Carmel, Indiana demographics

Carmel, IN demographics: median age 40.6; 74.4% of adults 25+ hold a bachelor’s degree. Age, race, households, languages and education, ACS 2020–2024 with margins of error.

ACS 2020–2024 · Carmel city, Indiana · Incorporated city · GEOID 1810342. The survey estimates a population of 101,651 for its five-year window. This is separate from the annual July 2025 population estimate on the city overview.

Median age in Carmel is 40.6 years, with a 90% margin of error of 0.7 years. There are 38,426 households (±715). Age and household distributions show how these totals are composed; they do not establish which neighborhood suits a particular person.

Every count and share is an estimate. “±” is a 90% margin of error (MOE); pp means percentage points. Derived shares use the category count divided by the named universe. Aggregated category MOEs and percentage MOEs are approximate. A margin larger than half its estimate is flagged as low precision. Blank source uncertainty is shown as unavailable, never zero.

Age distribution and sex

City, state and U.S. estimates · ACS 2020–2024
Measure / survey universe	City estimate ± MOE	State estimate ± MOE	U.S. estimate ± MOE
Median age Total population · years	40.6 ±0.7	38.1 ±0.2	38.9 ±0.1

Age groups · B01001 · ACS 2020–2024 Total population: 101,651
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
Under 18	24,900 ±1,292	24.5% ±1.3 pp	23.3%	22.0%
18–34	19,238 ±1,145	18.9% ±1.1 pp	22.8%	22.8%
35–64	42,520 ±1,491	41.8% ±1.5 pp	37.2%	38.0%
65 and older	14,993 ±914	14.7% ±0.9 pp	16.8%	17.2%

Sex categories as published by ACS · B01001 · ACS 2020–2024 Total population: 101,651
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
Male	49,757 ±909	48.9% ±0.9 pp	49.6%	49.5%
Female	51,894 ±928	51.1% ±0.9 pp	50.4%	50.5%

The age groups are mutually exclusive and cover the entire population. The sex categories follow this ACS table’s published classification; they are not a survey of gender identity.

Race and Hispanic origin

Race · B02001 · ACS 2020–2024 Total population: 101,651
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
White alone	77,752 ±1,535	76.5% ±1.5 pp	77.1%	61.0%
Black or African American alone	3,177 ±849	3.1% ±0.8 pp	9.2%	12.2%
American Indian and Alaska Native alone	175 ±169 · low precision	0.2% ±0.2 pp · low precision	0.3%	0.9%
Asian alone	11,849 ±1,021	11.7% ±1.0 pp	2.6%	6.0%
Native Hawaiian and Other Pacific Islander alone	10 ±33 · low precision	0.0% ±0.0 pp · low precision	0.0%	0.2%
Some other race alone	1,639 ±498	1.6% ±0.5 pp	3.4%	7.1%
Two or more races	7,049 ±1,045	6.9% ±1.0 pp	7.3%	12.6%

Hispanic or Latino origin · B03003 · ACS 2020–2024 Total population: 101,651
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
Not Hispanic or Latino	96,079 ±909	94.5% ±0.9 pp	91.4%	80.7%
Hispanic or Latino	5,572 ±918	5.5% ±0.9 pp	8.6%	19.3%

Hispanic origin and race are separate questions. People of Hispanic or Latino origin may be of any race and appear in both tables. Do not add the Hispanic share to race shares. Race alone and two-or-more-race groups are the mutually exclusive categories of the race table.

Household types, children and living alone

Household types · B11001 · ACS 2020–2024 Households: 38,426
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
Married-couple family	24,508 ±675	63.8% ±1.3 pp	47.3%	46.9%
Other family: male householder, no spouse present	1,201 ±287	3.1% ±0.7 pp	5.1%	5.1%
Other family: female householder, no spouse present	2,236 ±471	5.8% ±1.2 pp	11.3%	12.2%
Nonfamily: householder living alone	8,306 ±711	21.6% ±1.8 pp	29.6%	28.7%
Nonfamily: householder not living alone	2,175 ±402	5.7% ±1.0 pp	6.7%	7.0%

Households with children · B11005 · ACS 2020–2024 Households: 38,426
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
Households with people under 18	13,705 ±581	35.7% ±1.4 pp	29.9%	29.5%
Households without people under 18	24,721 ±996	64.3% ±2.3 pp	70.1%	70.5%

Household size · B11016 · ACS 2020–2024 Households: 38,426
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
One-person nonfamily households	8,306 ±711	21.6% ±1.8 pp	29.6%	28.7%
Two-person households	13,926 ±799	36.2% ±2.0 pp	34.9%	33.8%
Three-person households	5,829 ±639	15.2% ±1.6 pp	14.5%	15.3%
Four-person households	6,759 ±624	17.6% ±1.6 pp	11.9%	12.6%
Five-person households	2,694 ±414	7.0% ±1.1 pp	5.8%	5.9%
Six-person households	639 ±206	1.7% ±0.5 pp	2.1%	2.2%
Seven or more people	273 ±111	0.7% ±0.3 pp	1.3%	1.4%

A family household contains related people under the Census definition. A nonfamily household can contain one person or unrelated people sharing a home. Households with children can also appear in the household-type and size tables, so those tables must not be added together. Household estimates exclude people living in group quarters from the household universe.

