The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters
Ranked on The Town Files lifestyle rankings among 386 towns of 500–10,000 people in Indiana, scoring every town on all of these at once. #1 is Freelandville, IN.
-
25French Lick, Indiana
Retirement: 57th percentile · January average low (°F): 79th percentile · Home value ÷ income: 94th percentile
French Lick is a town of 1,722 people in Orange County, Indiana. Homes have a median value of $85,100 against household income of $54,519; January lows average 21°F.
1,722 people · Orange County · median home $85,100 · income $54,519 · Jan low 21°F · 13 in snow
Full French Lick, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
24Carlisle, Indiana
Retirement: 54th percentile · January average low (°F): 83rd percentile · Home value ÷ income: 94th percentile
Carlisle is a town of 625 people in Sullivan County, Indiana. Homes have a median value of $73,000 against household income of $45,750; January lows average 22°F.
625 people · Sullivan County · median home $73,000 · income $45,750 · Jan low 22°F · 15 in snow
Full Carlisle, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
23Petersburg, Indiana
Retirement: 86th percentile · January average low (°F): 82nd percentile · Home value ÷ income: 64th percentile
Petersburg is a city of 2,304 people in Pike County, Indiana. Homes have a median value of $122,000 against household income of $54,188; January lows average 22°F.
2,304 people · Pike County · median home $122,000 · income $54,188 · Jan low 22°F · 10 in snow
Full Petersburg, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
22Milltown, Indiana
Retirement: 61st percentile · January average low (°F): 88th percentile · Home value ÷ income: 83rd percentile
Milltown is a town of 790 people in Crawford County, Indiana. Homes have a median value of $118,800 against household income of $61,216; January lows average 24°F.
790 people · Crawford County · median home $118,800 · income $61,216 · Jan low 24°F · 13 in snow
Full Milltown, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
21Milroy, Indiana
Retirement: 78th percentile · January average low (°F): 61st percentile · Home value ÷ income: 94th percentile
Milroy is a community of 628 people in Rush County, Indiana. Homes have a median value of $132,100 against household income of $83,164; January lows average 19°F.
628 people · Rush County · median home $132,100 · income $83,164 · Jan low 19°F · 16 in snow
Full Milroy, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
20Francisco, Indiana
Retirement: 63rd percentile · January average low (°F): 74th percentile · Home value ÷ income: 96th percentile
Francisco is a town of 545 people in Gibson County, Indiana. Homes have a median value of $98,300 against household income of $63,836; January lows average 21°F.
545 people · Gibson County · median home $98,300 · income $63,836 · Jan low 21°F · 12 in snow
Full Francisco, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
19Worthington, Indiana
Retirement: 81st percentile · January average low (°F): 70th percentile · Home value ÷ income: 83rd percentile
Worthington is a town of 1,393 people in Greene County, Indiana. Homes have a median value of $91,400 against household income of $47,000; January lows average 21°F.
1,393 people · Greene County · median home $91,400 · income $47,000 · Jan low 21°F · 9 in snow
Full Worthington, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
18Galena, Indiana
Retirement: 69th percentile · January average low (°F): 97th percentile · Home value ÷ income: 68th percentile
Galena is a community of 1,726 people in Floyd County, Indiana. Homes have a median value of $281,200 against household income of $127,738; January lows average 26°F.
1,726 people · Floyd County · median home $281,200 · income $127,738 · Jan low 26°F · 9 in snow
Full Galena, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
17Patoka, Indiana
Retirement: 85th percentile · January average low (°F): 74th percentile · Home value ÷ income: 78th percentile
Patoka is a town of 706 people in Gibson County, Indiana. Homes have a median value of $99,000 against household income of $48,958; January lows average 21°F.
706 people · Gibson County · median home $99,000 · income $48,958 · Jan low 21°F · 12 in snow
Full Patoka, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
16Melody Hill, Indiana
Retirement: 70th percentile · January average low (°F): 95th percentile · Home value ÷ income: 73rd percentile
Melody Hill is a community of 3,689 people in Vanderburgh County, Indiana. Homes have a median value of $201,600 against household income of $93,906; January lows average 26°F.
3,689 people · Vanderburgh County · median home $201,600 · income $93,906 · Jan low 26°F · 11 in snow
Full Melody Hill, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
15Selma, Indiana
Retirement: 75th percentile · January average low (°F): 77th percentile · Home value ÷ income: 87th percentile
Selma is a town of 747 people in Delaware County, Indiana. Homes have a median value of $106,400 against household income of $58,214; January lows average 21°F.
747 people · Delaware County · median home $106,400 · income $58,214 · Jan low 21°F · 19 in snow
Full Selma, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
14Oakland City, Indiana
Retirement: 92nd percentile · January average low (°F): 82nd percentile · Home value ÷ income: 68th percentile
Oakland City is a city of 2,279 people in Gibson County, Indiana. Homes have a median value of $109,500 against household income of $48,850; January lows average 22°F.
2,279 people · Gibson County · median home $109,500 · income $48,850 · Jan low 22°F · 12 in snow
Full Oakland City, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
13Dugger, Indiana
Retirement: 76th percentile · January average low (°F): 70th percentile · Home value ÷ income: 98th percentile
Dugger is a town of 797 people in Sullivan County, Indiana. Homes have a median value of $87,800 against household income of $60,688; January lows average 21°F.
797 people · Sullivan County · median home $87,800 · income $60,688 · Jan low 21°F · 15 in snow
Full Dugger, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
12Brownstown, Indiana
Retirement: 99th percentile · January average low (°F): 81st percentile · Home value ÷ income: 64th percentile

Photo: Reporter1998 (public domain, Wikimedia Commons) Brownstown is a town of 3,025 people in Jackson County, Indiana. Homes have a median value of $146,600 against household income of $62,756; January lows average 22°F.
