Boston MA 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)
Boston, MA
Massachusetts · Population: 663,972
- Median HH Income$94,755
- Median Home Price$793,154
- Unemployment6.0%
- Bachelor's+54.1%
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
Boston
663,972
Boston +
Carmel
100,501
Pop. Density / sq mi
Lower = more space
Boston
N/A
Carmel
N/A
Median Age
Boston
33.2
Boston +
Carmel
40.5
Foreign Born
Boston
27.5%
Boston +
Carmel
12.9%
White
Boston
47.8%
Carmel
77.5%
Carmel +
Black
Boston
21.5%
Boston +
Carmel
3.7%
Asian
Boston
10.0%
Carmel
11.6%
Carmel +
Hispanic
Boston
18.9%
Boston +
Carmel
5.0%
Spanish at Home
Boston
N/A
Carmel
N/A
| Metric | Boston, MA | Carmel, IN | Better |
|---|---|---|---|
| Population | 663,972 | 100,501 | Boston + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.2 | 40.5 | Boston + |
| Foreign Born | 27.5% | 12.9% | Boston + |
| White | 47.8% | 77.5% | Carmel + |
| Black | 21.5% | 3.7% | Boston + |
| Asian | 10.0% | 11.6% | Carmel + |
| Hispanic | 18.9% | 5.0% | Boston + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Boston
$94,755
Carmel
$134,602
Carmel +
Per Capita Income
Boston
$60,001
Carmel
$71,546
Carmel +
Per Capita Personal Income (MSA)
BEA MSA-level
Boston
$85,405
Boston +
Carmel
$58,697
Unemployment Rate
Boston
6.0%
Carmel
2.7%
Carmel +
Poverty Rate
Boston
16.9%
Carmel
3.7%
Carmel +
Bachelor's Degree+
Boston
54.1%
Carmel
74.5%
Carmel +
| Metric | Boston, MA | Carmel, IN | Better |
|---|---|---|---|
| Median HH Income | $94,755 | $134,602 | Carmel + |
| Per Capita Income | $60,001 | $71,546 | Carmel + |
| Per Capita Personal Income (MSA)BEA MSA-level | $85,405 | $58,697 | Boston + |
| Unemployment Rate | 6.0% | 2.7% | Carmel + |
| Poverty Rate | 16.9% | 3.7% | Carmel + |
| Bachelor's Degree+ | 54.1% | 74.5% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Boston
$793,154
Carmel
$570,592
Carmel +
Homeownership Rate
Boston
35.4%
Carmel
74.6%
Carmel +
| Metric | Boston, MA | Carmel, IN | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $793,154 | $570,592 | Carmel + |
| Homeownership Rate | 35.4% | 74.6% | Carmel + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Boston
326
Boston +
Carmel
370
Property Crime / 100K
FBI CDE (state-level est.)
Boston
1086
Boston +
Carmel
1719
| Metric | Boston, MA | Carmel, IN | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 326 | 370 | Boston + |
| Property Crime / 100KFBI CDE (state-level est.) | 1086 | 1719 | Boston + |
Health
Obesity Rate
CDC PLACES
Boston
23.4%
Boston +
Carmel
30.8%
Diabetes Rate
CDC PLACES
Boston
8.6%
Boston +
Carmel
9.6%
Poor Mental Health
CDC PLACES — 14+ days/month
Boston
18.0%
Carmel
12.5%
Carmel +
No Health Insurance
CDC PLACES
Boston
6.3%
Carmel
4.4%
Carmel +
Binge Drinking
CDC PLACES
Boston
20.7%
Carmel
16.2%
Carmel +
Current Smokers
CDC PLACES
Boston
10.7%
Carmel
8.2%
Carmel +
| Metric | Boston, MA | Carmel, IN | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 23.4% | 30.8% | Boston + |
| Diabetes RateCDC PLACES | 8.6% | 9.6% | Boston + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 18.0% | 12.5% | Carmel + |
| No Health InsuranceCDC PLACES | 6.3% | 4.4% | Carmel + |
| Binge DrinkingCDC PLACES | 20.7% | 16.2% | Carmel + |
| Current SmokersCDC PLACES | 10.7% | 8.2% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Boston
51.5°F
Boston +
Carmel
51.6°F
Annual Precipitation
NOAA 1991–2020 normal
Boston
43.8 in
Carmel
42.2 in
Carmel +
| Metric | Boston, MA | Carmel, IN | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.5°F | 51.6°F | Boston + |
| Annual PrecipitationNOAA 1991–2020 normal | 43.8 in | 42.2 in | Carmel + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Boston
7.2 µg/m³
Boston +
Carmel
10.1 µg/m³
Good Air Days
AQI ≤ 50
Boston
75.0%
Boston +
Carmel
55.0%
| Metric | Boston, MA | Carmel, IN | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 10.1 µg/m³ | Boston + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Boston + |
Commute
Mean Commute Time
Census ACS
Boston
33.1 min
Carmel
26.4 min
Carmel +
| Metric | Boston, MA | Carmel, IN | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 33.1 min | 26.4 min | Carmel + |
Which City is Right for You?
Carmel leads in median household income at $134,602, while carmel offers more affordable housing with a median home price of $570,592. On public safety, Boston is safer with a violent crime rate of 326 per 100,000 residents, compared to 370 in Carmel. Carmel has a lower unemployment rate at 2.7%, and Boston has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Boston scores better with a lower obesity rate of 23.4%.
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