Nativity and languages spoken at home

Nativity · B05002 · ACS 2020–2024 Total population: 101,651
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
Native	87,335 ±1,287	85.9% ±1.3 pp	93.7%	85.9%
Foreign born	14,316 ±1,251	14.1% ±1.2 pp	6.3%	14.1%

Language spoken at home · C16001 · ACS 2020–2024 Population age 5 and older: 96,763
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
English only	80,717 ±1,372	83.4% ±1.3 pp	89.7%	77.7%
Spanish	3,571 ±772	3.7% ±0.8 pp	5.5%	13.6%
French, Haitian, or Cajun	361 ±165	0.4% ±0.2 pp	0.4%	0.7%
German or other West Germanic	320 ±141	0.3% ±0.1 pp	1.1%	0.5%
Russian, Polish, or other Slavic	398 ±150	0.4% ±0.2 pp	0.3%	0.7%
Other Indo-European	3,556 ±873	3.7% ±0.9 pp	0.9%	2.0%
Korean	561 ±254	0.6% ±0.3 pp	0.1%	0.3%
Chinese, including Mandarin and Cantonese	3,217 ±515	3.3% ±0.5 pp	0.4%	1.1%
Vietnamese	176 ±137 · low precision	0.2% ±0.1 pp · low precision	0.1%	0.5%
Tagalog, including Filipino	274 ±148 · low precision	0.3% ±0.2 pp · low precision	0.2%	0.6%
Other Asian and Pacific Island	1,822 ±486	1.9% ±0.5 pp	0.8%	1.1%
Arabic	1,244 ±524	1.3% ±0.5 pp	0.2%	0.5%
Other and unspecified	546 ±261	0.6% ±0.3 pp	0.5%	0.8%

Foreign born means not a U.S. citizen at birth; it includes naturalized citizens. Language categories describe speech at home among people age five and older. A language other than English at home does not establish that someone cannot speak English. This city page uses the published C16001 summary categories because the more detailed B16001 table does not provide these city records in this release.

Educational attainment

Highest completed education · B15003 · ACS 2020–2024 Population age 25 and older: 68,401
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
Less than high school graduate	1,492 ±314	2.2% ±0.5 pp	9.6%	10.4%
High school graduate or equivalency	5,392 ±658	7.9% ±1.0 pp	32.5%	26.0%
Some college, no degree	7,396 ±693	10.8% ±1.0 pp	19.3%	19.1%
Associate’s degree	3,245 ±454	4.7% ±0.7 pp	9.1%	8.8%
Bachelor’s degree	29,168 ±1,154	42.6% ±1.6 pp	18.7%	21.6%
Graduate or professional degree	21,708 ±1,162	31.7% ±1.6 pp	10.8%	14.1%

The denominator excludes residents under 25. Each person is counted in the highest attainment category they completed. This table does not measure the quality of local schools or the education level of every current student.

Residence one year earlier

Geographic mobility · B07003 · ACS 2020–2024 Population age 1 and older: 100,742
Category	Count ± MOE	Share ± MOE (pp)	Indiana	U.S.
Same house	89,683 ±1,749	89.0% ±1.7 pp	87.3%	87.7%
Moved within same county	4,109 ±1,051	4.1% ±1.0 pp	6.5%	6.3%
Moved from a different county in the same state	3,678 ±879	3.7% ±0.9 pp	3.6%	3.1%
Moved from a different state	2,457 ±443	2.4% ±0.4 pp	2.1%	2.3%
Moved from abroad	815 ±545 · low precision	0.8% ±0.5 pp · low precision	0.4%	0.6%

These are respondents’ residence patterns one year before their survey response, pooled across the five-year window. They are not a net migration count for 2025. A person can move to a different house within the same city or county; moves within the same county should not automatically be interpreted as new arrivals to the city.

Health insurance, internet access and veterans

3.3% of Carmel residents (±0.7 percentage points) had no health insurance coverage when surveyed, compared with 7.4% in Indiana and 8.4% nationally. 97.1% of households subscribe to broadband of any type, including cellular data plans. A subscription is not the same as available service: the FCC National Broadband Map shows providers at a specific address.

City, state and U.S. shares · ACS 2020–2024
Measure	Carmel	Indiana	U.S.	Compared with Indiana
People without health insurance Civilian noninstitutionalized population	3.3% ±0.7 pp	7.4%	8.4%	Lower
Households with a broadband subscription Households	97.1% ±0.5 pp	89.9%	91.0%	Higher
Veterans Civilian population age 18 and older	4.2% ±0.6 pp	6.3%	6.2%	Lower

Reading and reusing the estimates

The Census table links above lead to the original detailed tables. Counts, source universes and uncertainty are retained in the source observation download for Carmel . Compare these figures with the same survey window; do not compare one city’s five-year estimate with another city’s annual estimate as though they measured the same period. For methods, see uncertainty and denominator calculations.

Read Carmel housing and cost context or return to the city profile.