Carmel IN vs Fort Collins CO — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Carmel, IN
Indiana · Population: 100,501
- Median HH Income$134,602
- Median Home Price$570,592
- Unemployment2.7%
- Bachelor's+74.5%
Fort Collins, CO
Colorado · Population: 169,705
- Median HH Income$83,598
- Median Home Price$568,389
- Unemployment5.2%
- Bachelor's+59.9%
Detailed Comparison
Demographics
Population
Carmel
100,501
Fort Collins
169,705
Fort Collins +
Pop. Density / sq mi
Lower = more space
Carmel
N/A
Fort Collins
N/A
Median Age
Carmel
40.5
Fort Collins
30.6
Fort Collins +
Foreign Born
Carmel
12.9%
Carmel +
Fort Collins
6.6%
White
Carmel
77.5%
Fort Collins
81.7%
Fort Collins +
Black
Carmel
3.7%
Carmel +
Fort Collins
1.4%
Asian
Carmel
11.6%
Carmel +
Fort Collins
3.4%
Hispanic
Carmel
5.0%
Fort Collins
12.3%
Fort Collins +
Spanish at Home
Carmel
N/A
Fort Collins
N/A
| Metric | Carmel, IN | Fort Collins, CO | Better |
|---|---|---|---|
| Population | 100,501 | 169,705 | Fort Collins + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.5 | 30.6 | Fort Collins + |
| Foreign Born | 12.9% | 6.6% | Carmel + |
| White | 77.5% | 81.7% | Fort Collins + |
| Black | 3.7% | 1.4% | Carmel + |
| Asian | 11.6% | 3.4% | Carmel + |
| Hispanic | 5.0% | 12.3% | Fort Collins + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Carmel
$134,602
Carmel +
Fort Collins
$83,598
Per Capita Income
Carmel
$71,546
Carmel +
Fort Collins
$46,341
Per Capita Personal Income (MSA)
BEA MSA-level
Carmel
$58,697
Fort Collins
$76,653
Fort Collins +
Unemployment Rate
Carmel
2.7%
Carmel +
Fort Collins
5.2%
Poverty Rate
Carmel
3.7%
Carmel +
Fort Collins
16.0%
Bachelor's Degree+
Carmel
74.5%
Carmel +
Fort Collins
59.9%
| Metric | Carmel, IN | Fort Collins, CO | Better |
|---|---|---|---|
| Median HH Income | $134,602 | $83,598 | Carmel + |
| Per Capita Income | $71,546 | $46,341 | Carmel + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $76,653 | Fort Collins + |
| Unemployment Rate | 2.7% | 5.2% | Carmel + |
| Poverty Rate | 3.7% | 16.0% | Carmel + |
| Bachelor's Degree+ | 74.5% | 59.9% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Carmel
$570,592
Fort Collins
$568,389
Fort Collins +
Homeownership Rate
Carmel
74.6%
Carmel +
Fort Collins
52.1%
| Metric | Carmel, IN | Fort Collins, CO | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $570,592 | $568,389 | Fort Collins + |
| Homeownership Rate | 74.6% | 52.1% | Carmel + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Carmel
370
Carmel +
Fort Collins
512
Property Crime / 100K
FBI CDE (state-level est.)
Carmel
1719
Carmel +
Fort Collins
3234
| Metric | Carmel, IN | Fort Collins, CO | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 370 | 512 | Carmel + |
| Property Crime / 100KFBI CDE (state-level est.) | 1719 | 3234 | Carmel + |
Health
Obesity Rate
CDC PLACES
Carmel
30.8%
Fort Collins
23.8%
Fort Collins +
Diabetes Rate
CDC PLACES
Carmel
9.6%
Fort Collins
6.2%
Fort Collins +
Poor Mental Health
CDC PLACES — 14+ days/month
Carmel
12.5%
Carmel +
Fort Collins
18.7%
No Health Insurance
CDC PLACES
Carmel
4.4%
Carmel +
Fort Collins
9.4%
Binge Drinking
CDC PLACES
Carmel
16.2%
Carmel +
Fort Collins
20.3%
Current Smokers
CDC PLACES
Carmel
8.2%
Carmel +
Fort Collins
9.9%
| Metric | Carmel, IN | Fort Collins, CO | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.8% | 23.8% | Fort Collins + |
| Diabetes RateCDC PLACES | 9.6% | 6.2% | Fort Collins + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.5% | 18.7% | Carmel + |
| No Health InsuranceCDC PLACES | 4.4% | 9.4% | Carmel + |
| Binge DrinkingCDC PLACES | 16.2% | 20.3% | Carmel + |
| Current SmokersCDC PLACES | 8.2% | 9.9% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Carmel
51.6°F
Fort Collins
50.3°F
Fort Collins +
Annual Precipitation
NOAA 1991–2020 normal
Carmel
42.2 in
Fort Collins
16.1 in
Fort Collins +
| Metric | Carmel, IN | Fort Collins, CO | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.6°F | 50.3°F | Fort Collins + |
| Annual PrecipitationNOAA 1991–2020 normal | 42.2 in | 16.1 in | Fort Collins + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Carmel
10.1 µg/m³
Fort Collins
6.2 µg/m³
Fort Collins +
Good Air Days
AQI ≤ 50
Carmel
55.0%
Fort Collins
75.0%
Fort Collins +
| Metric | Carmel, IN | Fort Collins, CO | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 6.2 µg/m³ | Fort Collins + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Fort Collins + |
Commute
Mean Commute Time
Census ACS
Carmel
26.4 min
Fort Collins
21.8 min
Fort Collins +
| Metric | Carmel, IN | Fort Collins, CO | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.4 min | 21.8 min | Fort Collins + |
Which City is Right for You?
Carmel leads in median household income at $134,602, while fort Collins offers more affordable housing with a median home price of $568,389. On public safety, Carmel is safer with a violent crime rate of 370 per 100,000 residents, compared to 512 in Fort Collins. Carmel has a lower unemployment rate at 2.7%, and Fort Collins has cleaner air (PM2.5 avg 6.2 µg/m³). For overall health outcomes, Fort Collins scores better with a lower obesity rate of 23.8%.
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