The Town Files

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.

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Numbers match the ranking.
The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters1. Freelandvillescore 932. Lake Santeescore 903. Oaktownscore 884. Medorascore 875. Lyonsscore 856. Middletownscore 857. Orleansscore 848. Memphisscore 839. Bloomfieldscore 8310. Farmersburgscore 8211. Dalescore 8212. Brownstownscore 8113. Duggerscore 8114. Oakland Cityscore 8115. Selmascore 8016. Melody Hillscore 7917. Patokascore 7918. Galenascore 7819. Worthingtonscore 7820. Franciscoscore 7821. Milroyscore 7822. Milltownscore 7723. Petersburgscore 7724. Carlislescore 7725. French Lickscore 77
  1. 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 →

    French Lick: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement57th pctMild winters79th pctAffordability94th pct
    Percentile vs Indiana towns on each part of this ranking.
  2. 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 →

    Carlisle: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement54th pctMild winters83th pctAffordability94th pct
    Percentile vs Indiana towns on each part of this ranking.
  3. 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 →

    Petersburg: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement86th pctMild winters82th pctAffordability64th pct
    Percentile vs Indiana towns on each part of this ranking.
  4. 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 →

    Milltown: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement61th pctMild winters88th pctAffordability83th pct
    Percentile vs Indiana towns on each part of this ranking.
  5. 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 →

    Milroy: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement78th pctMild winters61th pctAffordability94th pct
    Percentile vs Indiana towns on each part of this ranking.
  6. 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 →

    Francisco: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement63th pctMild winters74th pctAffordability96th pct
    Percentile vs Indiana towns on each part of this ranking.
  7. 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 →

    Worthington: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement81th pctMild winters70th pctAffordability83th pct
    Percentile vs Indiana towns on each part of this ranking.
  8. 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 →

    Galena: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement69th pctMild winters97th pctAffordability68th pct
    Percentile vs Indiana towns on each part of this ranking.
  9. 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 →

    Patoka: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement85th pctMild winters74th pctAffordability78th pct
    Percentile vs Indiana towns on each part of this ranking.
  10. 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 →

    Melody Hill: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement70th pctMild winters95th pctAffordability73th pct
    Percentile vs Indiana towns on each part of this ranking.
  11. 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 →

    Selma: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement75th pctMild winters77th pctAffordability87th pct
    Percentile vs Indiana towns on each part of this ranking.
  12. 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 →

    Oakland City: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement92th pctMild winters82th pctAffordability68th pct
    Percentile vs Indiana towns on each part of this ranking.
  13. 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 →

    Dugger: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement76th pctMild winters70th pctAffordability98th pct
    Percentile vs Indiana towns on each part of this ranking.
  14. 12Brownstown, Indiana

    Retirement: 99th percentile · January average low (°F): 81st percentile · Home value ÷ income: 64th percentile

    Brownstown, Indiana
    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 →

    Brownstown: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement99th pctMild winters81th pctAffordability64th pct
    Percentile vs Indiana towns on each part of this ranking.
  15. 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 →

    Dale: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement76th pctMild winters96th pctAffordability73th pct
    Percentile vs Indiana towns on each part of this ranking.
  16. 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 →

    Farmersburg: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement74th pctMild winters77th pctAffordability96th pct
    Percentile vs Indiana towns on each part of this ranking.
  17. 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 →

    Bloomfield: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement86th pctMild winters84th pctAffordability78th pct
    Percentile vs Indiana towns on each part of this ranking.
  18. 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 →

    Memphis: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement62th pctMild winters97th pctAffordability90th pct
    Percentile vs Indiana towns on each part of this ranking.
  19. 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 →

    Orleans: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement85th pctMild winters79th pctAffordability87th pct
    Percentile vs Indiana towns on each part of this ranking.
  20. 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 →

    Middletown: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement91th pctMild winters73th pctAffordability90th pct
    Percentile vs Indiana towns on each part of this ranking.
  21. 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 →

    Lyons: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement76th pctMild winters84th pctAffordability96th pct
    Percentile vs Indiana towns on each part of this ranking.
  22. 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 →

    Medora: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement70th pctMild winters91th pctAffordability99th pct
    Percentile vs Indiana towns on each part of this ranking.
  23. 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 →

    Oaktown: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement90th pctMild winters83th pctAffordability90th pct
    Percentile vs Indiana towns on each part of this ranking.
  24. 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 →

    Lake Santee: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement97th pctMild winters80th pctAffordability94th pct
    Percentile vs Indiana towns on each part of this ranking.
  25. 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 →

    Freelandville: The 25 Best Affordable Small Towns to Retire in Indiana With Mild Winters scoresRetirement98th pctMild winters83th pctAffordability99th pct
    Percentile vs Indiana towns on each part of this ranking.

Price vs ranking

Median home value vs ranking, Indiana towns0255075100$27K$122K$218K$314K$410KMedian home valuePercentile
Orange squares are the 25 towns on this list; green dots are other towns on The Town Files in Indiana.

More Indiana rankings

Same ranking, other places

Methodology. We ranked 386 towns of 500–10,000 people in Indiana (2020 Census population). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. The combined score is the average of the percentiles shown for each town; a town must be above the middle on every one. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: