City · Indiana
Carmel, Indiana
Carmel, city, in Hamilton County, Indiana. Carmel had 105,634 residents on July 1, 2025 by the Census Bureau's estimate, up 5.9% since 2020; the 2020 Census counted 99,757 and the ACS 2020-2024 5-year estimates put it at 101,651 (±211). GEOID 1810342.
Residents, July 2025 estimate
105,634
Census Bureau estimate (no margin published)
2020 Census count: 99,757 · ACS 2020-2024: 101,651 ±211
Median household income
$141,505
±$6,599 (90% margin)
Indiana: $71,957
Median home value
$486,800
±$10,332 (90% margin)
Indiana: $218,200
Median gross rent
$1,712
±$47 (90% margin)
Indiana: $1,062
Where is Carmel and what county is it in?
Carmel is a city in Hamilton County, Indiana. It covers 49.1 square miles of land, 2,032 residents per square mile in 2020.
Carmel is in the Indianapolis-Carmel-Greenwood, IN metropolitan statistical area, which takes in 11 counties (Census Bureau delineation, July 2023).
Carmel lies mostly within Clay Township (Hamilton County), a township with its own local government (2020 census blocks).
Source: 2024 Gazetteer and 2020 place-by-county files, U.S. Census Bureau · Census reference files
How many people live in Carmel, and is it growing?
The Census Bureau estimates that 105,634 people lived in Carmel on July 1, 2025, up 5.9% since 2020, faster than Indiana (+2.8%). The 2020 Census counted 99,757 residents. The 2020-2024 American Community Survey, a five-year sample, puts the population at 101,651 (±211).
| Measure | Carmel | Hamilton County | Change since 2015-2019 |
|---|---|---|---|
| Total population | 101,651 ±211 | 365,056 | +4,187 |
| Households | 38,426 ±715 | 137,252 | +1,472 |
| Average household size | 2.63 ±0.05 | 2.64 | no clear change |
| Housing units | 40,859 ±703 | 144,746 | +1,451 |
Carmel's population since 2000
From 37,733 in 2000 to 105,634 in 2025: up 180.0%. The 2000, 2010 and 2020 figures are census counts, each for Carmel as it was drawn that year: a place that annexed land, or a community that has since incorporated, covered a different area then. The 2005 figure is the Census Bureau's intercensal estimate, revised to fit the 2000 and 2010 counts and drawn on 2010 boundaries; 2015 and 2025 are July 1 estimates made from the census before them.
Source: The 2000, 2010 and 2020 Census counts and the Census Bureau's population estimates (intercensal 2000-2010, Vintage 2020, Vintage 2025) · Census population estimates
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); Census PEP Vintage 2025 (SUB-EST2025, CO-EST2025); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Carmel?
The median resident of Carmel is 40.6 years old; 24.5% are under 18 and 14.7% are 65 or older. The largest group is non-Hispanic white residents at 75.4%, then non-Hispanic Asian residents at 11.6%. 14.1% of residents were born outside the United States.
| Measure | Carmel | Hamilton County | Change since 2015-2019 |
|---|---|---|---|
| Median age | 40.6 ±0.7 | 38.4 | +1.2 |
| Under 18 years | 24.5% ±0.9 pts | 25.4% | – |
| 65 years and over | 14.7% ±0.9 pts | 13.9% | – |
| Male | 48.9% ±0.9 pts | 49.2% | – |
| Hispanic or Latino (any race) | 5.5% ±0.9 pts | 5.6% | +1.8 pts |
| White alone, not Hispanic | 75.4% ±1.5 pts | 78.6% | −4.9 pts |
| Black or African American alone, not Hispanic | 3.0% ±0.8 pts | 4.4% | no clear change |
| Asian alone, not Hispanic | 11.6% ±1.0 pts | 6.9% | +1.3 pts |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.1 pts | 0.0% | – |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.1 pts | 0.0% | – |
| Two or more races, not Hispanic | 3.8% ±0.7 pts | 3.8% | – |
| Some other race alone, not Hispanic | 0.7% ±0.3 pts | 0.6% | – |
| Born outside the United States | 14.1% ±1.2 pts | 10.3% | +1.9 pts |
| Speak a language other than English at home (age 5+) | 16.6% ±1.4 pts | 12.5% | – |
| Civilian veterans (age 18+) | 4.2% ±0.6 pts | 4.8% | – |
| With a disability | 6.4% ±0.6 pts | 8.0% | – |
| No health insurance coverage | 3.3% ±0.9 pts | 4.1% | no clear change |
| High school graduate or higher (age 25+) | 97.8% ±0.5 pts | 97.3% | – |
| Bachelor's degree or higher (age 25+) | 74.4% ±1.6 pts | 61.9% | +3.8 pts |
| Graduate or professional degree (age 25+) | 31.7% ±1.7 pts | 23.5% | – |
| Lived in the same house a year earlier | 89.0% ±1.7 pts | 88.8% | – |
| Moved from another state in the past year | 2.4% ±0.4 pts | 2.3% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Carmel earn?
