Indiana · GEOID 18103

Miami County

2024 ACS 5-year estimates · population 35,712 · 14,952 housing units

Median household income

$61,139

State $73,272

Median home value

$126,200

State $222,483

Median gross rent

$838

State $1,072

Homeownership rate

76.2%

State 70.6%

Renter cost-burden rate

40.3%

≥30% of income

Owner cost-burden rate

16.4%

≥30% of income

Homeowner vacancy

0.6%

Of owner-occupied + for-sale units

Rental vacancy

8.1%

Of renter-occupied + for-rent units

Overall vacancy

10.9%

All housing units

Price-to-income ratio

2.06

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Miami County	Indiana
Population	35,712	6,851,073
Population density (per sq. mi.)	95.53	—
Median household income	$61,139	$73,272
HUD Area Median Income (4-person, 100%)	$75,100	—
Households	13,318	—
Average household size	2.50 people	—
Owner-occupied	76.2%	70.6%
Renter-occupied	23.8%	29.4%
Race	88.2% White · 3.7% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Miami County compared with Indiana.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

16.1% hold a bachelor's degree or higher (state: 29.5%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	20.1%	$46,789	$1,170	$143,145
1 earner	33.6%	$54,278	$1,357	$171,022
2 earners	37.8%	$96,034	$2,401	$326,452
3+ earners	8.5%	$124,219	$3,105	$431,366

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

13,318

Average size: 2.50 people

Households with children

3,724

28.0% of households

Per-capita income

$30,463

Poverty rate: 14.5%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

76.2% owner-occupied vs. state average 70.6%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 80.4% · Missing middle (2–19 units) 7.5%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

71.9% built before 1980 · Median structure age 1,961.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $126,200.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $838.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 1,634 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 3.9% · For rent 17.1% · Seasonal 11.0% · Other 58.8%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

30.2% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 69.8% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

1.2%

180 units of 14,952 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

6.4%

961 units of 14,952 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$48,911

100% MHI$61,139

120% MHI$73,367

County-wide median from ACS 5-year estimates. A household at 100% MHI in Miami County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$47,500	$54,300	$67,850
100% AMI	$52,570	$60,080	$75,100
120% AMI	$63,100	$72,100	$90,100

HUD FMR Area: Miami County, IN. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

40.3% of renter households spend ≥30% of income on rent (18.8% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

16.4% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Miami County.

Covered employment

7,802

Across 18 sectors

Establishments

607

QCEW 2024

Avg annual pay (workforce)

$49,452

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 31-33 Manufacturing NAICS 31-33	1,484	$54,822	$173,047	+$46,847	$1,371
NAICS 92 Public administration NAICS 92	1,379	$62,067	$200,015	+$73,815	$1,552
NAICS 72 Accommodation and food services NAICS 72	864	$17,079	$32,554	−$93,646	$427
NAICS 44-45 Retail trade NAICS 44-45	842	$35,234	$100,133	−$26,067	$881
NAICS 61 Educational services NAICS 61	794	$41,123	$122,054	−$4,146	$1,028
NAICS 23 Construction NAICS 23	538	$77,862	$258,809	+$132,609	$1,947
NAICS 48-49 Transportation and warehousing NAICS 48-49	490	$53,901	$169,618	+$43,418	$1,348
NAICS 81 Other services (except public administration) NAICS 81	339	$25,582	$64,205	−$61,995	$640
NAICS 52 Finance and insurance NAICS 52	239	$59,254	$189,544	+$63,344	$1,481
NAICS 42 Wholesale trade NAICS 42	207	$76,025	$251,971	+$125,771	$1,901
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	155	$33,673	$94,323	−$31,877	$842
NAICS 54 Professional, scientific, and technical services NAICS 54	141	$62,036	$199,900	+$73,700	$1,551
NAICS 71 Arts, entertainment, and recreation NAICS 71	77	$45,676	$139,002	+$12,802	$1,142
NAICS 51 Information NAICS 51	65	$35,780	$102,166	−$24,034	$895
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	57	$85,218	$286,191	+$159,991	$2,130
NAICS 53 Real estate and rental and leasing NAICS 53	51	$33,557	$93,891	−$32,309	$839
NAICS 22 Utilities NAICS 22	47	$113,292	$390,692	+$264,492	$2,832
NAICS 62 Health care and social assistance NAICS 62	33	$97,888	$333,353	+$207,153	$2,447

