countyscore
44
County Score
Water Quality 86Income & Jobs 81.7Soil Quality 65.5

County Report Card

About Floyd County, Indiana

High Earnings, Higher Costs

Floyd County's composite score of 44.0 is slightly below the national median of 50.0. While incomes are high, other livability factors pull the overall average down.

Challenging the State Average

At 44.0, the county trails the Indiana state average of 55.9. This suggests that while it is an economic driver, it faces unique challenges that other Indiana counties manage more effectively.

Elite Incomes and Water Quality

Floyd boasts a powerful income score of 81.7 and an excellent water score of 86.0. The median household income of $78,179 is among the highest in the region.

Safety and Affordability Hurdles

The county struggles with safety, scoring just 24.2, and housing affordability with a cost score of 25.4. A median home value of $235,100 creates a high barrier to entry for new residents.

Suited for High-Income Professionals

Floyd County is best for affluent professionals who can afford premium housing and value high-quality utilities. It is a county built for those with established career success.

2040608010062.725.424.258.342.581.724.68664.3Tax62.7Cost25.4Safety24.2Health58.3Schools42.5Income81.7Risk24.6Water86Weather64.344/100
This county
National avg
3 above average4 below average

Floyd County DNA

Foverall

How Floyd County compares to the national average across 9 dimensions

Floyd County is a tale of two counties — exceptional in Income (81.7/100) but notably weak in Safety (24.2/100). This polarized profile creates distinct trade-offs for residents.

Dimension Breakdown

Tax
62.7+10.700000000000003
Cost
25.4-22.6
Safety
24.2-30.8
Health
58.3+8.299999999999997
Schools
42.5-11.5
Income
81.7+30.700000000000003
Risk
24.6-22.4
Water
86+28
Weather
64.3+8.299999999999997
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Compare mortgage rates in Floyd County

Whether buying or refinancing in Floyd County, compare rates from top lenders to find the best deal.

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Can You Afford to Live Here?

Median Home Price

$235,100

National median: $174,650

Median Rent

$990/mo

National median: $854/mo

Income Needed (home)

$235,100/yr

28% front-end rule

Income Needed (rent)

$39,600/yr

30% rent rule

Affordability Spectrum3.0x income
AffordableNational avgExpensive
Local median income: $78,179/yr
Compare Mortgage Rates

Economic & Education Snapshot

Primary Care

6.2

per 100K

Data from Federal Reserve (FRED), U.S. Department of Education College Scorecard, and CMS NPPES.

Explore this county

Property Taxtaxbycounty.comCost of Livingcostbycounty.comIncome & Jobsincomebycounty.comSafetycrimebycounty.comHealthhealthbycounty.comSchoolsschoolsbycounty.comDisaster Riskriskbycounty.comWater Qualitywaterbycounty.comWeather & Climateweatherbycounty.comSoil Qualitysoilbycounty.comLawn Carelawnbycounty.comFarmers Marketsmarketsbycounty.comView on Mapcountyscore.com/map
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Nearby counties

Jefferson County
Kentucky
34.3
Harrison County
Indiana
60.1
Clark County
Indiana
40.2
Washington County
Indiana
57
Oldham County
Kentucky
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Bullitt County
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Scott County
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Meade County
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Deep Dives

Floyd County across the ByCounty Network

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

Property Tax in Floyd County

via TaxByCounty

Floyd County taxes remain below national average

Floyd County's 0.704% effective tax rate falls below the national median of 0.84%, placing it in the bottom 38% of U.S. counties. The median property tax of $1,656 is about 60% of the national median of $2,690, offering substantial local savings.

Floyd ranks slightly above Indiana average

Floyd County's 0.704% rate exceeds Indiana's 0.671% state average by about half a percentage point, placing it in the upper-middle tier statewide. The median property tax of $1,656 is the second-highest among profiled counties, reflecting Floyd's higher median home values of $235,100.

Floyd's strong values drive higher taxes

Floyd County's 0.704% rate sits between Elkhart (0.819%) and Dubois (0.650%), but its $1,656 median annual tax is second only to Elkhart's $1,592. This reflects Floyd's robust median home value of $235,100, the second-highest in the profiled region.

What a typical Floyd homeowner pays

The median home in Floyd County is valued at $235,100, resulting in an estimated annual property tax of around $1,656. Homeowners with mortgages pay slightly less ($1,645) than those without ($1,675), suggesting consistent assessments.

Appeal assessments on higher-value homes

Floyd County homeowners with homes in the $200,000+ range should verify their assessments carefully, as overvaluation can cost hundreds annually. A free appeal to your assessor's office could uncover assessment errors and reduce your tax burden.

Full property tax analysis on TaxByCounty

Cost of Living in Floyd County

via CostByCounty

Floyd balances higher incomes with rents

Floyd County renters spend 15.2% of their income on rent, right in the national sweet spot for affordability and reflecting the county's strongest median household income of $78,179. This southern Indiana county proves that higher wages can offset steeper housing costs.

Balanced affordability above state average

Floyd's 15.2% rent-to-income ratio edges just below the state average of 15.6%, placing it among Indiana's better-balanced housing markets. The county's strong income base helps residents weather its higher housing costs.

Premium rents offset by premium wages

Floyd's median rent of $990 ranks among the region's highest, but its $78,179 median income is also the strongest in this comparison. The county's premium wages translate into manageable housing costs despite elevated rents.

Higher costs, higher incomes balance out

Renters pay $990 monthly and homeowners $1,141 against a median income of $78,179, the highest pairing in this eight-county group. This strong earning power allows Floyd households to comfortably absorb housing costs that would strain lower-income counties.

Floyd works for well-paid professionals

If you're relocating to a job paying $75,000-plus, Floyd's 15.2% rent-to-income ratio offers real affordability despite higher nominal rents. The county's strong wage base makes premium housing costs manageable for professional households.

Full cost of living analysis on CostByCounty

Income & Jobs in Floyd County

via IncomeByCounty

Floyd County income exceeds national median

Floyd County households earn $78,179 annually, nearly $3,500 more than the national median of $74,755, placing it in the upper-middle income tier nationally. This above-average performance signals a relatively prosperous local economy.

Among Indiana's highest-earning counties

Floyd County's median household income of $78,179 significantly exceeds Indiana's state average of $68,681 by over 13%, ranking it in the top tier of the state's counties. This strong performance reflects robust local employment and wage structures.

Second-highest income among measured peers

Floyd County ($78,179) trails only Franklin County ($79,702) and substantially outearns all other measured counties, including Dubois ($71,918), DeKalb ($70,080), and Elkhart ($65,617). Floyd anchors the most prosperous tier in the region.

Housing remains very affordable for Floyd

With a rent-to-income ratio of just 15.2%, Floyd residents spend approximately $995 monthly on housing costs—comfortably within affordability standards. The median home value of $235,100 is well-supported by the county's strong median income.

Floyd households can build substantial wealth

Above-average incomes and favorable housing ratios position Floyd residents to fund diverse investments: 401(k)s, IRAs, taxable brokerage accounts, and real estate. Engaging a fee-only financial planner can help optimize long-term wealth accumulation strategies.

Full income & jobs analysis on IncomeByCounty

Safety in Floyd County

via CrimeByCounty

Floyd County safety remains above national benchmarks

Floyd County reports 1,904.2 crimes per 100,000 residents, staying below the national average of 2,385.5. The county maintains a safety score of 97.0 out of 100.

Trailing Indiana's overall safety score

At 97.0, Floyd County’s safety score is lower than the Indiana state average of 98.9. Four local agencies contributed data to this assessment of the county's public safety landscape.

A higher crime rate than state averages

The county's total crime rate of 1,904.2 per 100,000 is significantly higher than the Indiana average of 693.8. Residents see more activity than in the surrounding rural Indiana counties.

Violent crime stays below national levels

The local violent crime rate is 233.2 per 100,000, well below the national rate of 369.8. However, property crime is more prevalent, reaching 1,671.0 per 100,000 residents.

Defending against local property crime

Since property crime drives the local rate, residents should focus on securing valuables and home perimeters. Reliable security systems are a proven way to deter property-related offenses.

Full safety analysis on CrimeByCounty

Schools in Floyd County

via SchoolsByCounty

A Substantial Educational Network in Floyd

Floyd County supports 11,776 students across 17 public schools, primarily concentrated in its suburban areas. The landscape includes nine elementary schools and three high schools managed by two distinct districts.

High Performance with Leaner Spending

The county achieves an impressive 94% graduation rate, well above the state and national averages. This success comes despite a per-pupil expenditure of $5,318, which is lower than the Indiana state average.

New Albany-Floyd County Consolidated Schools

The New Albany-Floyd County Consolidated School district is the primary provider, serving 11,270 students. One charter school, Community Montessori Inc, offers an alternative for about 6% of the county's students.

Large Suburban Campuses and Diverse Levels

Most students attend large suburban schools, with an average school size of 785 students. Floyd Central High School and New Albany Senior High both enroll over 1,800 students, creating a bustling campus atmosphere.

Explore Homes Near Top-Performing Floyd Schools

Floyd County is an excellent choice for families seeking high graduation rates in a suburban setting. Research local listings to find a home within these respected school boundaries.

Full schools analysis on SchoolsByCounty

Disaster Risk in Floyd County

via RiskByCounty

Floyd Faces Above-Average Disaster Risk

Floyd County scores 75.38 on composite risk, placing it in the Relatively Low category but significantly above Indiana's average of 45.52. This southwestern county experiences elevated exposure to multiple hazard types, particularly severe weather.

Among Indiana's Higher-Risk Counties

Floyd ranks in the upper tier of Indiana counties by composite risk, making it one of the state's more hazard-prone regions. Only a handful of Indiana counties score higher on overall natural disaster threat.

Riskier Than Nearby Counties

Floyd's 75.38 score exceeds neighboring Franklin (34.22), Fayette (33.49), and Fountain (21.25) counties substantially, making it the highest-risk county in its immediate area. Only Dubois County (59.13) approaches Floyd's risk level among regional peers.

Tornadoes Are the Primary Concern

Tornado risk stands at 92.21, the highest hazard exposure in Floyd County and among Indiana's worst tornado-prone zones. Flood risk at 74.17 and earthquake risk at 77.67 create secondary but substantial threats requiring preparedness.

Strong Storm Protection Is Essential

Floyd residents must invest in a designated safe room or basement shelter and maintain comprehensive wind and hail coverage on homeowners policies. Flood insurance is strongly recommended for all properties in flood-prone areas near the Ohio River.

Full disaster risk analysis on RiskByCounty

Water Quality in Floyd County

via WaterByCounty

Floyd County Achieves Top Grade A

With zero health violations in the last five years, the county maintains a perfect compliance record. This 0.0 violation rate stands in stark contrast to the Indiana average of 42.3 per 100K. Local utilities are providing high-quality, reliable drinking water to the community.

Watershed Health Ranks Among State's Best

Only 8.0% of the 138 assessed water bodies in Floyd County are classified as impaired. This is far lower than the Indiana state average of 40.9% impairment. While E. coli and nutrients are present, the overall aquatic health is exceptionally high.

Targeted Monitoring Focuses on Organic Compounds

The county utilizes 4 monitoring sites which have logged 2,723 measurements recently. These efforts prioritize the detection of pesticides and organic compounds in the water. This specialized data ensures that even though the watershed is healthy, chemical threats are tracked.

No USGS Streamflow Data for Floyd

There is currently no representative USGS streamgage data available for this county. In the absence of live flow data, residents should rely on the county's excellent drinking water compliance records. These records confirm a high standard of water safety regardless of current river stages.

Preserving Floyd County's High Water Standards

With some of the lowest impairment and violation rates in the state, preservation is the priority. Residents should continue to limit nutrient runoff to protect the 92% of local waters that are currently healthy. Monitoring for pesticides remains important for those near agricultural or treated landscapes.

Full water quality analysis on WaterByCounty

Soil Quality in Floyd County

via SoilByCounty

Southern Silt and Moderate Acidity

Floyd County soils have a pH of 5.97, leaning slightly more acidic than the state average of 6.08. This profile results in a soil score of 65.5, which is common for the rolling hills of Southern Indiana. These conditions require careful monitoring for plants sensitive to low pH levels.

A Landscape Dominated by Silt

The soil is extremely silt-heavy at 70.8%, with only 10.6% sand and 18.6% clay. This high silt concentration creates a very smooth texture that holds onto moisture tightly. It is less abrasive than sandy soils but can become slippery and prone to erosion on slopes.

Excellent Water Reserves

Available water capacity is a strong 0.212 in/in, which is better than the Indiana average of 0.202. Organic matter is low at 2.12%, matching the national average but trailing the state average. This soil effectively stores the rain it receives, providing a buffer for your plants.

Hydrology of the Silt Plains

While specific drainage class data is not available, soils with 70% silt typically exhibit moderate to slow drainage. The lack of sand means water moves slowly through the soil profile. Gardeners on slopes should be mindful of runoff during the heavy rains common to Floyd County.

Extended Growing in Zone 6b

Enjoy the warmer climate of zone 6b, where the high water capacity supports a long growing season. Silt-heavy soils are excellent for leafy greens and many native Indiana perennials. Start a compost pile today to help enrich these moisture-rich southern soils.

Full soil quality analysis on SoilByCounty

Lawn Care in Floyd County

via LawnByCounty

Navigating Lawn Challenges in Floyd

Floyd County's lawn score of 64.6 is below the state average of 71.0, signaling more maintenance effort is required. This Zone 6b area faces higher temperatures that can stress common Indiana turf varieties.

Battling Intense Southern Heat

With 39 extreme heat days annually, Floyd County experiences nearly double the state average of heat stress. Although 49.4 inches of rain helps, the intense sun can lead to rapid moisture loss in mid-summer.

Heavy Soil and Acidic pH

The soil pH of 5.97 is just below the ideal range, meaning a light lime treatment could improve nutrient availability. The soil is low in sand at 10.6%, which can lead to compaction and drainage issues if not aerated.

Rising Heat and Drying Soil

While last year saw only 2 weeks of drought, over 54% of the county is currently abnormally dry. Focus on irrigation during the high-heat days to prevent your lawn from entering summer dormancy.

Hardy Grass for a Hot Climate

Tall Fescue is the best choice for this county because it can withstand the 39 days of extreme heat. Since specific frost dates are limited, early fall seeding is generally recommended to avoid the summer scorch.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Floyd County's county score?
Floyd County, Indiana has a composite county score of 44 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 Floyd County rank among counties in Indiana?
Floyd County ranks #79 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 Floyd County, Indiana?
The median annual property tax in Floyd County is $1,656, with an effective tax rate of 0.70%. This earns Floyd County a tax score of 62.7/100 on CountyScore (higher = lower taxes).
What is the median household income in Floyd County?
The median household income in Floyd County, Indiana is $78,179 per year according to U.S. Census Bureau data. Floyd County earns an income score of 81.7/100 on CountyScore.
Is Floyd County, Indiana a good place to live?
Floyd County scores 44/100 on CountyScore's overall county ranking, ranking #79 in Indiana. The best way to evaluate Floyd 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 Floyd County with other counties side by side.
By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

ByCounty Network

Property TaxCost of LivingIncome & JobsSafetyHealthSchoolsDisaster RiskWater QualityWeather & ClimateSoil QualityLawn CareFarmers Markets

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