Retiring in Carmel, IN

Retirement city profile: climate, cost of living, healthcare, safety and more

83°/23°

Climate (Summer/Winter)

$577,066

Housing (Typical Value)

72.7

Safety (Violent Crime/100,000)

Is Carmel Right for Your Retirement?

With a reported population of 100,501, Carmel offers a smaller-city setting for retirement planning. This profile brings its climate, housing, reported crime, healthcare access, walkability and natural hazard exposure into one view so you can evaluate the tradeoffs.

Potential Strengths

Mild summers
Lower violent crime
Lower property crime
Moderate city size
Low hurricane risk
Low wildfire risk
Low earthquake risk

Potential Tradeoffs

Wet climate
Higher housing costs
Elevated tornado risk

Potential advantages. The average June through August high is 83°F. The reported violent crime rate is 72.7 per 100,000, 80% below the 359.1 per 100,000 US median. The reported property crime rate is 829.2 per 100,000, 53% below the 1760.1 per 100,000 US median. FEMA and NOAA assign lower risk designations to hurricane, wildfire and earthquake.

Potential tradeoffs. Annual precipitation is 47.2 inches. The typical home value is $577,066, 55% above the $371,774 US median. Median gross rent is $1,607 per month, 15% above the $1,400 per month US median. FEMA and NOAA assign an elevated risk designation to tornado.

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Climate

Summer high (Jun-Aug avg)83°F

Winter low (Dec-Feb avg)23°F

Annual snowfall26.7"

Annual precipitation47.2"

Housing & Cost of Living

Typical home value (ZHVI)$577,06655% above the $371,774 US median

Median gross rent$1,607/mo15% above the $1,400/mo US median

Safety (Reported Crime)

Violent crime rate72.7 /100,00080% below the 359.1 /100,000 US median

Property crime rate829.2 /100,00053% below the 1760.1 /100,000 US median

Motor vehicle theft rate86.3 /100,000

Healthcare Access

Nearest hospitalFranciscan St Francis Health - Carmel (0.4 mi)

Hospital qualityNot Rated (CMS)

Primary care accessStrong (721 residents/physician)

Walkability

EPA Walkability Index8.4/20 (Below Average)

Population & City Size

Population100,501Classified as a smaller city

Elevation843 ft

Natural Disaster Risk

Riverine floodingRelatively Moderate

Coastal floodingN/A

TornadoRelatively High

HurricaneVery Low

WildfireVery Low

EarthquakeRelatively Low

Ice stormsRelatively Moderate

TsunamiN/A

Sources & Freshness

Crime: FBI UCR/NIBRS · Climate: NOAA Climate Normals · Natural disaster risk: FEMA National Risk Index & NOAA · Hospital location & distance: HIFLD · Hospital quality rating: CMS Hospital Compare · Primary care access: HRSA county-level provider data · Home value: Zillow Home Value Index (ZHVI) · Rent: Census ACS place-level data · Population & elevation: US Census Bureau · Walkability: EPA National Walkability Index.
National median/average figures used for comparison (home value, rent, crime, precipitation) are recalculated annually from the same source datasets above.
Data last refreshed: August 2026.
Figures are comparative indicators and may not reflect neighborhood-level conditions. Confirm current housing, healthcare and hazard information with the cited sources before making a relocation decision.

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