Carmel IN vs Lynchburg VA — 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%
Lynchburg, VA
Virginia · Population: 79,255
- Median HH Income$59,808
- Median Home Price$264,994
- Unemployment5.0%
- Bachelor's+38.5%
Detailed Comparison
Demographics
Population
Carmel
100,501
Carmel +
Lynchburg
79,255
Pop. Density / sq mi
Lower = more space
Carmel
N/A
Lynchburg
N/A
Median Age
Carmel
40.5
Lynchburg
28.4
Lynchburg +
Foreign Born
Carmel
12.9%
Carmel +
Lynchburg
4.6%
White
Carmel
77.5%
Carmel +
Lynchburg
62.2%
Black
Carmel
3.7%
Lynchburg
27.7%
Lynchburg +
Asian
Carmel
11.6%
Carmel +
Lynchburg
2.2%
Hispanic
Carmel
5.0%
Carmel +
Lynchburg
5.0%
Spanish at Home
Carmel
N/A
Lynchburg
N/A
| Metric | Carmel, IN | Lynchburg, VA | Better |
|---|---|---|---|
| Population | 100,501 | 79,255 | Carmel + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.5 | 28.4 | Lynchburg + |
| Foreign Born | 12.9% | 4.6% | Carmel + |
| White | 77.5% | 62.2% | Carmel + |
| Black | 3.7% | 27.7% | Lynchburg + |
| Asian | 11.6% | 2.2% | Carmel + |
| Hispanic | 5.0% | 5.0% | Carmel + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Carmel
$134,602
Carmel +
Lynchburg
$59,808
Per Capita Income
Carmel
$71,546
Carmel +
Lynchburg
$30,004
Per Capita Personal Income (MSA)
BEA MSA-level
Carmel
$58,697
Lynchburg
$69,581
Lynchburg +
Unemployment Rate
Carmel
2.7%
Carmel +
Lynchburg
5.0%
Poverty Rate
Carmel
3.7%
Carmel +
Lynchburg
17.4%
Bachelor's Degree+
Carmel
74.5%
Carmel +
Lynchburg
38.5%
| Metric | Carmel, IN | Lynchburg, VA | Better |
|---|---|---|---|
| Median HH Income | $134,602 | $59,808 | Carmel + |
| Per Capita Income | $71,546 | $30,004 | Carmel + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $69,581 | Lynchburg + |
| Unemployment Rate | 2.7% | 5.0% | Carmel + |
| Poverty Rate | 3.7% | 17.4% | Carmel + |
| Bachelor's Degree+ | 74.5% | 38.5% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Carmel
$570,592
Lynchburg
$264,994
Lynchburg +
Homeownership Rate
Carmel
74.6%
Carmel +
Lynchburg
49.1%
| Metric | Carmel, IN | Lynchburg, VA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $570,592 | $264,994 | Lynchburg + |
| Homeownership Rate | 74.6% | 49.1% | Carmel + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Carmel
370
Lynchburg
240
Lynchburg +
Property Crime / 100K
FBI CDE (state-level est.)
Carmel
1719
Carmel +
Lynchburg
1726
| Metric | Carmel, IN | Lynchburg, VA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 370 | 240 | Lynchburg + |
| Property Crime / 100KFBI CDE (state-level est.) | 1719 | 1726 | Carmel + |
Health
Obesity Rate
CDC PLACES
Carmel
30.8%
Carmel +
Lynchburg
37.1%
Diabetes Rate
CDC PLACES
Carmel
9.6%
Carmel +
Lynchburg
11.9%
Poor Mental Health
CDC PLACES — 14+ days/month
Carmel
12.5%
Carmel +
Lynchburg
19.4%
No Health Insurance
CDC PLACES
Carmel
4.4%
Carmel +
Lynchburg
9.1%
Binge Drinking
CDC PLACES
Carmel
16.2%
Lynchburg
14.8%
Lynchburg +
Current Smokers
CDC PLACES
Carmel
8.2%
Carmel +
Lynchburg
12.9%
| Metric | Carmel, IN | Lynchburg, VA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.8% | 37.1% | Carmel + |
| Diabetes RateCDC PLACES | 9.6% | 11.9% | Carmel + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.5% | 19.4% | Carmel + |
| No Health InsuranceCDC PLACES | 4.4% | 9.1% | Carmel + |
| Binge DrinkingCDC PLACES | 16.2% | 14.8% | Lynchburg + |
| Current SmokersCDC PLACES | 8.2% | 12.9% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Carmel
51.6°F
Carmel +
Lynchburg
54.8°F
Annual Precipitation
NOAA 1991–2020 normal
Carmel
42.2 in
Lynchburg
41.5 in
Lynchburg +
| Metric | Carmel, IN | Lynchburg, VA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.6°F | 54.8°F | Carmel + |
| Annual PrecipitationNOAA 1991–2020 normal | 42.2 in | 41.5 in | Lynchburg + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Carmel
10.1 µg/m³
Lynchburg
8.2 µg/m³
Lynchburg +
Good Air Days
AQI ≤ 50
Carmel
55.0%
Lynchburg
75.0%
Lynchburg +
| Metric | Carmel, IN | Lynchburg, VA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 8.2 µg/m³ | Lynchburg + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Lynchburg + |
Commute
Mean Commute Time
Census ACS
Carmel
26.4 min
Lynchburg
18.5 min
Lynchburg +
| Metric | Carmel, IN | Lynchburg, VA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.4 min | 18.5 min | Lynchburg + |
Which City is Right for You?
Carmel leads in median household income at $134,602, while lynchburg offers more affordable housing with a median home price of $264,994. On public safety, Lynchburg is safer with a violent crime rate of 240 per 100,000 residents, compared to 370 in Carmel. Carmel has a lower unemployment rate at 2.7%, and Lynchburg has cleaner air (PM2.5 avg 8.2 µg/m³). For overall health outcomes, Carmel scores better with a lower obesity rate of 30.8%.
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