Amarillo TX vs Carmel IN — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Amarillo, TX
Texas · Population: 200,945
- Median HH Income$62,469
- Median Home Price$208,517
- Unemployment3.6%
- Bachelor's+25.1%
Carmel, IN
Indiana · Population: 100,501
- Median HH Income$134,602
- Median Home Price$570,592
- Unemployment2.7%
- Bachelor's+74.5%
Detailed Comparison
Demographics
Population
Amarillo
200,945
Amarillo +
Carmel
100,501
Pop. Density / sq mi
Lower = more space
Amarillo
N/A
Carmel
N/A
Median Age
Amarillo
35.0
Amarillo +
Carmel
40.5
Foreign Born
Amarillo
11.0%
Carmel
12.9%
Carmel +
White
Amarillo
68.0%
Carmel
77.5%
Carmel +
Black
Amarillo
7.4%
Amarillo +
Carmel
3.7%
Asian
Amarillo
4.2%
Carmel
11.6%
Carmel +
Hispanic
Amarillo
33.7%
Amarillo +
Carmel
5.0%
Spanish at Home
Amarillo
N/A
Carmel
N/A
| Metric | Amarillo, TX | Carmel, IN | Better |
|---|---|---|---|
| Population | 200,945 | 100,501 | Amarillo + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 35.0 | 40.5 | Amarillo + |
| Foreign Born | 11.0% | 12.9% | Carmel + |
| White | 68.0% | 77.5% | Carmel + |
| Black | 7.4% | 3.7% | Amarillo + |
| Asian | 4.2% | 11.6% | Carmel + |
| Hispanic | 33.7% | 5.0% | Amarillo + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Amarillo
$62,469
Carmel
$134,602
Carmel +
Per Capita Income
Amarillo
$35,133
Carmel
$71,546
Carmel +
Per Capita Personal Income (MSA)
BEA MSA-level
Amarillo
$63,758
Amarillo +
Carmel
$58,697
Unemployment Rate
Amarillo
3.6%
Carmel
2.7%
Carmel +
Poverty Rate
Amarillo
15.8%
Carmel
3.7%
Carmel +
Bachelor's Degree+
Amarillo
25.1%
Carmel
74.5%
Carmel +
| Metric | Amarillo, TX | Carmel, IN | Better |
|---|---|---|---|
| Median HH Income | $62,469 | $134,602 | Carmel + |
| Per Capita Income | $35,133 | $71,546 | Carmel + |
| Per Capita Personal Income (MSA)BEA MSA-level | $63,758 | $58,697 | Amarillo + |
| Unemployment Rate | 3.6% | 2.7% | Carmel + |
| Poverty Rate | 15.8% | 3.7% | Carmel + |
| Bachelor's Degree+ | 25.1% | 74.5% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Amarillo
$208,517
Amarillo +
Carmel
$570,592
Homeownership Rate
Amarillo
59.6%
Carmel
74.6%
Carmel +
| Metric | Amarillo, TX | Carmel, IN | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $208,517 | $570,592 | Amarillo + |
| Homeownership Rate | 59.6% | 74.6% | Carmel + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Amarillo
442
Carmel
370
Carmel +
Property Crime / 100K
FBI CDE (state-level est.)
Amarillo
2339
Carmel
1719
Carmel +
| Metric | Amarillo, TX | Carmel, IN | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 442 | 370 | Carmel + |
| Property Crime / 100KFBI CDE (state-level est.) | 2339 | 1719 | Carmel + |
Health
Obesity Rate
CDC PLACES
Amarillo
38.5%
Carmel
30.8%
Carmel +
Diabetes Rate
CDC PLACES
Amarillo
13.6%
Carmel
9.6%
Carmel +
Poor Mental Health
CDC PLACES — 14+ days/month
Amarillo
18.4%
Carmel
12.5%
Carmel +
No Health Insurance
CDC PLACES
Amarillo
19.4%
Carmel
4.4%
Carmel +
Binge Drinking
CDC PLACES
Amarillo
17.1%
Carmel
16.2%
Carmel +
Current Smokers
CDC PLACES
Amarillo
14.9%
Carmel
8.2%
Carmel +
| Metric | Amarillo, TX | Carmel, IN | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 38.5% | 30.8% | Carmel + |
| Diabetes RateCDC PLACES | 13.6% | 9.6% | Carmel + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 18.4% | 12.5% | Carmel + |
| No Health InsuranceCDC PLACES | 19.4% | 4.4% | Carmel + |
| Binge DrinkingCDC PLACES | 17.1% | 16.2% | Carmel + |
| Current SmokersCDC PLACES | 14.9% | 8.2% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Amarillo
57.4°F
Carmel
51.6°F
Carmel +
Annual Precipitation
NOAA 1991–2020 normal
Amarillo
20.4 in
Amarillo +
Carmel
42.2 in
| Metric | Amarillo, TX | Carmel, IN | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 57.4°F | 51.6°F | Carmel + |
| Annual PrecipitationNOAA 1991–2020 normal | 20.4 in | 42.2 in | Amarillo + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Amarillo
9.2 µg/m³
Amarillo +
Carmel
10.1 µg/m³
Good Air Days
AQI ≤ 50
Amarillo
55.0%
Carmel
55.0%
Tie
| Metric | Amarillo, TX | Carmel, IN | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.2 µg/m³ | 10.1 µg/m³ | Amarillo + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Amarillo
20.6 min
Amarillo +
Carmel
26.4 min
| Metric | Amarillo, TX | Carmel, IN | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 20.6 min | 26.4 min | Amarillo + |
Which City is Right for You?
Carmel leads in median household income at $134,602, while amarillo offers more affordable housing with a median home price of $208,517. On public safety, Carmel is safer with a violent crime rate of 370 per 100,000 residents, compared to 442 in Amarillo. Carmel has a lower unemployment rate at 2.7%, and Amarillo has cleaner air (PM2.5 avg 9.2 µg/m³). For overall health outcomes, Carmel scores better with a lower obesity rate of 30.8%.
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