City profile · Indiana · Census ACS 2023

Chain-O-Lakes, IN

Population, income, housing, safety, climate and schools for Chain-O-Lakes - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

427
Residents
$71,010
Median income
$255,300
Median home
$1,292
Median rent (state)

Chain-O-Lakes - the verdict

Chain-O-Lakes ranks in the 51st percentile for household income nationally, out of every US city with at least 1,000 residents. Source: Census ACS.

51st
percentile, household income
57th
percentile, home value
45th
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Chain-O-Lakes, IN

427 people live in Chain-O-Lakes, Indiana - a small town by U.S. Census Bureau ACS 2023 estimates. The typical household in Chain-O-Lakes brings in $71,010 a year, above the median for U.S. cities on this measure, with a poverty rate of 0.0%. Home values in Chain-O-Lakes run a median of $255,300, and the median resident age is 52.8 years. About 13.3% of adults hold a bachelor's degree or higher, while 30.6% of working-age residents are in the labor force.

Living costs in Indiana run below the national norm: BEA Regional Price Parities 2024 puts Indiana at 93.3 on a 100-equals-national-average scale (Below Average). A typical two-bedroom carries a HUD Fair Market Rent of $1,292 per month statewide. Monthly utility costs average around $235 across Indiana, per EIA 2023 residential energy estimates. On FEMA's National Risk Index, this area rates 85.8 out of 100 for natural-hazard exposure (Very High).

Population

427 residents

Census ACS 2023 - Indiana

Median Household Income

$71,010 /yr

Poverty 0.0%

Cost of Living Index (state)

93.3 (US=100)

Below Average - BEA RPP 2024, Indiana average

How does Chain-O-Lakes compare to other US cities?

Where Chain-O-Lakes sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.

Household income 51% higher than other cities
Home value 57% pricier than other cities
Median rent 45% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

Each percentile compares Chain-O-Lakes against every qualifying US city; each in-state rank narrows that to Indiana only. Full formula and direction notes: methodology.

Indiana-relative analysis

Poverty Rate places Chain-O-Lakes near the bottom of Indiana's cities

Among the 849 Indiana cities PlainCities tracks with reported poverty rate data, Chain-O-Lakes ranks #638 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Chain-O-Lakes only against its own state's cities, not the full US field.

Median Household Income
#260 of 766
66th percentile in Indiana
Median Gross Rent
#165 of 850
79th percentile in Indiana
Median Home Value
#82 of 771
89th percentile in Indiana
Poverty Rate
#638 of 849
0th percentile in Indiana
Bachelor's Degree or Higher
#472 of 850
44th percentile in Indiana

Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Indiana only, not a livability score. See the methodology for the source and calculation.

51stIncome percentile

51st percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Chain-O-Lakes's home value compares nationally

Median home value vs. every US city (population 1,000+)

$255,300 43rd percentile more affordable than 43% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). This entry sits in this band. $275,000–$300,000: 712 US cities (5%). Above this entry. $300,000–$325,000: 521 US cities (3%). Above this entry. $325,000–$350,000: 526 US cities (3%). Above this entry. $350,000–$375,000: 465 US cities (3%). Above this entry. $375,000–$400,000: 393 US cities (3%). Above this entry. $400,000–$425,000: 317 US cities (2%). Above this entry. $425,000–$450,000: 300 US cities (2%). Above this entry. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Chain-O-Lakes $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Chain-O-Lakes, IN Chain-O-Lakes, IN's reported median household income shown against the U.S. national quintile-share pattern (not Chain-O-Lakes, IN-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Chain-O-Lakes, IN median $71,010/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Chain-O-Lakes, IN's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Chain-O-Lakes, IN. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 13.3%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 0.0%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 30.6%

Census ACS S2301, share of working-age residents in the labor force

Population
427
Median Income
$71,010
Median Home Value
$255,300
Median Age
52.8
Poverty Rate
0.0%
Labor force participation
30.6%
Bachelor's Degree+
13.3%

Commute Patterns

How workers travel to work, Census ACS 2023

Drive Alone
78.4%
Carpool
0.0%
Public Transit
0.0%
Walk
11.2%
Work from Home
10.3%

Based on 116 workers 16 and over.

Monthly Utility Costs

State-average estimates for Indiana - EIA 2023 residential energy data

Electricity
$110
avg/month
Natural Gas
$80
avg/month
Water & Sewer
$45
avg/month
Total Utilities
$235
estimated/month

Estimates reflect Indiana state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Indiana state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Chain-O-Lakes sits in

Cost of Living Index
93.3
Below Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$1,292/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
85.8 / 100
Very High
FEMA NRI composite score (county)

Similar Cities in Indiana

Wilkinson
427 people
Amo
426 people
Big Lake
430 people
Otwell
430 people
Waveland
431 people
New Washington
432 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Chain-O-Lakes's 427 residents (Census ACS 5-Year 2023).

Nunn, CO
427 people
Little River, KS
427 people
Provencal, LA
427 people
Cordova, MD
427 people
Chokio, MN
427 people
Cook, MN
427 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Chain-O-Lakes's $71,010 (Census ACS 5-Year 2023, table B19013).

Cressona, PA
$71,010 median income
Sun City Center, FL
$71,012 median income
Seward, AK
$71,016 median income
Rye, AR
$71,016 median income
Beresford, SD
$71,017 median income
Palmyra, PA
$71,018 median income

Race & Ethnicity Composition

Race and ethnicity - Chain-O-Lakes, IN Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Chain-O-Lakes, IN - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 100.0% ETHNICITY, Hispanic or Latino (any race) 0.0% White 100.0% Black or African American 0.0% Asian 0.0% American Indian 0.0% Native Hawaiian 0.0% Some other race 0.0% Two or more races 0.0% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Chain-O-Lakes compares to nearby Indiana cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Chain-O-Lakes (this city) 427 $71,010
Wilkinson 427 $63,500
Amo 426 $76,250
Big Lake 430 $120,625
Census ACS 5-year FIPS IN OMB Bulletin 23-01

What do people ask about Chain-O-Lakes, IN?

What is the population of Chain-O-Lakes, IN? +

Chain-O-Lakes, IN has a population of 427 according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Chain-O-Lakes, IN? +

Chain-O-Lakes households earn a median of $71,010 annually, based on Census ACS 2023 data.

What is the cost of living in Chain-O-Lakes? +

BEA does not publish a city-level cost-of-living figure for Chain-O-Lakes; the closest available measure is the Indiana state average, a cost of living index of 93.3 (U.S. average = 100), rated "Below Average" based on BEA Regional Price Parities 2024 data. Costs within Indiana vary by metro area.

What is the median home value in Chain-O-Lakes, IN? +

Homes in Chain-O-Lakes carry a median value of $255,300, according to Census ACS 2023 estimates.

Source: U.S. Census Bureau ACS 5-Year 2023, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.