1st Advantage MortgageThe median Carroll County household earns $65,645, and 9% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Indiana before sharing details.
On this page
- Who lives in Carroll County
- Household income in Carroll County
- Housing costs in Carroll County
- How Carroll County residents earn a living
- Carroll County next to its neighbors
- Towns and communities in Carroll County
- Room for a loan payment in Carroll County
- People and households in Carroll County
- Borrowing situations common in Carroll County
- Steps before you apply in Carroll County
- Who licenses lenders for Carroll County residents
- Related local guides
- Frequently asked questions
Who lives in Carroll County
Roughly 20,535 residents live in Carroll County, Indiana, 70th by population among the state's 92 counties and county equivalents. Land area is 372 square miles (2024 Gazetteer), so density runs near 55 per square mile. The federal metro definitions (OMB, July 2023) place it in the Lafayette-West Lafayette, IN metropolitan area. Of the 9 Census places inside Carroll County, Delphi leads by population with about 2,927; 5 of the 9 are incorporated.
Household income in Carroll County
At $65,645, the typical Carroll County household income sits near the median U.S. county ($65,681).
| Household income | Carroll County | vs Indiana |
|---|---|---|
| Under $35,000 | 21.7% | -0.8 pts |
| $35,000 to $99,999 | 48.8% | +5.4 pts |
| $100,000 to $199,999 | 24.3% | -1.5 pts |
| $200,000 or more | 5.2% | -3.0 pts |
About 22% of households earn under $35,000, while 29% clear $100,000. The poverty rate is 8.8%, 4 points lower than the state's 12.3%. Income inequality, measured by the Gini index, comes to 0.415 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Housing costs in Carroll County
Median gross rent, utilities included, comes to $890 in Carroll County versus $1,062 statewide. Rent takes 30% or more of income for 28% of renter households here. The median owner-occupied home is valued at $180,900, about 2.8 times the median household income. The ownership rate is 82%. Half the housing stock was built before 1966.
| Measure | Carroll County | Indiana | Median U.S. county |
|---|---|---|---|
| Median gross rent | $890/mo | $1,062/mo | $877/mo |
| Median home value | $180,900 | $218,200 | $185,300 |
| Owners | 82% | 71% | 75% |
| Rent-burdened renters | 28% | 48% | 45% |
| Burdened owners | 17% | 20% | n/a |
| Vacant units | 15% | 9% | n/a |
Because most Carroll County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
How Carroll County residents earn a living
Education and health care employs 24% of working residents, the largest share; manufacturing is next with 22%. Manufacturing stands out: 22% of workers here, versus 18% statewide. ACS puts five-year average unemployment at 3.1% in Carroll County. 12% of commuters travel 45 minutes or more each way, and 6% work from home. 4.6% of households have no vehicle.
| Industry | Share of Carroll County workers | vs Indiana |
|---|---|---|
| Education and health care | 23.8% | +0.4 pts |
| Manufacturing | 22.4% | +4.4 pts |
| Construction | 9.7% | +3.1 pts |
| Retail trade | 7.7% | -3.0 pts |
| Professional and administrative services | 6.8% | -2.5 pts |
| Arts, lodging and food service | 5.7% | -2.1 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Carroll County next to its neighbors
The six counties whose centers lie closest to Carroll County's, from 16 to 30 miles away. White County leads the group on income ($67,303), Cass County trails ($56,403), and Carroll County out-earns 5 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Carroll County | - | $65,645 | $890/mo | 82% |
| Cass County, IN | 16 mi | $56,403 | $783/mo | 74% |
| White County, IN | 19 mi | $67,303 | $901/mo | 81% |
| Clinton County, IN | 20 mi | $65,019 | $920/mo | 74% |
| Tippecanoe County, IN | 22 mi | $60,636 | $1,124/mo | 53% |
| Howard County, IN | 25 mi | $64,027 | $937/mo | 71% |
| Miami County, IN | 30 mi | $61,139 | $838/mo | 76% |
Towns and communities in Carroll County
9 Census places fall mainly inside Carroll County; the 9 biggest are below. They account for 6,986 residents, leaving about 66% of the county in unincorporated, unnamed areas. Incomes vary by place: $75,833 at the median in Burlington, $51,429 in Flora. Rent is cheapest in Camden ($392) and steepest in Delphi ($933). Live in one of these Carroll County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Delphi | city | 2,927 | $59,972 | $933 | 5 mi |
| Flora | town | 2,114 | $51,429 | $787 | 4 mi |
| Camden | town | 585 | $53,000 | $392 | 2 mi |
| Burlington | town | 562 | $75,833 | $921 | 11 mi |
| Yeoman | town | 235 | $49,861 | $556 | 10 mi |
| Deer Creek | CDP | 183 | $60,625 | n/a | 9 mi |
| Rockfield | CDP | 144 | n/a | n/a | 4 mi |
| Burrows | CDP | 138 | $70,500 | n/a | 7 mi |
| Bringhurst | CDP | 98 | n/a | n/a | 5 mi |
Room for a loan payment in Carroll County
Carroll County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Carroll County: $5,470
- Less median rent of $890, which is 16% of it
- $1,298: what a 40% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
People and households in Carroll County
College graduates make up 17% of the adult population. 12.2% of residents have no health coverage.
| Residents | Carroll County | Indiana | Middle U.S. county |
|---|---|---|---|
| Median age | 43.2 | 38.1 | 41.5 |
| Bachelor's or higher | 17.2% | 29.5% | 22.2% |
| No high school diploma | 10.4% | 9.6% | n/a |
| No health insurance | 12.2% | 7.4% | 7.8% |
| No vehicle | 4.6% | 6.2% | 5.4% |
| Work from home | 6.2% | 10.7% | 8.7% |
| Poverty rate | 8.8% | 12.3% | 13.2% |
| Unemployment (ACS) | 3.1% | 4.3% | 4.4% |
| Minutes to work | Carroll County workers |
|---|---|
| Under 15 min | 24.2% |
| 15 to 29 min | 35.9% |
| 30 to 44 min | 28.0% |
| 45 to 59 min | 7.4% |
| 60+ min | 4.5% |
Borrowing situations common in Carroll County
Where the Carroll County numbers stand out, and why it matters for a loan:
- Uninsured care. 12% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Steps before you apply in Carroll County
Before you apply, wherever you live in Carroll County:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- A Indiana license check takes minutes; do it first.
- Read the final agreement; it must match the offer.
Who licenses lenders for Carroll County residents
No county office licenses personal lenders. For Carroll County, check the Indiana Department of Financial Institutions. Federal complaints: consumerfinance.gov. The Indiana guide covers state rules in more detail.
Related local guides
For statewide rules and data, see the Indiana guide.
Frequently asked questions
How much do households in Carroll County earn?
The median is $65,645; 29% earn $100,000 or more and 22% under $35,000. A lender uses your own documented income, not this figure.
Is Carroll County expensive for renters?
Median rent is $890 against $1,062 statewide, and 28% of renter households are cost-burdened.
I live in a small Carroll County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Delphi, Flora, Camden, Burlington, Yeoman and 4 more.
Are Carroll County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Where can someone in Carroll County check a lender's license?
With the Indiana Department of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.