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Cost of living, pay and housing

41.69° N · 86.32° W · GEOID 1802026

Ardmore

St. Joseph County, Indiana · part of the South Bend, IN metro

Limited data population under 5,000

IndianaArdmore, INArdmoreArdmore

The short answer

Ardmore is home to 1,810 people. Median household income is $47,069 a year and median rent is $1,081 a month, 27.6% of income (a ratio of two medians, not any one household's burden). Rent pressure is moderate. The median home is valued at $143,100, about 3.0x annual median household income.

Median gross rent
$1,081
21% below the median place
Median household income
$47,069
41% below the median place
Median home value
$143,100
55% below the median place
Unemployment
5.2%
7% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Ardmore

  • Owning with a mortgage costs about $12 a month less than the median rent, which is rarer than in 94% of the 2,469 places under 10,000 people we track. It is the 3rd-lowest of 132 Indiana places.
  • After the median rent, and with prices for everything else adjusted to the US average, the median household has about $35,300 a year left, less than in 94% of places its size.
  • The median rent takes 27.6% of the median household's income, a bigger share than in 91% of places its size.
  • Half the homes were built before 1954, older housing than in 90% of places its size.
  • The median home is valued at $143,100, less than in 86% of places its size.
01

Moving to Ardmore

St. Joseph County loses about 4.1 residents per 1,000 a year to moves between counties.

Moved in10,279
Moved out11,182
Net−903

Where people come from and where they go, top counties

Within Indiana, other states or abroad

Arrivals
Leavers
Within IndianaOther statesAbroad

Income per tax return

Arrivals$58K
Leavers$64K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of St. Joseph County; flows under 20 returns are not published.

Who moves here
5.8% of residents arrived from another county in the past year, 0.0% from another state. County figure.
Who arrives and who leaves
Households moving into St. Joseph County report $57,800 a year in income on average; those leaving, $63,800, so leavers earn more than newcomers.
Income you would need
$43,200 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,081 a month; owners with a mortgage pay $1,069 a month including taxes and insurance, on a median home of $143,100.
Getting to work
18 minutes each way on average; 10.7% work from home.
If it is close but not quite
Bennington, VT matches it on character. Compare the two
Moved from another state1
0.0%
below the median place (median 2.0%)
Income of households moving in7
$57,760
18% below the median place
Net movers per 1,000 people7
-4.1
below the median place (median -0.6)
All 5 moving measures
MeasureArdmoreAmong 6,645 placesVs median
Moved here in the past year1County figure5.8%0% above
Moved from another state10.0%below (median 2.0%)
Net movers per 1,000 people7County figure-4.1below (median -0.6)
Income of households moving in7County figure$57,76018% below
Income of households moving out7County figure$63,7999% below
02

What it costs to live here

Owner costs with a mortgage is $1,069, 43% below the median place.

Ardmore27.6%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$43,240
a year, at the 30% line
Rent to income
27.6%
35% above the median place
Home price to income
3.0x
20% below the median place

Could you afford it?

The median rent would take
28%
just under the 30% line
Left after rent, in US prices
$35,200
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Ardmore, $1,081 a month, and local prices for everything else (96.6 against a US average of 100). It runs in your browser and stores nothing.

Like Ardmore, but easier on the budget

Close matches on income, rent, home value, education and age, where rent takes a clearly smaller share of income.

PlaceRent to incomeMore left a year
St. Johnsbury, VT20.4% vs 27.6%n/aCompare
Horseheads, NY23.1% vs 27.6%$12,700Compare
Utica, MI23.1% vs 27.6%$9,200Compare

Moving from somewhere else? Work out the salary you would need in Ardmore.

Sponsored · exampleMoving to Ardmore? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Owner costs with a mortgage1
$1,069
43% below the median place
Property tax paid (median)1
$1,091
67% below the median place
Median year built1
1954
1% below the median place
All 16 cost and housing measures
MeasureArdmoreAmong 6,645 placesVs median
Median gross rent1$1,08121% below
Rent to income127.6%35% above
Property tax rate10.8%16% below
Home price to income13.0x20% below
Prices vs US average2Metro figure92.98% below
Fair market rent, 2 bedrooms3County figure$1,27621% below
HUD area median income4County figure$88,10018% below
Property tax paid (median)1$1,09167% below
Median home value1$143,10055% below
Home prices, 1-year change5County figure3.8%20% above
Home prices, 5-year change5County figure59.0%15% above
Homeownership182.4%24% above
Renters paying 30%+1County figure49.1%3% below
Owner costs with a mortgage1$1,06943% below
Vacant homes1County figure9.6%35% above
Median year built119541% below
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Median household income1
$47,069
41% below the median place
Mean commute1
18 min
29% below the median place
All 10 work and pay measures
MeasureArdmoreAmong 6,645 placesVs median
Median household income1$47,06941% below
Income per person1$28,06830% below
Unemployment1County figure5.2%7% above
Average annual pay6County figure$62,0976% below
Pay growth, 1 year6County figure4.7%27% above
Jobs6County figure121,91719% below
Poverty rate114.6%35% above
Mean commute118 min29% below
Works from home1County figure10.7%14% below
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

High school or higher is 81.2%, 12% below the median place.