Half of Carmel's 38,426 households earn less than $141,505 a year (±$6,599), against $121,530 in Hamilton County and $71,957 in Indiana. In 2015-2019 it was $138,779 in 2024 dollars; the margins of error cannot tell the two periods apart. 3.9% of residents live below the poverty line.
| Measure | Carmel | Hamilton County | Change since 2015-2019 |
|---|---|---|---|
| Median household income | $141,505 ±$6,599 | $121,530 | no clear change |
| Mean household income | $191,688 ±$7,128 | $158,610 | – |
| Per capita income | $73,549 ±$2,773 | $60,278 | no clear change |
| People below the poverty line | 3.9% ±0.7 pts | 4.4% | no clear change |
| Children under 18 below the poverty line | 4.1% ±1.4 pts | 4.4% | no clear change |
| Households receiving SNAP | 1.6% ±0.5 pts | 2.5% | – |
| Households with a computer | 98.7% ±0.5 pts | 98.5% | – |
| Households with a broadband subscription | 97.1% ±0.7 pts | 96.3% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Carmel?
Owners occupy 74.3% of Carmel's occupied homes and renters 25.7%. The median owner-occupied home is valued at $486,800 by its owner (±$10,332). The median renter pays $1,712 a month including utilities, and 34.5% of renters pay 35% or more of their income on rent.
| Measure | Carmel | Hamilton County | Change since 2015-2019 |
|---|---|---|---|
| Median home value (owner-occupied) | $486,800 ±$10,332 | $405,500 | +$76,733 |
| Median gross rent | $1,712 ±$47 | $1,574 | +$227 |
| Renters paying 35% or more of income on rent | 34.5% ±4.6 pts | 32.5% | no clear change |
| Median monthly owner costs, with a mortgage | $2,431 ±$62 | $2,133 | – |
| Owner-occupied homes | 74.3% ±1.7 pts | 76.1% | no clear change |
| Renter-occupied homes | 25.7% ±1.7 pts | 23.9% | – |
| Housing units | 40,859 ±703 | 144,746 | +1,451 |
| Homeowner vacancy rate | 1.2% ±0.6 pts | 1.0% | – |
| Rental vacancy rate | 8.2% ±2.6 pts | 6.6% | – |
| Single-family detached homes | 69.9% ±1.4 pts | 74.8% | – |
| Mobile homes | 0.2% ±0.2 pts | 1.5% | – |
| Built 2020 or later | 3.8% ±0.8 pts | 5.0% | – |
| Built 2010 to 2019 | 19.0% ±1.7 pts | 22.1% | – |
| Built 1939 or earlier | 0.9% ±0.4 pts | 3.5% | – |
| Households with no vehicle | 2.5% ±0.7 pts | 2.4% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How many new homes is Carmel building?
Builders took permits for 514 new housing units in Carmel in 2025 (339 in single-family houses), 4.9 per 1,000 residents against 4.2 across Indiana.
Counts of units in permits a local office issued; not every permitted unit is built. A year marked with months was reported for part of the year.
Source: Building Permits Survey, annual place files 2019-2025, U.S. Census Bureau · Census Building Permits Survey
How do people in Carmel work and get to work?
66.6% of Carmel's workers drive alone and 27.4% work from home. The average trip to work takes 24.6 minutes. The unemployment rate in 2020-2024 averaged 2.7%.
| Measure | Carmel | Hamilton County | Change since 2015-2019 |
|---|---|---|---|
| In the labor force (age 16+) | 69.5% ±1.4 pts | 71.2% | – |
| Unemployment rate | 2.7% ±0.8 pts | 2.8% | no clear change |
| Drove alone to work | 66.6% ±1.9 pts | 68.9% | – |
| Carpooled | 4.0% ±0.8 pts | 6.0% | – |
| Public transportation | 0.0% ±0.1 pts | 0.0% | – |
| Walked | 1.2% ±0.4 pts | 0.8% | – |
| Worked from home | 27.4% ±1.9 pts | 23.3% | +17.5 pts |
| Mean travel time to work | 24.6 min ±1.0 | 25.9 min | no clear change |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What census tracts are in Carmel?
19 census tracts lie mostly in Carmel, and 3 more reach into it (2020 census blocks). Their median household incomes run from $78,021 (Tract 1110.11) to $250,000 or more (Tract 1110.09).
| Tract | Residents, 2020-2024 | Median household income |
|---|---|---|
| Tract 1110.09Hamilton County | 7,853 | $250,000 or more |
| Tract 1109.10Hamilton County | 8,003 | $178,083 |
| Tract 1110.10Hamilton County | 6,717 | $205,268 |
| Tract 1109.09Hamilton County | 7,114 | $234,934 |
| Tract 1109.11Hamilton County | 7,190 | $163,750 |
| Tract 1109.06Hamilton County | 6,864 | $154,010 |
| Tract 1111.04Hamilton County | 5,690 | $92,768 |
| Tract 1110.03Hamilton County | 5,251 | $141,686 |
| Tract 1109.07Hamilton County | 5,656 | $201,229 |
| Tract 1109.12Hamilton County | 5,086 | $154,728 |
| Tract 1110.12Hamilton County | 4,926 | $92,054 |
| Tract 1109.04Hamilton County | 4,940 | $214,602 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 block assignment files (tract share = share of the tract's census blocks in Carmel) · Census block assignment files
How does Carmel compare with other places in Indiana?
By the Census Bureau's July 2025 estimates, Carmel is the 312th-most populous of the 19,476 U.S. incorporated places that have one and the 4th-most populous of 566 in Indiana.
Carmel ranks 6th of 1,072 places in Indiana with 1,000 or more residents and a reliable estimate, by median household income.
| Measure | Rank | Of |
|---|---|---|
| Population, July 2025 estimate | 4th | 566 |
| Growth 2020-2025 (PEP) | 88th | 1,056 |
| Residents per square mile | 84th | 1,088 |
| Median household income | 6th | 1,072 |
| Per capita income | 8th | 1,087 |
| Median home value | 6th | 1,075 |
| Median gross rent | 14th | 904 |
| Poverty rate | 699th | 736 |
| Bachelor's degree or higher | 3rd | 1,029 |
| Median age | 531st | 1,083 |
| Owner-occupied share | 739th | 1,087 |
| Work from home | 11th | 595 |
| Travel time to work | 607th | 1,088 |
Carmel's figures with every place in Indiana (CSV)
Every place in Indiana, sortable · Compare Carmel with other places
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) and PEP Vintage 2025 · How ranks are computed
How reliable are the figures for Carmel?
4 of the 57 figures for Carmel on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
The American Community Survey samples about one household in eight over five years, so every figure is an estimate with a 90% margin of error (shown under each value). A ring marks an estimate whose coefficient of variation is over 40%. A change is called only when the gap between the two periods is larger than their combined 90% margin (the square root of the sum of the two squared margins), the Census Bureau's test. How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · ACS technical documentation
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections
Not on this page: crime, weather and schools for Carmel are other agencies' records. Crime: the FBI's Crime Data Explorer · climate: NOAA's U.S. Climate Normals · schools: the National Center for Education Statistics' public schools in Carmel.