3,025 people · Jackson County · median home $146,600 · income $62,756 · Jan low 22°F · 13 in snow
Full Brownstown, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
11Dale, Indiana
Retirement: 76th percentile · January average low (°F): 96th percentile · Home value ÷ income: 73rd percentile
Dale is a town of 1,544 people in Spencer County, Indiana. Homes have a median value of $127,200 against household income of $61,953; January lows average 26°F.
1,544 people · Spencer County · median home $127,200 · income $61,953 · Jan low 26°F · 9 in snow
Full Dale, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
10Farmersburg, Indiana
Retirement: 74th percentile · January average low (°F): 77th percentile · Home value ÷ income: 96th percentile
Farmersburg is a town of 1,069 people in Sullivan County, Indiana. Homes have a median value of $78,000 against household income of $53,750; January lows average 21°F.
1,069 people · Sullivan County · median home $78,000 · income $53,750 · Jan low 21°F · 15 in snow
Full Farmersburg, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
9Bloomfield, Indiana
Retirement: 86th percentile · January average low (°F): 84th percentile · Home value ÷ income: 78th percentile
Bloomfield is a town of 2,289 people in Greene County, Indiana. Homes have a median value of $109,800 against household income of $54,948; January lows average 23°F.
2,289 people · Greene County · median home $109,800 · income $54,948 · Jan low 23°F · 9 in snow
Full Bloomfield, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
8Memphis, Indiana
Retirement: 62nd percentile · January average low (°F): 97th percentile · Home value ÷ income: 90th percentile
Memphis is a community of 1,077 people in Clark County, Indiana. Homes have a median value of $235,900 against household income of $137,560; January lows average 26°F.
1,077 people · Clark County · median home $235,900 · income $137,560 · Jan low 26°F · 10 in snow
Full Memphis, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
7Orleans, Indiana
Retirement: 85th percentile · January average low (°F): 79th percentile · Home value ÷ income: 87th percentile
Orleans is a town of 2,108 people in Orange County, Indiana. Homes have a median value of $117,500 against household income of $65,330; January lows average 21°F.
2,108 people · Orange County · median home $117,500 · income $65,330 · Jan low 21°F · 13 in snow
Full Orleans, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
6Middletown, Indiana
Retirement: 91st percentile · January average low (°F): 73rd percentile · Home value ÷ income: 90th percentile
Middletown is a town of 2,253 people in Henry County, Indiana. Homes have a median value of $96,200 against household income of $56,008; January lows average 21°F.
2,253 people · Henry County · median home $96,200 · income $56,008 · Jan low 21°F · 26 in snow
Full Middletown, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
5Lyons, Indiana
Retirement: 76th percentile · January average low (°F): 84th percentile · Home value ÷ income: 96th percentile
Lyons is a town of 625 people in Greene County, Indiana. Homes have a median value of $82,100 against household income of $53,365; January lows average 23°F.
625 people · Greene County · median home $82,100 · income $53,365 · Jan low 23°F · 18 in snow
Full Lyons, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
4Medora, Indiana
Retirement: 70th percentile · January average low (°F): 91st percentile · Home value ÷ income: 99th percentile
Medora is a town of 635 people in Jackson County, Indiana. Homes have a median value of $82,300 against household income of $69,231; January lows average 24°F.
635 people · Jackson County · median home $82,300 · income $69,231 · Jan low 24°F · 17 in snow
Full Medora, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
3Oaktown, Indiana
Retirement: 90th percentile · January average low (°F): 83rd percentile · Home value ÷ income: 90th percentile
Oaktown is a town of 581 people in Knox County, Indiana. Homes have a median value of $65,200 against household income of $38,333; January lows average 22°F.
581 people · Knox County · median home $65,200 · income $38,333 · Jan low 22°F · 15 in snow
Full Oaktown, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
2Lake Santee, Indiana
Retirement: 97th percentile · January average low (°F): 80th percentile · Home value ÷ income: 94th percentile
Lake Santee is a community of 889 people in Decatur County, Indiana. Homes have a median value of $245,500 against household income of $158,140; January lows average 22°F.
889 people · Decatur County · median home $245,500 · income $158,140 · Jan low 22°F · 16 in snow
Full Lake Santee, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking. -
1Freelandville, Indiana
Retirement: 98th percentile · January average low (°F): 83rd percentile · Home value ÷ income: 99th percentile
Freelandville is a community of 617 people in Knox County, Indiana. Homes have a median value of $92,000 against household income of $70,236; January lows average 22°F.
617 people · Knox County · median home $92,000 · income $70,236 · Jan low 22°F · 15 in snow
Full Freelandville, Indiana profile: weather, storms, schools, jobs →
Percentile vs Indiana towns on each part of this ranking.
Price vs ranking
More Indiana rankings
- The 25 Best Small Towns to Retire in Indiana
- The 25 Quietest Small Towns in Indiana
- The 25 Most Affordable Small Towns in Indiana
- The 25 Best Small Towns for Families in Indiana
- The 25 Best Quiet, Affordable Small Towns to Retire in Indiana
- 25 Small Towns in Indiana With the Cheapest Homes
- 25 Small Towns in Indiana With the Mildest Winters
- The 25 Most Walkable Small Towns in Indiana
- 25 Small Towns in Indiana With the Fewest Tornadoes Since 1950
- The 25 Best Small Towns for First-Time Home Buyers in Indiana
Same ranking, other places
- The 50 Best Affordable Small Towns to Retire in America With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Pennsylvania With Mild Winters
- The 25 Best Affordable Small Towns to Retire in New York With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Michigan With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Texas With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Minnesota With Mild Winters
- The 24 Best Affordable Small Towns to Retire in California With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Illinois With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Ohio With Mild Winters
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)