Median Income
$38,462
49% lower than US avg
Home Value
$97,600
65% lower than US avg
Bachelor's+
0.0%
100% lower than US avg
Obesity Rate
36.0%
12% higher than US avg
Poverty Rate
0.0%
100% lower than US avg
How Urbana Compares to the U.S. Average (100% = U.S. avg)
People
Population110
Median Age67.3 yrs
Density500/mi²
Male / Female61% / 39%
Largest GroupWhite 100%
Veterans45.5%
Economy
B
Median Income$38,462
Per Capita$26,310
Poverty0.0%
County GDP$1,715M
Housing
A+
Home Value$97,600
Ownership100.0%
Zillow$265,393
Housing Units63
Rent Burden26.4%
Health
Obesity36.0%
Uninsured0.0%
Smoking15.0%
Depression24.9%
Heart Disease5.4%
Climate
Avg Temp50°F (10°C)
AQI36 (Good)
Rain41.1 in/yr
Elevation795 ft (242 m)
Education
A+
Bachelor's+0.0%
High School+100.0%
Graduate+0.0%
School Score5.89
Community
2024 VoteR 75% / D 24%
Broadband34.3%
EV Stations5
Libraries3
Is Urbana a Good Place to Live?
Based on current data, Urbana receives an overall livability score of 4.4 out of 5.0, earning a grade of A. Key strengths include affordable housing, a low poverty rate, high health insurance coverage. Areas to be aware of include below-average incomes. Urbana stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Urbana is $38,462, 49% below the national average of $75,149. 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 Urbana is $97,600, 65% below the national median / offering relatively affordable homeownership. At just 2.5x median income, home prices are very affordable relative to local earnings.
Education
0.0% of residents hold a bachelor's degree, below the national average of 33.7%. 100.0% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Urbana experiences four distinct seasons with an average temperature of 50°F. Winters average 25°F in January while summers reach 73°F in July. Annual precipitation totals 41.1 inches, including 30.3 inches of snow. Air quality is rated Good with a median AQI of 36.
Urbana has a population of 110 with a density of 500 people per square mile, spread across 0.2 square miles. The median age is 67.3 years, 73% older than the national median of 38.9. The gender split is 39.1% female and 60.9% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 45.5% of the population are veterans, above the national rate of 6.0%. 31.8% of residents have a disability (above the 13.0% national average). 100.0% have health insurance coverage.
Population
110
Total Population
2023 Census
67.3yrs
Median Age
73% 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 Urbana is $38,462, which is 49% below the national average of $75,149. Per capita income is $26,310 (below the $39,052 national figure). The average weekly wage is $967, 32% lower than the U.S. average. 0.0% 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 | $38,462 |
| 49% below US avg |
| Per Capita Income | $26,310 |
| Avg Weekly Wage | $967 |
| IRS Avg AGI | $69,050 |
| Gini Index | 0.405 (0=equal, 1=unequal) |
Employment & Poverty
| |
| Poverty Rate | 0.0% |
| 100% 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) |
| Effective Tax Rate | 2.82% |
Commute & Transportation
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Urbana is $97,600, 65% below the national median of $281,900. Zillow estimates the typical home value at $265,393, higher than the Census estimate. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 100.0% of housing units are owner-occupied (above the 65.4% national rate). There are 63 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $2,750 (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 2.5x, well within the affordable range.
Home Values
| Census Median | $97,600 |
| 65% below US avg |
| Zillow ZHVI | $265,393 |
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 | 100.0% |
| Owner-Occupied | 100.0% |
| Renter-Occupied | 0.0% |
| Housing Units | 63 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $2,750 |
| 21% below US avg |
| Effective Rate | 2.82% |
In Urbana, 36.0% of adults are obese, above the national rate of 32.1%. 9.7% have diabetes. Heart disease affects 5.4% of residents. 31.9% have high blood pressure. 15.0% are current smokers. 19.2% report binge drinking. 21.2% are physically inactive. 24.9% report depression (above the 20.0% national average). 17.8% experience frequent mental distress. 0.0% of residents lack health insurance (below the 8.6% national rate). 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: Urbana vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.0% |
| 12% above US avg |
| Diabetes | 9.7% |
| Heart Disease | 5.4% |
| High Blood Pressure | 31.9% |
| Asthma | 11.0% |
| COPD | 6.4% |
| Cancer | 7.6% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 15.0% |
| 7% above US avg |
| Binge Drinking | 19.2% |
| Physical Inactivity | 21.2% |
| Depression | 24.9% |
| Mental Distress | 17.8% |
| Physical Distress | 11.9% |
| Short Sleep | 33.0% |
Healthcare Access
| Insurance Rate | 100.0% |
| Uninsured | 0.0% |
| 100% below US avg |
| Primary Care | 1:2,370 |
| Dentists | 1:2,803 |
| Mental Health | 1:353 |
| Checkup Rate | 77.5% |
| Dental Visits | 64.6% |
| Premature Death | 10,985/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 65.9% |
| Healthcare Facilities | 84 |
Urbana 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. Annual precipitation totals 41.1 inches. The area receives 30.3 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 36. 89% of days have good air quality. The city sits at an elevation of 795 feet.
