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Bloomington, IN

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Neighborhood intelligence

Your Bloomington relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Bloomington.

Median rent

$1,200/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,252/mo

Median household income

$50,465

ACS 2024 5-year

Median home value

$321,400

ACS 2024 5-year

Safety score

56/100

FBI CDE

Weather

62°F (H 74° / L 51°)

Open-Meteo

Buying in Bloomington? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

56/100

FBI CDE

Typical urban safety profile — 13% above average FBI data, 2023–2024

Good

Noise Level

38 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 62°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 54 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Bloomington IN

Bloomington is one of the more affordable options in its region at $1,200/month typical rent. Safety scores 56/100.

Bloomington has about 80,049 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Bloomington IN Safe?

Bloomington IN scores 56/100 on safety (below average). Crime is about 13% above the national average. Expect more property crime (car break-ins, package theft) than a quiet suburb.

Detail: overall crime index 113 (100 = avg); violent crime index 91; property crime index 135. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Bloomington IN

School quality varies by neighborhood in Bloomington. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Bloomington IN

Typical rent in Bloomington is about $1,200/month (moderate). At $1,200/month for a typical unit, you need about $43,200+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $321,400.

Median household income is $50,465, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($50,465) clears the $43,200 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Bloomington IN

Average temperature is about 62°F (highs near 74°F, lows near 51°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Bloomington IN?

Who tends to thrive in Bloomington: (1) Renters who want $1,200/month housing without coastal prices (comfort income is about $43,200) (2) Households earning $43,200+ who can clear the 3× rent rule at $1,200/month (3) Movers with a locked job offer in Bloomington who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 56/100) (2) Households expecting top marks on rent and safety at once (Bloomington does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $43,200 household income for $1,200/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Bloomington scores 56/100 on safety with $1,200/month typical rent. Run the numbers against your income before committing.

Next steps

Tools for your move

Quotes and listings for Bloomington when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Bloomington.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,223

Mortgage + tax + insurance + HOA

Annual property tax

$4,660

Annual est. $5,580

Est. monthly utilities

$509

Climate-adjusted electric, gas & water

Median home price

$321,400

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$289k
2022
$297k
2023
$305k
2024
$313k
2025
$321k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$1,023/mo vs buying
$1,200ACS 2024 5-year
Rent
$2,223
Buy

Mortgage

$1,625

Property tax

$388

Insurance

$115

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$4,265/yr

2024

1.37%

$4,392/yr

2025

1.41%

$4,524/yr

2026

1.45%

$4,660/yr

Buying in Bloomington? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

22 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,377/yr

moderate exposure
Wind hazard index54 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 62°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,377.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Bloomington to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo