← Map/← Indiana/Counties/Howard

Howard
Indiana

83K

Population

$62K

Median Income

$191K

Median Home

R+35

Politics

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What stands out

If you had to describe Howard County in numbers, start here: the overdose death rate is in the top 10% of American counties (35 per 100,000), unemployment is in the top 11% of American counties (5.0%), and winter sunshine is in the bottom 14% of American counties (-0.8 on the USDA scale). Within Indiana it ranks 9th of 92 counties for the overdose death rate.

Where you are

You live in Howard County, Indiana. 83,452 people live here with you. The population grew 0.3% last year, and more Americans moved in than out (net +501).

Indiana has a flat income tax just under 3% and most counties add their own income tax on top, typically 1% to 2.5%. Property taxes are capped by the state constitution at 1% of assessed value for homesteads. Indianapolis, Fort Wayne and the Chicago suburbs in Lake County account for most of the growth; the rest of the state is affordable and slow-changing.

Money

The typical household here brings in $62,014 a year, higher than 55% of American counties. Employers pay an average wage of $62,420. Unemployment runs 5.0%, higher than 89% of American counties. 6% of workers work from home.

Indiana takes 2.9% of that median income in state income tax, about $1,829 a year.

Home

The median home costs $194K, cheaper than 65% of American counties, about 1.8 years of the median household's income. A two-bedroom rents for around $857 a month. Property tax is 0.72% of home value, roughly $1,025 a year on that median home, lower than 63% of American counties. 72% of households own rather than rent.

Safety and health

Violent crime here is 3.9 per 1,000 residents, higher than 50% of American counties. Drug overdoses killed 35 people per 100,000 in 2024, one of the harder-hit counties in the country.

A child born here can expect to live 73.0 years, shorter than 80% of American counties. There are 124 active physicians in the county, about 14.9 per 10,000 people. Medicare rates the local hospitals 4.0 of 5 stars. 7.3% of people under 65 have no health insurance.

School

Local students test at grade level 3.06 where 3.0 is national grade level, higher than 68% of American counties. 91% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 35 points. 64% of eligible voters turned out. Under Indiana law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is illegal.

Weather and risk

The year averages 51°F, highs near 62 and lows near 41, colder than 69% of American counties. About 33 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 68 out of 100, riskier than 68% of American counties; the county has had 15 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 236 Mbps down, faster than 67% of American counties. There are 5 airports in the county, counting general aviation. For a night or a weekend out: 0.7 full-service restaurants per 1,000 people, 1 brewery.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$62K
This county
national avg ~$75K
Poverty Rate15.2%
This county
national avg ~11.5%
Unemployment Rate5.0%
This county
national avg ~3.8%
GDP per Capita$65,629
Federal Spending per Capita$148
Median Individual Earnings$40K
This county
national avg $45K
Professional/Management Workers30.1%
Average Adjusted Gross Income$61K
Avg Credit Score664
Work From Home %5.5%
This county
national avg 17.0%
Population Under 1822.8%
This county
national avg 22.0%
Single-Person Households31.3%
This county
national avg 28.0%
Banks & Finance Firms53
Income (20th Percentile)$29K
Income (80th Percentile)$115K
Income (95th Percentile)$187K
Bachelor's Degree or Higher19.8%
This county
national avg 34.3%
Less Than High School8.7%
This county
national avg 11.0%
Knowledge Economy GDP %4.3%
Dependency Ratio0.73
Medicare Spending / Person$3,656
SS Benefits / Person$5,069
Education Wage Premium1.88x
Median Earnings (Bachelor's)$57K
Median Earnings (Graduate)$69K
Median Earnings (HS Diploma)$37K
Public Assistance Recipients2.4%
Average Annual Wage$62K
Professional Services Concentration0.32x national
This county
1.0 = national average share
Federal Government Jobs Located Here161
Federal Share of Jobs Located Here0.5%
Residents Who Work for the Federal Government1.2%
Federal Civilian Share of Earnings0.7%
Federal Contract Dollars Performed Here (FY2025)$803,610
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars32%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$191K
This county
$240K state avg
$303K national
Median Sale Price$181K
This county
$303K national
Market Rent (ZORI)$1007/mo
This county
$1100/mo state avg
$1400/mo national
Property Tax Rate0.72%
This county
0.71% state avg
1.10% national

Annual tax on median home: $1,025

Affordability & Supply

HUD Fair Market Rent (2BR)$1,123/mo
Home Price Change (1 yr)+5.5%−+3.3% since 2024
Home Value to Income Ratio1.8x income
Severely Cost-Burdened Households8.9%
Homeownership Rate71.7%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
96.0%
Listings with Price Cuts— Low — market moving fast
22.2%
Sold Above List Price
20.6%
Median Days to Close
26 days
Active Listings
319
New Listings / Month
111

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
28 days
Months of Supply (Redfin)— Low inventory — sellers market
2.3 mo
Sold Above List (Redfin)
24.6%

