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Indianapolis, IN

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US location · verified

Neighborhood intelligence

Your Indianapolis relocation brief

Safety, noise, schools, air quality, true cost, hazard, and commute intelligence for Indianapolis.

Median rent

$1,473/mo

HUD 2024

Median household income

$59,110

Census ACS 2022

Median home value

$184,600

Census ACS 2022

Safety score

75/100

Estimated

Schools

B+

Estimated

Weather

72°F (H 81° / L 62°)

Open-Meteo

Safety & Crime Index

75/100

Estimated

Above-average peace of mind — -4%

Above Average

Noise Level

37 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 72°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 48 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how Indianapolis stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in Indianapolis IN

Indianapolis offers above-average safety (75/100) and solid schools (B+), two things that are hard to find together in a mid-size city. Rent runs $1,473/month and median income sits at $59,110.

Indianapolis has about 882,006 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is Indianapolis IN Safe?

Indianapolis IN scores 75/100 on safety (above average). Crime is about 4% below the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: violent crime index 32/100; property crime index 41/100; night safety Moderate. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Indianapolis IN

Campus scores in the report: Indianapolis Elementary (elementary) at 7/10; Indianapolis Middle School (middle) at 7/10; Indianapolis High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in Indianapolis IN

Typical rent in Indianapolis is about $1,473/month (moderate). At $1,473/month for a typical unit, you need about $53,028+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $184,600.

Median household income is $59,110, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($59,110) clears the $53,028 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Indianapolis IN

Average temperature is about 72°F (highs near 81°F, lows near 62°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Indianapolis IN?

Who tends to thrive in Indianapolis: (1) Households that want quieter streets (safety sits at 75/100) (2) People relocating for a job who can pick a safer ZIP (citywide safety is 75/100) (3) Households earning $53,028+ who can clear the 3× rent rule at $1,473/month (4) Movers with a locked job offer in Indianapolis who already priced rent, schools, and commute

Who should look elsewhere: (1) Households expecting top marks on rent, safety, and schools at once (Indianapolis does not clear every bar) (2) People who will not research ZIP-level crime and school maps before leasing

Income sniff test: clear about $53,028 household income for $1,473/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Indianapolis holds up well on the core metrics. Safety at 75/100 and B+ schools make it a reasonable choice for families who can manage $1,473/month rent.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Indianapolis.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,317

Mortgage + tax + insurance + HOA

Annual property tax

$2,677

Annual est. $5,580

Est. monthly utilities

$289

Climate-adjusted electric, gas & water

Median home price

$184,600

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$166k
2022
$170k
2023
$175k
2024
$180k
2025
$185k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Buying saves ~$156/mo vs renting
$1,473HUD 2024
Rent
$1,317
Buy

Mortgage

$933

Property tax

$223

Insurance

$66

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$2,450/yr

2024

1.37%

$2,523/yr

2025

1.41%

$2,599/yr

2026

1.45%

$2,677/yr

Buying in Indianapolis? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$791/yr

moderate exposure
Wind hazard index48 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 72°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $791.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Indianapolis to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo