Carmel IN vs Killeen 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%
Killeen, TX
Texas · Population: 45,598
- Median HH Income$172,654
- Median Home Price$220,846
- Unemployment3.0%
- Bachelor's+60.1%
Detailed Comparison
Demographics
Population
Carmel
100,501
Carmel +
Killeen
45,598
Pop. Density / sq mi
Lower = more space
Carmel
N/A
Killeen
N/A
Median Age
Carmel
40.5
Carmel +
Killeen
44.1
Foreign Born
Carmel
12.9%
Carmel +
Killeen
11.0%
White
Carmel
77.5%
Killeen
81.5%
Killeen +
Black
Carmel
3.7%
Carmel +
Killeen
2.9%
Asian
Carmel
11.6%
Carmel +
Killeen
6.1%
Hispanic
Carmel
5.0%
Killeen
10.7%
Killeen +
Spanish at Home
Carmel
N/A
Killeen
N/A
| Metric | Carmel, IN | Killeen, TX | Better |
|---|---|---|---|
| Population | 100,501 | 45,598 | Carmel + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.5 | 44.1 | Carmel + |
| Foreign Born | 12.9% | 11.0% | Carmel + |
| White | 77.5% | 81.5% | Killeen + |
| Black | 3.7% | 2.9% | Carmel + |
| Asian | 11.6% | 6.1% | Carmel + |
| Hispanic | 5.0% | 10.7% | Killeen + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Carmel
$134,602
Killeen
$172,654
Killeen +
Per Capita Income
Carmel
$71,546
Killeen
$76,859
Killeen +
Per Capita Personal Income (MSA)
BEA MSA-level
Carmel
$58,697
Killeen
$63,758
Killeen +
Unemployment Rate
Carmel
2.7%
Carmel +
Killeen
3.0%
Poverty Rate
Carmel
3.7%
Killeen
3.2%
Killeen +
Bachelor's Degree+
Carmel
74.5%
Carmel +
Killeen
60.1%
| Metric | Carmel, IN | Killeen, TX | Better |
|---|---|---|---|
| Median HH Income | $134,602 | $172,654 | Killeen + |
| Per Capita Income | $71,546 | $76,859 | Killeen + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $63,758 | Killeen + |
| Unemployment Rate | 2.7% | 3.0% | Carmel + |
| Poverty Rate | 3.7% | 3.2% | Killeen + |
| Bachelor's Degree+ | 74.5% | 60.1% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Carmel
$570,592
Killeen
$220,846
Killeen +
Homeownership Rate
Carmel
74.6%
Killeen
81.9%
Killeen +
| Metric | Carmel, IN | Killeen, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $570,592 | $220,846 | Killeen + |
| Homeownership Rate | 74.6% | 81.9% | Killeen + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Carmel
370
Carmel +
Killeen
442
Property Crime / 100K
FBI CDE (state-level est.)
Carmel
1719
Carmel +
Killeen
2339
| Metric | Carmel, IN | Killeen, 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 +
Killeen
45.7%
Diabetes Rate
CDC PLACES
Carmel
9.6%
Carmel +
Killeen
13.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Carmel
12.5%
Carmel +
Killeen
20.7%
No Health Insurance
CDC PLACES
Carmel
4.4%
Carmel +
Killeen
17.3%
Binge Drinking
CDC PLACES
Carmel
16.2%
Killeen
15.0%
Killeen +
Current Smokers
CDC PLACES
Carmel
8.2%
Carmel +
Killeen
14.6%
| Metric | Carmel, IN | Killeen, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.8% | 45.7% | Carmel + |
| Diabetes RateCDC PLACES | 9.6% | 13.0% | Carmel + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.5% | 20.7% | Carmel + |
| No Health InsuranceCDC PLACES | 4.4% | 17.3% | Carmel + |
| Binge DrinkingCDC PLACES | 16.2% | 15.0% | Killeen + |
| Current SmokersCDC PLACES | 8.2% | 14.6% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Carmel
51.6°F
Carmel +
Killeen
66.0°F
Annual Precipitation
NOAA 1991–2020 normal
Carmel
42.2 in
Killeen
33.1 in
Killeen +
| Metric | Carmel, IN | Killeen, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.6°F | 66.0°F | Carmel + |
| Annual PrecipitationNOAA 1991–2020 normal | 42.2 in | 33.1 in | Killeen + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Carmel
10.1 µg/m³
Killeen
9.2 µg/m³
Killeen +
Good Air Days
AQI ≤ 50
Carmel
55.0%
Killeen
55.0%
Tie
| Metric | Carmel, IN | Killeen, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 9.2 µg/m³ | Killeen + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Carmel
26.4 min
Carmel +
Killeen
30.4 min
| Metric | Carmel, IN | Killeen, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.4 min | 30.4 min | Carmel + |
Which City is Right for You?
Killeen leads in median household income at $172,654, while killeen offers more affordable housing with a median home price of $220,846. On public safety, Carmel is safer with a violent crime rate of 370 per 100,000 residents, compared to 442 in Killeen. Carmel has a lower unemployment rate at 2.7%, and Killeen 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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