Sale-to-List Cross-Reference

Zillow 96.0%  ·  Redfin 97.6%

Source: Redfin · Updated monthly

Health

Life Expectancy73.0 yrs
This county
national avg ~78.5 years
Hospital Rating4.0 / 5
This county
national avg 3.0 stars
Food Insecurity12.2%
This county
national avg ~11%
Food Environment Index7.2 / 10
This county
higher = better access
Primary Care Shortage Score10
This county
national avg 5
Mental Health Shortage Score17
Dental Care Shortage Score13
Healthcare Shortage Score7.7
Healthcare Offices187
Obesity Rate (BRFSS)36.8%
This county
national avg 32.0%
Smoking Rate (BRFSS)18.6%
This county
national avg 14.0%
Poor Health Rate (BRFSS)21.0%
This county
national avg 18.0%
Physical Inactivity (BRFSS)26.4%
This county
national avg 24.0%
High Blood Pressure (BRFSS)35.0%
This county
national avg 32.0%
Active Physicians124
Nursing Home Rating3.7 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients668 / 1,000
Medicare Cost per Beneficiary$12,229
Uninsured (under 65)7.3%
This county
national avg ~10%
Adults with Depression26.5%

Education

Math Test Scores3.12 grade level
Reading Test Scores3.00 grade level
HS Diploma Holders18,534
Bachelor's Degree Holders7,700
HS Completion Rate91.3%
This county
national avg ~85%
Private Schools19

Safety

Violent Crime Rate3.9 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate14.5 / 100K
This county
national avg ~13.6/100K
Homicide Rate6.6 / 100K
This county
national avg ~7.5/100K
Drug Overdose Rate46.6 / 100K
This county
national avg ~21/100K
Traffic Fatalities15
Social Vulnerability (CDC SVI)45th pct
Drug Overdose Deaths (2024)34.6 / 100K
Suicide Rate18.1 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale-3.6
January Sunshine-0.80
January Temperature-0.44
Average Temp51°F+1.2% since 2022
Avg High Temp62°F+1.0% since 2022
Avg Low Temp41°F+1.2% since 2022
Median AQIAQI 45
Good Air Days234 days/yr
Unhealthy Air Days12 days/yr
Annual Precipitation32.7 in/yr+2.5% since 2022
Avg Storm Events8.4 storms/yr
Avg Annual Storm Damage$280K
Ozone Days184 days/yr
This county
national avg 50 days/yr
Drought Index (2022)-0.86
Heating Degree Days5,866 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days948 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)6,200 HDD/yr
Cooling Degree Days (1901–2000 Baseline)835 CDD/yr
Avg Tornadoes / Year0.6
Avg Flood Events / Year0.8
Avg Hail Events / Year0.6
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)68 / 100
Community Resilience (FEMA)85 / 100
Federal Disaster Declarations15 since 1953
Fine Particulate Pollution (PM2.5)6.7 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)16 properties
FAA-Registered Airports7 total
Airports (excl. heliports)5 airports

Brewery Scene

Total Breweries1 breweries
Microbreweries0 microbreweries
Brewpubs1 brewpubs

Internet & Remote Work

Download Speed236 Mbps
This county
national avg ~120 Mbps
Upload Speed45 Mbps
Fixed Internet (Q1 2026)471 Mbps
Mobile Internet (Q1 2026)271 Mbps
Mobile Upload (Q1 2026)20 Mbps
Mobile Latency (Q1 2026)30 ms
Households with 100Mbps+93.6%
This county
national avg 75.0%
Cellular-Only Internet11.1%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)180 Mbps

EV Infrastructure

EV Charging Stations14 stations
DC Fast Chargers15 chargers
Level 2 EV Chargers81

Commute & Transit

Remote Workers1,994 workers
Public Transit Commuters61 workers
Walk to Work (workers)412 workers
Extreme Commutes (90+ min)552 workers
Bike Commuters0.3%
Walk to Work1.1%

Families & Childcare

Childcare Cost Burden29.6%
This county
national median ~27% of household income
Childcare Centers5.4 per 10K residents
Childcare Facilities18

Civic & Community

Voter Turnout64.4%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)3.999
Nonprofit Organizations335
Veterans Share8.6%
This county
national avg 7.0%
Married Adults48.9%
Never-Married Adults29.6%
Divorced Adults14.0%
Religious Organizations97
Asian Population1.3%
Native American Population0.2%
Membership Associations14.6 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.67 per 1K residents
Colleges & Universities3
Nursing & Care Facilities27
Grocery Stores29
Arts & Entertainment Venues8
Hotels & Lodging12
Recreation Businesses21
Professional Services Firms105
Veterinary Practices12
Real Estate Firms55
Debt Burden
Avg Mortgage Balance$58K
Avg Student Loan Balance$10K
Avg Credit Card Balance$4K
Loan Delinquency Rate51.0%
This county
national avg 4.0%

Innovation

Inventor Rate0.22%

Politics

R+35

2024 Presidential · Indiana was R+19 statewide

vs Indiana State

Income tax
3.05%Same (state law)
Property tax
0.72%0.71% state avg
Politics
R+35R+19
COL Index
87state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +501

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.75x avg income)

Economic Mobility

37%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Howard County

Median home value: $194K

View on Zillow →View on Realtor.com →

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Full Indiana profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable