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Terre Haute, Indiana

USA · Comprehensive city data and intelligence

58
Overall Score

Terre Haute, Indiana, serves as the economic and cultural hub of the Wabash Valley region, deeply rooted in its industrial history and educational prominence. Originally established along the Wabash River, the city's name translates from French as 'high land,' reflecting its geographic position above the floodplain. Today, it balances a charming Midwestern small-town atmosphere with modern developments, anchored by higher education institutions like Indiana State University and Rose-Hulman Institute of Technology. Residents and newcomers are drawn to the area for its welcoming community spirit, historic architecture, and steady pace of life.

About Indiana

Indiana, known as the "Hoosier State," offers a practical and community-oriented lifestyle with a cost of living generally below the national average. Its economy is diverse, with major industries including advanced manufacturing (automotive, steel, pharmaceuticals, medical devices), agriculture (corn, soybeans, hogs), life sciences, and logistics. The state experiences a humid continental climate, characterized by hot, muggy summers and cold, snowy winters, with spring and fall offering more moderate temperatures. Residents often value a relaxed pace of life, strong community ties, and access to outdoor activities and major metropolitan areas.

58,380
Population
$52K
Avg Salary
84
Cost Index
57.8
Quality Score
How this 58/100 was calculated five components, with every reading behind them
Component Readings used Points Weight Contributes
Safety Safety score: 62 / 100 62.0 30% 18.6
Affordability Cost of living index (100 = national baseline): 84.0 63.8 25% 15.9
Economy & jobs Median household income: $47,500 Income needed to live here: $42,000 Unemployment rate: 4.1% 57.6 20% 11.5
Growth Population growth rate: 0.2% Job growth rate: 1.1% 36.0 15% 5.4
Business climate assessment Business climate assessment: 63 / 100 63.0 10% 6.3
Overall score 57.7

Provenance. These figures were produced by the research pass recorded as Tier 1 (fast) (q=52, partial — below threshold), last refreshed 15 October 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

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Quality Scores

Business
63
Livability
70
Affordability
85
Growth
64

Cost of Living

The cost of living in Terre Haute is significantly lower than the national average, making it an attractive destination for families, retirees, and budget-conscious professionals. Housing costs, in particular, remain quite affordable compared to larger metropolitan areas across the United States. Everyday expenses such as groceries, utilities, and transportation also track well below national benchmarks, allowing residents to enjoy a comfortable standard of life without excessive financial strain.

Average Rent
$850/mo
Groceries
$350/mo
Transport
$110/mo
Utilities
$165/mo
Healthcare
$210/mo
Gym membership (monthly)
$40.00
Cinema ticket
$12.00
Restaurant meal (mid-range)
$18.00
Monthly groceries
$350.00
Doctor visit (without insurance)
$130.00

Salary Insights

Terre Haute's economy is anchored by sectors such as healthcare, education, manufacturing, and logistics. Major employers include regional health systems, local school districts, and higher education institutions, providing a stable foundation for the local workforce. Recent economic development initiatives have focused on revitalizing downtown, attracting light manufacturing, and supporting local entrepreneurship. While remote work infrastructure has expanded, traditional local industries continue to drive the majority of employment opportunities in the region.

The average salary in Terre Haute is $52,000 per year. You would need approximately $42,000 to live comfortably.

Top Industries

Retail Trade +0.50% Manufacturing +1.20% Education +0.80% Healthcare +2.00% Hospitality and Food Services +1.50%

Climate

🌡️
55°F
Avg Temp
☀️
85°F
Summer High
❄️
22°F
Winter Low
🌧️
39.70"
Annual Rain
💧
70.00%
Humidity
🌤️
257
Sunny Days

Transport

Getting around Terre Haute is primarily automobile-dependent, with a well-maintained grid of roads and highways providing efficient local commutes. Public transportation is available via the Terre Haute Transit Utility, offering bus routes throughout key commercial and residential sectors. Walkability and bike infrastructure are concentrated mainly around the university campuses and the revitalized downtown district.

18 min
Avg Commute
35.00/10
Transit Score
42.00/10
Walkability
High
Car Dependency

Pros & Cons

Advantages
Median home prices in Terre Haute are substantially lower than the national average per recent housing market data.
The city features multiple reputable higher education institutions including Indiana State University and Rose-Hulman.
An affordable cost of living allows residents to stretch their household budgets further compared to major metro areas.
A manageable average commute time reduces daily transit stress for local workers.
Ongoing downtown revitalization projects are bringing new dining, retail, and entertainment options to the city core.
Drawbacks
Average local salaries lag behind national medians, reflecting the regional economic structure.
Public transit options are limited, resulting in high car dependency for daily errands and commuting.
Job growth rates in certain high-tech sectors are slower compared to major national innovation hubs.
Winters can be cold and snowy, requiring preparation for harsh seasonal weather conditions.
Certain neighborhoods face economic transition challenges that impact local property values and safety metrics.

Questions about Terre Haute

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Frequently Asked Questions

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.

Educational metrics aggregate state standardized testing benchmarks, student-to-teacher ratios, high school graduation rates, and per-pupil expenditure data published by state departments of education.

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