Carmel IN vs Garland TX — 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%
Garland, TX
Texas · Population: 245,298
- Median HH Income$74,717
- Median Home Price$289,605
- Unemployment4.9%
- Bachelor's+25.0%
Detailed Comparison
Demographics
Population
Carmel
100,501
Garland
245,298
Garland +
Pop. Density / sq mi
Lower = more space
Carmel
N/A
Garland
N/A
Median Age
Carmel
40.5
Garland
34.7
Garland +
Foreign Born
Carmel
12.9%
Garland
31.2%
Garland +
White
Carmel
77.5%
Carmel +
Garland
37.5%
Black
Carmel
3.7%
Garland
15.3%
Garland +
Asian
Carmel
11.6%
Carmel +
Garland
11.2%
Hispanic
Carmel
5.0%
Garland
45.0%
Garland +
Spanish at Home
Carmel
N/A
Garland
N/A
| Metric | Carmel, IN | Garland, TX | Better |
|---|---|---|---|
| Population | 100,501 | 245,298 | Garland + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.5 | 34.7 | Garland + |
| Foreign Born | 12.9% | 31.2% | Garland + |
| White | 77.5% | 37.5% | Carmel + |
| Black | 3.7% | 15.3% | Garland + |
| Asian | 11.6% | 11.2% | Carmel + |
| Hispanic | 5.0% | 45.0% | Garland + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Carmel
$134,602
Carmel +
Garland
$74,717
Per Capita Income
Carmel
$71,546
Carmel +
Garland
$31,477
Per Capita Personal Income (MSA)
BEA MSA-level
Carmel
$58,697
Garland
$63,758
Garland +
Unemployment Rate
Carmel
2.7%
Carmel +
Garland
4.9%
Poverty Rate
Carmel
3.7%
Carmel +
Garland
12.3%
Bachelor's Degree+
Carmel
74.5%
Carmel +
Garland
25.0%
| Metric | Carmel, IN | Garland, TX | Better |
|---|---|---|---|
| Median HH Income | $134,602 | $74,717 | Carmel + |
| Per Capita Income | $71,546 | $31,477 | Carmel + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $63,758 | Garland + |
| Unemployment Rate | 2.7% | 4.9% | Carmel + |
| Poverty Rate | 3.7% | 12.3% | Carmel + |
| Bachelor's Degree+ | 74.5% | 25.0% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Carmel
$570,592
Garland
$289,605
Garland +
Homeownership Rate
Carmel
74.6%
Carmel +
Garland
61.6%
| Metric | Carmel, IN | Garland, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $570,592 | $289,605 | Garland + |
| Homeownership Rate | 74.6% | 61.6% | Carmel + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Carmel
370
Carmel +
Garland
442
Property Crime / 100K
FBI CDE (state-level est.)
Carmel
1719
Carmel +
Garland
2339
| Metric | Carmel, IN | Garland, TX | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 370 | 442 | Carmel + |
| Property Crime / 100KFBI CDE (state-level est.) | 1719 | 2339 | Carmel + |
Health
Obesity Rate
CDC PLACES
Carmel
30.8%
Carmel +
Garland
34.7%
Diabetes Rate
CDC PLACES
Carmel
9.6%
Carmel +
Garland
13.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Carmel
12.5%
Carmel +
Garland
17.3%
No Health Insurance
CDC PLACES
Carmel
4.4%
Carmel +
Garland
22.6%
Binge Drinking
CDC PLACES
Carmel
16.2%
Garland
16.1%
Garland +
Current Smokers
CDC PLACES
Carmel
8.2%
Carmel +
Garland
13.1%
| Metric | Carmel, IN | Garland, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.8% | 34.7% | Carmel + |
| Diabetes RateCDC PLACES | 9.6% | 13.0% | Carmel + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.5% | 17.3% | Carmel + |
| No Health InsuranceCDC PLACES | 4.4% | 22.6% | Carmel + |
| Binge DrinkingCDC PLACES | 16.2% | 16.1% | Garland + |
| Current SmokersCDC PLACES | 8.2% | 13.1% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Carmel
51.6°F
Carmel +
Garland
69.1°F
Annual Precipitation
NOAA 1991–2020 normal
Carmel
42.2 in
Carmel +
Garland
49.5 in
| Metric | Carmel, IN | Garland, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.6°F | 69.1°F | Carmel + |
| Annual PrecipitationNOAA 1991–2020 normal | 42.2 in | 49.5 in | Carmel + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Carmel
10.1 µg/m³
Garland
9.2 µg/m³
Garland +
Good Air Days
AQI ≤ 50
Carmel
55.0%
Garland
55.0%
Tie
| Metric | Carmel, IN | Garland, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 9.2 µg/m³ | Garland + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Carmel
26.4 min
Carmel +
Garland
32.5 min
| Metric | Carmel, IN | Garland, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.4 min | 32.5 min | Carmel + |
Which City is Right for You?
Carmel leads in median household income at $134,602, while garland offers more affordable housing with a median home price of $289,605. On public safety, Carmel is safer with a violent crime rate of 370 per 100,000 residents, compared to 442 in Garland. Carmel has a lower unemployment rate at 2.7%, and Garland 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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