Carmel IN vs Topeka KS — 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%
Topeka, KS
Kansas · Population: 126,103
- Median HH Income$55,902
- Median Home Price$193,522
- Unemployment4.9%
- Bachelor's+29.1%
Detailed Comparison
Demographics
Population
Carmel
100,501
Topeka
126,103
Topeka +
Pop. Density / sq mi
Lower = more space
Carmel
N/A
Topeka
N/A
Median Age
Carmel
40.5
Topeka
38.2
Topeka +
Foreign Born
Carmel
12.9%
Carmel +
Topeka
5.3%
White
Carmel
77.5%
Carmel +
Topeka
71.0%
Black
Carmel
3.7%
Topeka
9.7%
Topeka +
Asian
Carmel
11.6%
Carmel +
Topeka
1.8%
Hispanic
Carmel
5.0%
Topeka
16.9%
Topeka +
Spanish at Home
Carmel
N/A
Topeka
N/A
| Metric | Carmel, IN | Topeka, KS | Better |
|---|---|---|---|
| Population | 100,501 | 126,103 | Topeka + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.5 | 38.2 | Topeka + |
| Foreign Born | 12.9% | 5.3% | Carmel + |
| White | 77.5% | 71.0% | Carmel + |
| Black | 3.7% | 9.7% | Topeka + |
| Asian | 11.6% | 1.8% | Carmel + |
| Hispanic | 5.0% | 16.9% | Topeka + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Carmel
$134,602
Carmel +
Topeka
$55,902
Per Capita Income
Carmel
$71,546
Carmel +
Topeka
$33,290
Per Capita Personal Income (MSA)
BEA MSA-level
Carmel
$58,697
Topeka
$61,860
Topeka +
Unemployment Rate
Carmel
2.7%
Carmel +
Topeka
4.9%
Poverty Rate
Carmel
3.7%
Carmel +
Topeka
15.6%
Bachelor's Degree+
Carmel
74.5%
Carmel +
Topeka
29.1%
| Metric | Carmel, IN | Topeka, KS | Better |
|---|---|---|---|
| Median HH Income | $134,602 | $55,902 | Carmel + |
| Per Capita Income | $71,546 | $33,290 | Carmel + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $61,860 | Topeka + |
| Unemployment Rate | 2.7% | 4.9% | Carmel + |
| Poverty Rate | 3.7% | 15.6% | Carmel + |
| Bachelor's Degree+ | 74.5% | 29.1% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Carmel
$570,592
Topeka
$193,522
Topeka +
Homeownership Rate
Carmel
74.6%
Carmel +
Topeka
59.2%
| Metric | Carmel, IN | Topeka, KS | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $570,592 | $193,522 | Topeka + |
| Homeownership Rate | 74.6% | 59.2% | Carmel + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Carmel
370
Carmel +
Topeka
449
Property Crime / 100K
FBI CDE (state-level est.)
Carmel
1719
Carmel +
Topeka
2174
| Metric | Carmel, IN | Topeka, KS | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 370 | 449 | Carmel + |
| Property Crime / 100KFBI CDE (state-level est.) | 1719 | 2174 | Carmel + |
Health
Obesity Rate
CDC PLACES
Carmel
30.8%
Carmel +
Topeka
39.7%
Diabetes Rate
CDC PLACES
Carmel
9.6%
Carmel +
Topeka
13.1%
Poor Mental Health
CDC PLACES — 14+ days/month
Carmel
12.5%
Carmel +
Topeka
16.8%
No Health Insurance
CDC PLACES
Carmel
4.4%
Carmel +
Topeka
11.4%
Binge Drinking
CDC PLACES
Carmel
16.2%
Topeka
14.5%
Topeka +
Current Smokers
CDC PLACES
Carmel
8.2%
Carmel +
Topeka
16.9%
| Metric | Carmel, IN | Topeka, KS | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.8% | 39.7% | Carmel + |
| Diabetes RateCDC PLACES | 9.6% | 13.1% | Carmel + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.5% | 16.8% | Carmel + |
| No Health InsuranceCDC PLACES | 4.4% | 11.4% | Carmel + |
| Binge DrinkingCDC PLACES | 16.2% | 14.5% | Topeka + |
| Current SmokersCDC PLACES | 8.2% | 16.9% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Carmel
51.6°F
Carmel +
Topeka
54.5°F
Annual Precipitation
NOAA 1991–2020 normal
Carmel
42.2 in
Topeka
39.0 in
Topeka +
| Metric | Carmel, IN | Topeka, KS | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.6°F | 54.5°F | Carmel + |
| Annual PrecipitationNOAA 1991–2020 normal | 42.2 in | 39.0 in | Topeka + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Carmel
10.1 µg/m³
Topeka
8.2 µg/m³
Topeka +
Good Air Days
AQI ≤ 50
Carmel
55.0%
Topeka
75.0%
Topeka +
| Metric | Carmel, IN | Topeka, KS | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 8.2 µg/m³ | Topeka + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Topeka + |
Commute
Mean Commute Time
Census ACS
Carmel
26.4 min
Topeka
18.3 min
Topeka +
| Metric | Carmel, IN | Topeka, KS | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.4 min | 18.3 min | Topeka + |
Which City is Right for You?
Carmel leads in median household income at $134,602, while topeka offers more affordable housing with a median home price of $193,522. On public safety, Carmel is safer with a violent crime rate of 370 per 100,000 residents, compared to 449 in Topeka. Carmel has a lower unemployment rate at 2.7%, and Topeka 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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