Temperature
25°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 49.9°F |
| 8% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 73°F (23°C) |
Geography
| Elevation | 795 ft (242 m) |
| Area | 0.2 sq mi (0.6 km²) |
| Population Density | 500/sq mi |
| Coordinates | 40.8974°N, 85.7921°W |
| Timezone | America/Indiana/Indianapolis |
| County | Wabash County County |
| Nearest Airport | Fort Wayne International (FWA)
32 miles away |
Precipitation & Snow
Annual Rainfall
41.1"
8% above US avg
Wettest Month (Jun)
4.81"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
| Good Days % | 88.8% |
| Unhealthy Days | 0 |
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
8 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 |
144 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
140 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
80 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
93 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
130 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
145 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
87 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
99 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
553 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 128 fatalities, 2,116 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 10, 2002 |
EF4 |
87 km |
4 |
| Apr 11, 1965 |
EF4 |
83 km |
36 |
| Apr 11, 1965 |
EF4 |
73 km |
31 |
| Apr 11, 1965 |
EF4 |
81 km |
5 |
| Apr 11, 1965 |
EF4 |
52 km |
4 |
| Apr 11, 1965 |
EF4 |
74 km |
25 |
| Mar 6, 1956 |
EF4 |
41 km |
1 |
| Mar 14, 2024 |
EF3 |
98 km |
1 |
| Mar 31, 2023 |
EF3 |
49 km |
0 |
| May 27, 2019 |
EF3 |
49 km |
0 |
| May 27, 2019 |
EF3 |
30 km |
0 |
| Aug 24, 2016 |
EF3 |
78 km |
0 |
| Aug 24, 2016 |
EF3 |
59 km |
0 |
| Jun 5, 2010 |
EF3 |
44 km |
0 |
| Oct 18, 2007 |
EF3 |
55 km |
0 |
| May 30, 2004 |
EF3 |
34 km |
0 |
| Nov 10, 2002 |
EF3 |
78 km |
0 |
| Oct 24, 2001 |
EF3 |
96 km |
1 |
| Jun 11, 1998 |
EF3 |
60 km |
0 |
| Mar 27, 1991 |
EF3 |
93 km |
1 |
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 |
128 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
2.6 in |
Coldest |
| February |
28°F (-2°C) |
2.0 in |
Driest |
| March |
37°F (3°C) |
3.0 in |
|
| April |
49°F (10°C) |
3.9 in |
|
| May |
60°F (16°C) |
4.5 in |
|
| June |
70°F (21°C) |
4.8 in |
Wettest |
| July |
73°F (23°C) |
4.8 in |
Warmest |
| August |
71°F (22°C) |
3.8 in |
|
| September |
64°F (18°C) |
3.4 in |
|
| October |
53°F (11°C) |
2.8 in |
|
| November |
40°F (5°C) |
3.1 in |
|
| December |
30°F (-1°C) |
2.6 in |
|
Urbana has a seasonal temperature swing of 48°F / from 25°F in January to 73°F in July. Total annual precipitation is 41.1 inches, with June being the wettest month (4.8") and February the driest (2.0").
Average costs for common services in Urbana. 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 Urbana
What is the population of Urbana?
Urbana has a population of 110 residents and is located in Indiana. The population density is 500 people per square mile, spread across 0.2 square miles. The median age of residents is 67.3 years, which is older than the national median of 38.9 years. The population is 39.1% female and 60.9% male.
Is Urbana expensive to live in?
Urbana 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 $38,462, 49% below the national average of $75,149. The median home value is $97,600 (65% below the U.S. median). The home price-to-income ratio is 2.5x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Urbana?
Urbana 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. Annual rainfall totals 41.1 inches, with 30.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Urbana?
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 Urbana?
The median home value in Urbana is $97,600. Zillow estimates the typical home value at $265,393. The homeownership rate is 100.0%. The average annual property tax is $2,750.
How are the schools in Urbana?
Schools in Urbana score 5.9 out of 10 on standardized testing, near the national average. 0.0% of adults in Urbana hold a bachelor's degree or higher, below the national average of 33.7%. 100.0% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Urbana?
The obesity rate in Urbana is 36.0% (above the national rate of 32.1%). 15.0% of adults are smokers. 21.2% are physically inactive. 24.9% of residents report depression. 0.0% lack health insurance (below the national rate). 65.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,370.
What are the demographics of Urbana?
The racial and ethnic makeup of Urbana is 100% White. 100% of residents speak only English at home. 45.5% of the population are military veterans. 31.8% of residents have a disability. 100.0% have health insurance coverage.