Carmel IN vs Spokane WA — 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%
Spokane, WA
Washington · Population: 229,228
- Median HH Income$65,745
- Median Home Price$400,636
- Unemployment6.0%
- Bachelor's+32.6%
Detailed Comparison
Demographics
Population
Carmel
100,501
Spokane
229,228
Spokane +
Pop. Density / sq mi
Lower = more space
Carmel
N/A
Spokane
N/A
Median Age
Carmel
40.5
Spokane
37.2
Spokane +
Foreign Born
Carmel
12.9%
Carmel +
Spokane
6.1%
White
Carmel
77.5%
Spokane
81.0%
Spokane +
Black
Carmel
3.7%
Carmel +
Spokane
2.7%
Asian
Carmel
11.6%
Carmel +
Spokane
2.9%
Hispanic
Carmel
5.0%
Spokane
7.8%
Spokane +
Spanish at Home
Carmel
N/A
Spokane
N/A
| Metric | Carmel, IN | Spokane, WA | Better |
|---|---|---|---|
| Population | 100,501 | 229,228 | Spokane + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.5 | 37.2 | Spokane + |
| Foreign Born | 12.9% | 6.1% | Carmel + |
| White | 77.5% | 81.0% | Spokane + |
| Black | 3.7% | 2.7% | Carmel + |
| Asian | 11.6% | 2.9% | Carmel + |
| Hispanic | 5.0% | 7.8% | Spokane + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Carmel
$134,602
Carmel +
Spokane
$65,745
Per Capita Income
Carmel
$71,546
Carmel +
Spokane
$38,200
Per Capita Personal Income (MSA)
BEA MSA-level
Carmel
$58,697
Spokane
$76,120
Spokane +
Unemployment Rate
Carmel
2.7%
Carmel +
Spokane
6.0%
Poverty Rate
Carmel
3.7%
Carmel +
Spokane
14.6%
Bachelor's Degree+
Carmel
74.5%
Carmel +
Spokane
32.6%
| Metric | Carmel, IN | Spokane, WA | Better |
|---|---|---|---|
| Median HH Income | $134,602 | $65,745 | Carmel + |
| Per Capita Income | $71,546 | $38,200 | Carmel + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $76,120 | Spokane + |
| Unemployment Rate | 2.7% | 6.0% | Carmel + |
| Poverty Rate | 3.7% | 14.6% | Carmel + |
| Bachelor's Degree+ | 74.5% | 32.6% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Carmel
$570,592
Spokane
$400,636
Spokane +
Homeownership Rate
Carmel
74.6%
Carmel +
Spokane
58.3%
| Metric | Carmel, IN | Spokane, WA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $570,592 | $400,636 | Spokane + |
| Homeownership Rate | 74.6% | 58.3% | Carmel + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Carmel
370
Carmel +
Spokane
383
Property Crime / 100K
FBI CDE (state-level est.)
Carmel
1719
Carmel +
Spokane
3409
| Metric | Carmel, IN | Spokane, WA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 370 | 383 | Carmel + |
| Property Crime / 100KFBI CDE (state-level est.) | 1719 | 3409 | Carmel + |
Health
Obesity Rate
CDC PLACES
Carmel
30.8%
Carmel +
Spokane
35.3%
Diabetes Rate
CDC PLACES
Carmel
9.6%
Carmel +
Spokane
10.3%
Poor Mental Health
CDC PLACES — 14+ days/month
Carmel
12.5%
Carmel +
Spokane
18.6%
No Health Insurance
CDC PLACES
Carmel
4.4%
Carmel +
Spokane
8.2%
Binge Drinking
CDC PLACES
Carmel
16.2%
Carmel +
Spokane
17.5%
Current Smokers
CDC PLACES
Carmel
8.2%
Carmel +
Spokane
12.7%
| Metric | Carmel, IN | Spokane, WA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.8% | 35.3% | Carmel + |
| Diabetes RateCDC PLACES | 9.6% | 10.3% | Carmel + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.5% | 18.6% | Carmel + |
| No Health InsuranceCDC PLACES | 4.4% | 8.2% | Carmel + |
| Binge DrinkingCDC PLACES | 16.2% | 17.5% | Carmel + |
| Current SmokersCDC PLACES | 8.2% | 12.7% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Carmel
51.6°F
Spokane
46.1°F
Spokane +
Annual Precipitation
NOAA 1991–2020 normal
Carmel
42.2 in
Spokane
17.1 in
Spokane +
| Metric | Carmel, IN | Spokane, WA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.6°F | 46.1°F | Spokane + |
| Annual PrecipitationNOAA 1991–2020 normal | 42.2 in | 17.1 in | Spokane + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Carmel
10.1 µg/m³
Spokane
7.5 µg/m³
Spokane +
Good Air Days
AQI ≤ 50
Carmel
55.0%
Spokane
75.0%
Spokane +
| Metric | Carmel, IN | Spokane, WA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 7.5 µg/m³ | Spokane + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Spokane + |
Commute
Mean Commute Time
Census ACS
Carmel
26.4 min
Spokane
22.6 min
Spokane +
| Metric | Carmel, IN | Spokane, WA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.4 min | 22.6 min | Spokane + |
Which City is Right for You?
Carmel leads in median household income at $134,602, while spokane offers more affordable housing with a median home price of $400,636. On public safety, Carmel is safer with a violent crime rate of 370 per 100,000 residents, compared to 383 in Spokane. Carmel has a lower unemployment rate at 2.7%, and Spokane has cleaner air (PM2.5 avg 7.5 µg/m³). For overall health outcomes, Carmel scores better with a lower obesity rate of 30.8%.
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