countyscore
36.6
County Score
Lawn Care 73.5Soil Quality 64.1Weather & Climate 56.5

County Report Card

About Elkhart County, Indiana

An Industrial Powerhouse Facing Challenges

Elkhart County's composite score of 36.6 sits below the national median of 50.0. Despite its manufacturing reputation, the data suggests significant room for improvement in overall livability.

Trailing the State Average

At 36.6, Elkhart falls significantly behind the Indiana average composite score of 55.9. This gap highlights a need for investment in community safety and infrastructure to keep pace with the rest of the state.

Reliable Water and Steady Incomes

The county maintains a respectable water score of 56.4 and an income score of 56.2. A median household income of $65,617 provides a stable foundation for the local workforce.

Safety and Risk Resilience

Elkhart faces low scores in environmental risk at 16.3 and safety at 24.3. Additionally, a cost score of 29.8 reflects higher housing expenses relative to local wages, with median rent exceeding $1,000.

Best for Career-Focused Workers

This county is most suitable for those moving for specific industrial jobs who are comfortable navigating a higher-risk environment. It is an area defined by its work ethic rather than its recreational or safety metrics.

Score breakdown

Tax51.7Cost29.8Safety24.3Health42Schools32.4Income56.2Risk16.3Water56.4Weather56.5
🏛51.7
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠29.8
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼56.2
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡24.3
Safety
Violent and property crime rates per 100K residents
CrimeByCounty →
❤42
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓32.4
Schools
Graduation rates, per-pupil spending, and attainment
SchoolsByCounty →
⚡16.3
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty →
💧56.4
Water Quality
EPA drinking water health violations and safety grades
WaterByCounty →
🌤56.5
Weather & Climate
Average temperatures, precipitation, and extreme weather events
WeatherByCounty →
🪨64.1
Soil Quality
Soil composition, pH, drainage, and organic matter content
SoilByCounty →
🌱73.5
Lawn Care
Lawn difficulty score based on climate, soil, and grass suitability
LawnByCounty →
🛒
Farmers Markets
Local market density, SNAP/EBT acceptance, and product variety
MarketsByCounty →
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Nearby counties

Cass County
Michigan
41.1
St. Joseph County
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38.4
LaGrange County
Indiana
58
Noble County
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Kosciusko County
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St. Joseph County
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Marshall County
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Whitley County
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Deep Dives

Elkhart County across the ByCounty Network

Detailed analysis from 10 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Elkhart County

via TaxByCounty

Elkhart among the higher-taxed U.S. counties

Elkhart County's 0.819% effective tax rate edges above the national median of 0.84%, placing it in the upper 45% of U.S. counties by rate. However, the median property tax of $1,592 remains well below the national median of $2,690.

Elkhart's rate ranks highest in Indiana

At 0.819%, Elkhart County has the highest effective tax rate among all counties profiled, significantly exceeding Indiana's 0.671% state average. The median property tax of $1,592 is the highest statewide, reflecting both the rate and Elkhart's healthy median home values of $194,400.

Elkhart stands out as the highest-taxed area

Elkhart County's 0.819% rate substantially exceeds neighboring DeKalb (0.628%), Dubois (0.650%), and Fountain (0.616%) counties. At $1,592 in median annual taxes, Elkhart homeowners pay significantly more than any nearby county, reflecting its robust local services and infrastructure.

What a typical Elkhart homeowner pays

The median home in Elkhart County is valued at $194,400, resulting in an estimated annual property tax of around $1,592. Homeowners with mortgages pay slightly more ($1,631) than those without ($1,502).

Higher rates make appeals even more valuable

With Elkhart's highest county rate in the state, a successful property assessment appeal could save homeowners hundreds of dollars annually. Contact your local assessor's office to request a review if you believe your home's value has been overstated.

Full property tax analysis on TaxByCounty

Cost of Living in Elkhart County

via CostByCounty

Elkhart rents strain household budgets

Elkhart County renters spend 18.7% of their income on rent, among the highest ratios in the nation and well above comfortable affordability thresholds. This northern Indiana county's tight rental market puts housing pressure on even mid-income households.

One of Indiana's toughest rental markets

Elkhart's 18.7% rent-to-income ratio exceeds the state average of 15.6%, ranking it among Indiana's least affordable counties for renters. The county faces genuine affordability challenges compared to most statewide peers.

Highest rents in the region

Elkhart's median rent of $1,023 tops nearby counties and significantly exceeds the state average of $883, making it the region's priciest rental market. Incomes here lag behind the rent premium, creating an affordability gap.

Nearly one-fifth of income goes to rent

Renters pay $1,023 monthly against a median income of $65,617, consuming nearly 19% of gross earnings for rent alone. Homeowners pay $967 monthly, meaning both renter and owner-occupied households feel significant housing cost pressure.

Compare carefully before choosing Elkhart

Elkhart's 18.7% rent-to-income ratio signals a tight housing market where your paycheck stretches less far than in neighboring counties. Explore adjacent areas before committing to this costlier market.

Full cost of living analysis on CostByCounty

Income & Jobs in Elkhart County

via IncomeByCounty

Elkhart income trails U.S. benchmark

Elkhart County households earn $65,617 annually, roughly $9,100 below the national median of $74,755, placing the county in the lower-middle income category. While not impoverished, Elkhart faces a meaningful earnings gap compared to national norms.

Below Indiana's state income average

At $65,617, Elkhart County falls short of Indiana's state average of $68,681 by about 4.5%, ranking it in the lower half of the state's counties. This below-average position reflects economic pressures specific to the region.

Among the lower-earning measured counties

Elkhart ($65,617) earns less than all higher-performing neighbors like Dubois ($71,918), DeKalb ($70,080), Floyd ($78,179), and Franklin ($79,702), but slightly outpaces Fountain County ($62,526). The county occupies a middle tier in the regional income hierarchy.

Housing costs rising in Elkhart

Elkhart's rent-to-income ratio of 18.7% means residents spend roughly $1,023 monthly on housing—approaching affordability stress thresholds. The median home value of $194,400 relative to median income suggests households are stretched financially.

Strategic savings matter in Elkhart

Given tighter margins, Elkhart households should automate savings through payroll deductions and seek employer retirement matches immediately. Even small, consistent contributions to a 401(k) or IRA can build meaningful wealth over time.

Full income & jobs analysis on IncomeByCounty

Safety in Elkhart County

via CrimeByCounty

Elkhart County safety remains below national averages

Elkhart County reports a crime rate of 1,889.9 per 100,000, which is lower than the U.S. average of 2,385.5. The county earns a safety score of 97.0 based on 2022 data.

Challenging the Indiana state safety average

With a safety score of 97.0, Elkhart falls behind the Indiana state average of 98.9. Data from five reporting agencies shows a higher volume of incidents compared to many other Indiana counties.

Higher local crime than state peers

The total crime rate of 1,889.9 is nearly triple the Indiana state average of 693.8. This suggests that residents experience more frequent crime than those in neighboring rural areas.

Violent crime exceeds the national average

The county's violent crime rate of 385.8 per 100,000 slightly exceeds the national average of 369.8. Property crime remains the most frequent issue at 1,504.1 per 100,000 residents.

Take proactive steps for home safety

With property crime as a major factor, installing smart locks and outdoor lighting is recommended. These simple upgrades can significantly reduce the risk of becoming a victim of theft.

Full safety analysis on CrimeByCounty

Health in Elkhart County

via HealthByCounty

Elkhart matches national health trends

At 76.2 years, Elkhart's life expectancy slightly outpaces the U.S. average of 74.8 years. However, 20.6% report poor or fair health—above the national average of 17%—suggesting that despite decent longevity, many residents face daily health struggles.

Above average on lifespan, below on wellness

Elkhart's 76.2-year life expectancy ranks above Indiana's 75.1-year state average, but its 20.6% poor/fair health rate significantly exceeds the state benchmark. The disconnect suggests residents live longer but experience more chronic conditions during those extra years.

Healthy lifespan, concerning wellness gap

Elkhart's 76.2-year life expectancy matches Dubois (77.8) and DeKalb (75.8) in the region, but its 20.6% poor/fair health rate is notably higher. This signals a population managing chronic illness despite reasonable longevity.

Insurance gap undermines access

Elkhart has 49 primary care providers and 179 mental health providers per 100,000 residents, moderate access for the region. However, at 12.8% uninsured, Elkhart has the highest uninsured rate among its peer counties—significantly above Indiana's 8.4% average—leaving thousands vulnerable.

Close Elkhart's coverage gap now

With 12.8% of Elkhart residents uninsured—52% above the state average—many families face catastrophic medical debt from unexpected illness. Head to healthcare.gov today or contact a local navigator to find an affordable plan and protect your family's health and finances.

Full health analysis on HealthByCounty

Schools in Elkhart County

via SchoolsByCounty

Elkhart's Massive Educational Infrastructure

Elkhart County manages a massive system of 58 public schools serving 34,251 students. Eight districts oversee this network, which includes 37 elementary schools and nine high schools to accommodate the growing population.

Competitive Performance in a Large System

The county maintains a 91% graduation rate, beating the national average of 87%. Local districts spend $5,633 per pupil, a figure that sits just above the Indiana state average of $5,507.

Spotlighting Elkhart Community Schools

Elkhart Community Schools is the dominant district, managing 20 schools and 11,318 students. Charter schools are rare here, with only one campus serving less than 2% of the total student population.

A Diverse Mix of Urban and Suburban Schools

Students experience a variety of settings, from 25 city schools to 16 suburban campuses. Enrollment sizes are larger than average at 601 students, headlined by the massive Elkhart High School which serves 3,325 students.

Secure Your Future in Elkhart County

Families seeking diverse educational environments and robust school districts will find many options in Elkhart. High-capacity schools and stable graduation rates make this county a smart choice for home buyers.

Full schools analysis on SchoolsByCounty

Disaster Risk in Elkhart County

via RiskByCounty

Elkhart Among Indiana's Highest-Risk Counties

Elkhart County's composite risk score of 83.75 places it in the Relatively Moderate category, nearly double Indiana's average of 45.52. This northern county ranks among the state's most hazard-prone regions by all-hazards risk measure.

Top-Tier Risk Across the State

Elkhart ranks among Indiana's highest-risk counties overall, with few peers scoring comparably on composite disaster threat. The county's elevated profile warrants serious preparedness planning for residents and businesses.

The Riskiest in Its Area

Elkhart's 83.75 score significantly exceeds nearby DeKalb (41.32), Franklin (34.22), and Fayette (33.49) counties, making it a clear outlier in northern Indiana. Only Delaware County (76.34) approaches Elkhart's risk level in the region.

Tornadoes and Floods Dominate Threats

Tornado risk peaks at 90.65, and flood risk at 84.10 means Elkhart residents face compounded exposure during severe weather events. Wildfire risk at 32.89 and hurricane risk at 47.10 create additional concerns for emergency preparedness.

Layered Insurance and Active Prep Essential

Elkhart homeowners need robust wind and tornado protection plus a reinforced safe room, combined with flood insurance on all vulnerable properties. Regular emergency drills and a family disaster plan are vital given the county's elevated multi-hazard exposure.

Full disaster risk analysis on RiskByCounty

Weather & Climate in Elkhart County

via WeatherByCounty

Cooler Temperatures and Heavy Northern Snows

Elkhart County averages 50.2°F annually, which is over three degrees cooler than the national median temperature. This humid continental climate is defined by its significant seasonal swings and substantial winter accumulation.

One of Indiana's Coldest Northern Counties

At 50.2°F, Elkhart sits well below the state average of 52.2°F, representing the cooler northern tier of Indiana. Its 38.2 inches of annual precipitation is also lower than the statewide average of 43.9 inches.

Snow Capital Compared to Central Neighbors

Elkhart receives a massive 41.0 inches of snow annually, nearly double the 23.3 inches seen in Fountain County to the southwest. While summer temperatures are similar to nearby Fulton County, the winter chill is much more pronounced here.

Mild Summers Followed by Harsh Snow Seasons

July remains comfortable with an average of 72.9°F and only 12 days of extreme heat above 90°F. However, winter brings a sharp drop to a 27.6°F average, accompanied by heavy lake-effect snow totals.

Winter Preparedness is the Top Priority

Residents must invest in high-quality snow removal equipment and winter tires to navigate the 41 inches of annual snowfall. Summer energy bills remain lower than in southern Indiana thanks to the limited number of extreme heat days.

Full weather & climate analysis on WeatherByCounty

Soil Quality in Elkhart County

via SoilByCounty

Highly Acidic Soils of the North

Elkhart County features some of the state's most acidic soil with a pH of 5.55, significantly lower than the 6.08 Indiana average. This unique chemistry contributes to a soil score of 64.1. Large-scale growers often monitor these levels closely to ensure nutrient availability for crops.

Sand-Heavy and Easy to Work

The soil composition is dominated by sand at 51.3%, with 25.4% silt and only 10.8% clay. This sandy profile allows for excellent workability and quick warming in the spring. However, the lack of clay means the soil can lose moisture and nutrients rapidly.

Record-Breaking Organic Matter

Elkhart boasts a massive 11.04% organic matter content, more than double the Indiana average of 4.90%. This indicates the presence of rich muck soils that are highly productive. Despite the low water capacity of 0.183 in/in, the organic richness provides a unique growing advantage.

Rapid Drainage and Nutrient Needs

Specific drainage data is missing, but the high sand content typically results in rapid drainage. This prevents waterlogging but means plants may require more frequent watering during dry spells. Fertilizer management is also crucial, as nutrients leach through sand more quickly than clay.

A Specialty Crop Paradise in 6a

The sandy, high-organic soils in zone 6a are famous for specialty crops like potatoes and root vegetables. You will find that your garden soil is easy to dig and warms up early for spring planting. Embrace the unique acidity and organic wealth of Elkhart to grow a bounty.

Full soil quality analysis on SoilByCounty

Lawn Care in Elkhart County

via LawnByCounty

Elkhart County's High Lawn Potential

With a lawn score of 73.5, Elkhart County is one of the easier places in Indiana to maintain a yard. This Zone 6a county offers the cool nights and manageable summers that northern turfgrasses prefer.

Cooler Summers and Steady Rain

The county experiences only 12 extreme heat days per year, which is far fewer than the state average of 20. Annual precipitation of 38.2 inches provides a solid foundation for growth without excessive moisture.

Managing Sandy, Acidic Soil

The soil is very sandy at 51.3%, leading to fast drainage but low nutrient retention. With a pH of 5.55, you will likely need lime applications to bring the soil into the ideal range for grass.

Building Resilience in Sandy Turf

Elkhart saw 11 weeks of drought last year, but current conditions show only 6.8% of the area is abnormally dry. Adding organic matter to your sandy soil will help it hold water during future dry spells.

The Best Window for Elkhart Lawns

Seeding should occur after the April 28th spring frost to ensure a strong start. Fine fescues are an excellent choice for the sandy soil found throughout the county.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Elkhart County's county score?
Elkhart County, Indiana has a composite county score of 36.6 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Elkhart County rank among counties in Indiana?
Elkhart County ranks #88 among all counties in Indiana on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Elkhart County, Indiana?
The median annual property tax in Elkhart County is $1,592, with an effective tax rate of 0.82%. This earns Elkhart County a tax score of 51.7/100 on CountyScore (higher = lower taxes).
What is the median household income in Elkhart County?
The median household income in Elkhart County, Indiana is $65,617 per year according to U.S. Census Bureau data. Elkhart County earns an income score of 56.2/100 on CountyScore.
Is Elkhart County, Indiana a good place to live?
Elkhart County scores 36.6/100 on CountyScore's overall county ranking, ranking #88 in Indiana. The best way to evaluate Elkhart County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Elkhart County with other counties side by side.

ByCounty Network

🏛Property Tax🏠Cost of Living💼Income & Jobs🛡Safety❤Health🎓Schools⚡Disaster Risk💧Water Quality🌤Weather & Climate🪨Soil Quality🌱Lawn Care🛒Farmers Markets

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS, NOAA — informational only.