun 2, 1990 |
EF4 |
53 km |
0 |
| Jun 2, 1990 |
EF4 |
70 km |
1 |
| Apr 3, 1974 |
EF4 |
85 km |
4 |
| Apr 3, 1974 |
EF4 |
5 km |
11 |
| Apr 3, 1974 |
EF4 |
60 km |
4 |
| Apr 3, 1974 |
EF4 |
97 km |
3 |
| Apr 3, 1974 |
EF4 |
43 km |
3 |
| Apr 3, 1974 |
EF4 |
48 km |
0 |
| Mar 2, 2012 |
EF3 |
62 km |
3 |
| May 25, 2011 |
EF3 |
60 km |
0 |
| Feb 28, 2011 |
EF3 |
59 km |
0 |
| Mar 8, 2009 |
EF3 |
78 km |
0 |
| Jun 3, 2008 |
EF3 |
97 km |
1 |
| Oct 18, 2007 |
EF3 |
23 km |
0 |
| Nov 15, 2005 |
EF3 |
81 km |
0 |
| May 30, 2004 |
EF3 |
76 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: JPG 09 1 (6,113 ac, 1998).
| Year |
Name |
Acres |
Distance |
| 1998 |
JPG 09 1 |
6,113 |
44 km |
| 2005 |
RX BURNPLAN AREA 2-06 |
5,054 |
44 km |
| 2007 |
UNITS 8-9 2008 |
4,316 |
42 km |
| 2006 |
UNIT 19 06 WUI |
3,412 |
42 km |
| 2003 |
WUI 3 03 |
3,372 |
51 km |
| 2010 |
WUI UNIT 28K |
3,230 |
54 km |
| 1999 |
UNNAMED |
3,122 |
51 km |
| 2002 |
UNIT 8 |
2,753 |
42 km |
| 2005 |
UNIT 3 05 |
2,511 |
51 km |
| 2001 |
01 UNIT 16 |
2,361 |
45 km |
| 2011 |
WUI UNITS 0 AND 1 2011 |
2,215 |
42 km |
| 2004 |
UNIT 19 |
2,004 |
41 km |
| 2003 |
UNIT 8 03 |
1,971 |
43 km |
| 2008 |
FY 09 UNIT 42 RX FALL 2008 |
1,942 |
46 km |
| 2000 |
JPG 14 |
1,908 |
43 km |
| 2003 |
UNIT 16 03 |
1,809 |
45 km |
| 2021 |
UNNAMED |
1,547 |
73 km |
| 2002 |
UNIT 9 |
1,485 |
43 km |
| 1995 |
UNNAMED |
1,462 |
46 km |
| 2010 |
TRACER |
1,408 |
54 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
32°F (-0°C) |
3.1 in |
Coldest |
| February |
34°F (1°C) |
2.9 in |
Driest |
| March |
44°F (7°C) |
4.2 in |
|
| April |
54°F (12°C) |
4.5 in |
|
| May |
63°F (17°C) |
4.7 in |
Wettest |
| June |
72°F (22°C) |
4.0 in |
|
| July |
77°F (25°C) |
4.4 in |
Warmest |
| August |
74°F (23°C) |
4.1 in |
|
| September |
67°F (20°C) |
3.0 in |
|
| October |
56°F (13°C) |
3.0 in |
|
| November |
45°F (7°C) |
3.8 in |
|
| December |
35°F (2°C) |
3.7 in |
|
Underwood has a seasonal temperature swing of 45°F / from 32°F in January to 77°F in July. Total annual precipitation is 45.3 inches, with May being the wettest month (4.7") and February the driest (2.9").
Average costs for common services in Underwood. 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 Underwood
What is the population of Underwood?
Underwood has a population of 1,140 residents and is located in Indiana. The population density is 444 people per square mile, spread across 2.6 square miles. The median age of residents is 26.9 years, which is younger than the national median of 38.9 years. The population is 51.5% female and 48.5% male.
Is Underwood expensive to live in?
Underwood 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 $61,818, 18% below the national average of $75,149. The median home value is $181,300 (36% below the U.S. median). The home price-to-income ratio is 2.9x, indicating housing is reasonably affordable relative to local income levels.
Is Underwood safe?
The violent crime rate in Underwood is 551 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 3,839 per 100,000 (above the national average). Overall, Underwood receives a safety grade of F based on combined crime data.
What is the weather like in Underwood?
Underwood has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 32°F in January, while summers reach an average of 77°F in July. The area receives 297 sunny days per year, well above the national average of 205. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Underwood?
The job market in Underwood is very strong, with unemployment at just 2.3% / well below the national rate of 3.6%. The average weekly wage is $891. There are 429 business establishments in the area, including 38 restaurants and food service locations. The average commute time is 38 minutes, and 0.0% of workers work from home.
How much does housing cost in Underwood?
The median home value in Underwood is $181,300. Zillow estimates the typical home value at $248,440. The homeownership rate is 89.7%. The average annual property tax is $2,586.
How are the schools in Underwood?
Schools in Underwood score 5.6 out of 10 on standardized testing, near the national average. 31.5% of adults in Underwood hold a bachelor's degree or higher, below the national average of 33.7%. 93.7% have completed high school. 3.1% hold a graduate or professional degree.
How healthy is Underwood?
The obesity rate in Underwood is 44.2% (above the national rate of 32.1%). 19.0% of adults are smokers. 25.4% are physically inactive. 28.8% of residents report depression. 58.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,706.
What is transportation like in Underwood?
The average commute in Underwood is 38 minutes, longer than the national average of 28 minutes. 100% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Underwood?
The racial and ethnic makeup of Underwood is 97.8% White. 100% of residents speak only English at home. 6.6% of the population are military veterans. 17.5% of residents have a disability. 98.7% have health insurance coverage.
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