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 611 Educational services NAICS 611	794	$41,123	$122,054	−$4,146	$1,028
NAICS 722 Food services and drinking places NAICS 722	787	$16,779	$31,438	−$94,762	$419
NAICS 623 Nursing and residential care facilities NAICS 623	511	$44,862	$135,972	+$9,772	$1,122
NAICS 928 National security and international affairs NAICS 928	453	$84,620	$283,965	+$157,765	$2,116
NAICS 922 Justice, public order, and safety activities NAICS 922	442	$58,021	$184,954	+$58,754	$1,451
NAICS 238 Specialty trade contractors NAICS 238	426	$84,926	$285,104	+$158,904	$2,123
NAICS 621 Ambulatory health care services NAICS 621	391	$64,494	$209,049	+$82,849	$1,612
NAICS 921 Executive, legislative, and other general government support NAICS 921	366	$45,240	$137,379	+$11,179	$1,131
NAICS 441 Motor vehicle and parts dealers NAICS 441	278	$48,385	$149,086	+$22,886	$1,210
NAICS 445 Food and beverage retailers NAICS 445	223	$29,694	$79,512	−$46,688	$742
NAICS 332 Fabricated metal product manufacturing NAICS 332	210	$47,289	$145,006	+$18,806	$1,182
NAICS 522 Credit intermediation and related activities NAICS 522	182	$60,247	$193,240	+$67,040	$1,506
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	168	$15,344	$26,096	−$100,104	$384
NAICS 484 Truck transportation NAICS 484	157	$61,701	$198,653	+$72,453	$1,543
NAICS 541 Professional, scientific, and technical services NAICS 541	141	$62,036	$199,900	+$73,700	$1,551
NAICS 423 Merchant wholesalers, durable goods NAICS 423	134	$83,325	$279,144	+$152,944	$2,083
NAICS 457 Gasoline stations and fuel dealers NAICS 457	122	$27,032	$69,603	−$56,597	$676
NAICS 811 Repair and maintenance NAICS 811	93	$43,988	$132,719	+$6,519	$1,100
NAICS 561 Administrative and support services NAICS 561	80	$45,699	$139,088	+$12,888	$1,142
NAICS 721 Accommodation NAICS 721	77	$20,146	$43,971	−$82,229	$504
NAICS 112 Animal production and aquaculture NAICS 112	70	$33,100	$92,190	−$34,010	$828
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	68	$35,856	$102,449	−$23,751	$896
NAICS 111 Crop production NAICS 111	62	$29,968	$80,532	−$45,668	$749
NAICS 212 Mining (except oil and gas) NAICS 212	57	$85,218	$286,191	+$159,991	$2,130
NAICS 323 Printing and related support activities NAICS 323	51	$30,205	$81,414	−$44,786	$755
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	48	$49,818	$154,420	+$28,220	$1,245
NAICS 221 Utilities NAICS 221	47	$113,292	$390,692	+$264,492	$2,832
NAICS 491 Postal service NAICS 491	44	$67,485	$220,183	+$93,983	$1,687
NAICS 926 Administration of economic programs NAICS 926	44	$52,825	$165,613	+$39,413	$1,321
NAICS 924 Administration of environmental quality programs NAICS 924	40	$24,854	$61,496	−$64,704	$621
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	39	$20,024	$43,517	−$82,683	$501
NAICS 456 Health and personal care retailers NAICS 456	39	$44,856	$135,950	+$9,750	$1,121
NAICS 485 Transit and ground passenger transportation NAICS 485	29	$27,718	$72,156	−$54,044	$693
NAICS 923 Administration of human resource programs NAICS 923	28	$51,704	$161,440	+$35,240	$1,293
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	20	$18,970	$39,593	−$86,607	$474
NAICS 519 Web search portals, libraries, archives, and other information services NAICS 519	17	$21,717	$49,819	−$76,381	$543
NAICS 925 Administration of housing programs, urban planning, and community development NAICS 925	8	$35,956	$102,821	−$23,379	$899

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	6,470	(350)	(5%)	$13.41	$27,900	$72,834	$698
Cashiers SOC 41-2011	5,400	720	15%	$13.64	$28,360	$74,546	$709
Childcare Workers SOC 39-9011	520	190	58%	$13.65	$28,390	$74,658	$710
Waiters and Waitresses SOC 35-3031	2,370	(440)	(16%)	$13.72	$28,540	$75,216	$714
Retail Salespersons SOC 41-2031	4,630	(650)	(12%)	$16.68	$34,700	$98,146	$868
Janitors and Cleaners SOC 37-2011	2,880	140	5%	$17.39	$36,160	$103,580	$904
Tellers SOC 43-3071	620	(560)	(47%)	$18.39	$38,250	$111,360	$956
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	2,430	(550)	(18%)	$18.78	$39,060	$114,375	$977
Office Clerks, General SOC 43-9061	3,890	(180)	(4%)	$20.79	$43,250	$129,972	$1,081
Construction Laborers SOC 47-2061	2,140	1,260	143%	$23.79	$49,490	$153,199	$1,237
Firefighters SOC 33-2011	530	(20)	(4%)	$25.04	$52,070	$162,803	$1,302
Maintenance and Repair Workers, General SOC 49-9071	3,200	170	6%	$25.86	$53,800	$169,242	$1,345
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	4,050	300	8%	$28.14	$58,530	$186,849	$1,463
Elementary School Teachers, Except Special Education SOC 25-2021	2,280	20	1%	—	$58,930	$188,338	$1,473
Paramedics SOC 29-2043 · prior-year code differs	280	(140)	(33%)	$28.44	$59,160	$189,194	$1,479
Carpenters SOC 47-2031	1,050	(110)	(9%)	$28.53	$59,330	$189,827	$1,483
Electricians SOC 47-2111	1,160	290	33%	$29.31	$60,970	$195,932	$1,524
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	620	320	107%	$29.78	$61,940	$199,542	$1,549
Police and Sheriff's Patrol Officers SOC 33-3051	920	120	15%	$31.15	$64,790	$210,151	$1,620
Registered Nurses SOC 29-1141	2,490	(280)	(10%)	$40.17	$83,550	$279,982	$2,089

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 18103 · pulled from Full Housing Data Table.xlsx.