High school or higher1
81.2%
12% below the median place
Household size1
2.2
12% below the median place
Median age1
43.5
12% above the median place
All 8 people measures
MeasureArdmoreAmong 6,645 placesVs median
Population11,8106646th largest
Median age143.512% above
Bachelor's or higher1County figure33.5%5% above
High school or higher181.2%12% below
Household size12.212% below
Born abroad1County figure6.8%22% below
No health insurance18.7%36% above
Homes with broadband188.1%5% below
05

Life in Ardmore

101 sites are on the National Register of Historic Places, one of them a National Historic Landmark.

Out the door, against the typical place

Parks per 10k residents0.0 −100%
Playgrounds per 10k0.0 −100%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k11.1 −1%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

Businesses per 10,000 residents (county figures)

Restaurants and bars20.8 +0%
Shops32.2 +6%
Arts, recreation and fitness2.7 −34%
Doctors' offices and clinics17.3 −14%
Child care centers2.3 +0%

Counts businesses with paid staff, so small owner-run shops are not included.

Arts, recreation and fitness per 10k8
2.7
34% below the median place
Public schools11
71
above the median place (median 9)
Public school students11
35,554
above the median place (median 4,897)
All 16 schools and local life measures
MeasureArdmoreAmong 6,645 placesVs median
Public schools11County figure71above (median 9)
Public school students11County figure35,554above (median 4,897)
Students per teacher11County figure14.93% below
Restaurants and bars per 10k8County figure20.80% above
Shops per 10k8County figure32.26% above
Arts, recreation and fitness per 10k8County figure2.734% below
Doctors' offices and clinics per 10k8County figure17.314% below
Child care centers per 10k8County figure2.30% above
Parks per 10k90.0below (median 10.2)
Playgrounds per 10k90.0below (median 9.4)
Grocery stores per 10k90.0below (median 2.1)
Restaurants, cafes and bars per 10k911.11% below
Libraries per 10k90.0below (median 0.9)
Named paths and bike trails90.0below (median 2.0)
Transit stops per sq mi90.0below (median 0.2)
National Register listings10County figure101above (median 13)
06

Safety, weather and risk

Wildfire risk is 22.2, 64% below the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Ardmore. Larger places are fetched first.

Wildfire risk13
22.2
64% below the median place
January average low12
17°F
33% below the median place
Average temperature12
50°F
10% below the median place
All 11 weather and risk measures
MeasureArdmoreAmong 6,645 placesVs median
July average high12County figure83°F4% below
January average low12County figure17°F33% below
Average temperature12County figure50°F10% below
Annual precipitation12County figure39.9 in9% below
Natural hazard risk13County figure85.87% below
Hurricane risk13County figure43.538% below
Tornado risk13County figure90.511% above
Wildfire risk13County figure22.264% below
Heat wave risk13County figure79.212% below
Median air quality index14County figure430% above
Good air days14County figure66.0%4% below
08

Ardmore in 2030: where the trends point

If recent trends hold, the median rent will take about 28% of the median income in 2030, about the same as 28% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,081/mo (2024)$1,390/mo$1,140 to $1,690/mo+4.2%
Median household income$47,069 (2024)$59,500$50,500 to $70,500+4.0%
Median home value$143,100 (2024)$237,000$172,000 to $326,000+8.8%

The median home would be worth 4.0 years of the median income in 2030, against 3.0 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Ardmore

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Bennington, VT$1,115$54,257Compare
St. Johnsbury, VT$912$53,711Compare
Augusta, ME$919$47,979Compare
Dunbar, WV$935$58,379Compare
Dunbar, WVAugusta, MESt. Johnsbury, VTBennington, VTArdmore, INArdmoreBenningtonSt. JohnsburyAugustaDunbarArdmoreBenningtonSt. JohnsburyDunbar

Common questions

Is Ardmore a good place to live?

It depends on what you need, so here is what the numbers say. Owning with a mortgage costs about $12 a month less than the median rent, which is rarer than in 94% of the 2,469 places under 10,000 people we track. It is the 3rd-lowest of 132 Indiana places. After the median rent, and with prices for everything else adjusted to the US average, the median household has about $35,300 a year left, less than in 94% of places its size. On cost, space and class size it scores 36 out of 100 for families. See how it ranks with your own weights.

Is Ardmore expensive to live in?

The median rent takes 27.6% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $143,100.

What salary do you need to live in Ardmore?

To rent the median home without spending more than 30% of income on rent, a household needs about $43,240 a year. Work it out from your current city.

What places are similar to Ardmore?

On income, rent, home value, education and age, the closest matches are Bennington, VT, St. Johnsbury, VT, Augusta, ME and Dunbar, WV.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  11. Common Core of Data · National Center for Education Statistics · 2024 release
  12. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  13. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  14. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Ardmore with places of a similar size, using only figures measured for Ardmore itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/ardmore-indiana

Citytistics. “Ardmore, Indiana.” Data as of 2026-11-14. https://www.citytistics.com/city/ardmore-indiana/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.