Warsaw, Indiana

Area Profile

16,768 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Warsaw, in Kosciusko County.

73out of 100
Area Score
Top 10% of 2,944 published profiles

How we calculate this

How this area ranks
OpportunityTop 36% of 3,904 published cities63
SchoolsTop 26% of 2,668 published cities71
GrowthTop 15% of 2,973 published cities71
Housing affordabilityTop 24% of 4,223 published cities93
Climate3381st of 4,223 published cities62
Physical resilienceTop 12% of 4,182 published cities89
Access3401st of 4,226 published cities78
Economic stability2998th of 4,226 published cities48
The quick read

Unemployment is 3.3% and median household income $61,035, putting employment conditions in the middle range of published city profiles.

Development activity is both elevated and accelerating — 157 housing units permitted over the past twelve months, up 362% on the prior year.

Natural-hazard exposure is lower than in most comparable published city profiles, placing Warsaw in the top 12% for physical resilience.

At a glance

Population
16,768
2024 ACS 5-Year
Median household income
$61,035
Bottom 41% nationally
Density
1,238/sq mi
13.5 sq mi of land
Median age
33.8
2024 ACS 5-Year
County
Kosciusko County
Indiana
Metro area
Warsaw, IN
Nearest major airport
SBN
40 mi · South Bend Intl
Median home value
$181,200
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 3.3% is lower than 89% of the 3,904 measured US cities.

Employment fell 0.2% over the past year, to 39,662 employed residents.

34% of adults hold a four-year degree, higher than 75% of measured US cities.

MetricValueCompared with peersSource period
Median household income ±$5,794$61,035Bottom 41%2024 ACS 5-Year
Per capita income ±$2,076$31,006Bottom 40%2024 ACS 5-Year
Poverty rate17.6%Top 29%2024 ACS 5-Year
Average commute17.9 minBottom 11%2024 ACS 5-Year
Bachelor's degree or higher33.7%Top 25%2024 ACS 5-Year
Employment39,662Bottom 44%June 2026
Employment change (3 years)-1.9%Bottom 21%June 2026
Employment change (year over year)-0.2%Top 33%June 2026
Labor force41,026Bottom 44%June 2026
Labor force participation63.7%Top 39%2024 ACS 5-Year
Unemployment change (year over year)-0.4%Bottom 21%June 2026
Unemployment rate3.3%Bottom 11%June 2026
Median household income, successive ACS releases
202120222023202461k55k
Each point is a separate five-year estimate, most recently $61,035 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Kosciusko County, IN, which contains this city.

48% of students met the state standard in mathematics and 49% in reading, across the schools here that reported results.

There are 13.4 students for every full-time teacher, fewer than in most measured places.

Public schools
8
2024-25 school year
Students per teacher
13.4
across all schools here
Math proficiency
48.4%
Top 32% in Indiana
Reading proficiency
49.0%
Top 30% in Indiana
SchoolDistrictStudentsPer teacherMathReading
Warsaw Community High SchoolWarsaw Community Schools2,07712.8
Lakeview Middle SchoolWarsaw Community Schools54513.032%42%
Washington Elementary SchoolWarsaw Community Schools50015.652%44%
Madison Elementary SchoolWarsaw Community Schools47514.455%44%
Eisenhower Elementary SchoolWarsaw Community Schools47414.860%62%
Edgewood Middle SchoolWarsaw Community Schools46912.037%57%
Lincoln Elementary SchoolWarsaw Community Schools45213.759%49%
Harrison Elementary SchoolWarsaw Community Schools41613.946%46%

48.6% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Indiana’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,066 takes 21% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.0 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
21.0%
Below the 30% cost-burdened threshold
Home price to income
3.0×
median home value ÷ median income
Median gross rent
$1,066
2024 ACS 5-Year
Median home value
$181,200
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.97Top 49%2024 ACS 5-Year
Homeownership rate49.3%Bottom 9%2024 ACS 5-Year
Housing units ±3717,633Top 8%2024 ACS 5-Year
Median gross rent ±$77$1,066Top 42%2024 ACS 5-Year
Median home value ±$15,784$181,200Bottom 48%2024 ACS 5-Year
Rent as a share of income21.0%Top 35%2024 ACS 5-Year
Vacancy rate7.1%Bottom 39%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
71/ 100
Top 15% of 2,973 published city profiles
Permitting is increasing — 2 consecutive years, measured from 2020 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 2% since 2020, reaching 16,111 in 2024.

62% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 9.4 permitted units per 1,000 residents, building activity is above the median for measured US cities.

Units permitted
157
12 months ending July 2026
Per 1,000 residents
9.4
Top 15% nationally
Year over year
+362%
vs the prior twelve months
Multifamily share
61.8%
units in 5+ unit buildings
Population, annual estimates
2020202120222023202416k16k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
20202021202220232024202514033
Annual totals from the Census Building Permits Survey. Permitting in 2025 was higher than 2020 (+30%).

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 83°F and January a low of 18°F.

Normal annual precipitation is 34.6 inches.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station GOSHEN MUNI AP, 19.6 miles from this location.
Precipitation
JFMAMJJASOND4.2"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation34.6"1991-2020 Normals
Average January low18°F1991-2020 Normals
Average July high83°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing48°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

89 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado, earthquake and heat wave.

TornadoHigh
LightningModerate
EarthquakeModerate
Heat waveModerate

Low or minimal exposure: strong wind, cold wave, inland flooding, drought, winter weather, hail, landslide, hurricane, ice storm, wildfire.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Kosciusko County records 2.4 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 13.6 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 10.1 per 100,000 residents in Kosciusko County.

Homicide
2.4
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
13.6
per 100,000 residents · under 10 deaths
Drug overdose
10.1
per 100,000 residents · under 10 deaths
Suicide
13.7
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Kosciusko County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Warsaw rather than Warsaw itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

3 major airports lie within 100 miles, the nearest 40 miles away.

AirportCodeDistanceLongest runway
South Bend IntlSBN40 mi8,412 ft
Battle Creek Exec At Kellogg FldBTL79 mi10,004 ft
Gary/Chicago IntlGYY85 mi8,859 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
73
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

ZIP codes in Warsaw

2 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
4658021,794$71,68775
4658214,604$66,73874