Each edition grades its towns against each other only.
A regional job hub with 19,487 jobs.
Warsaw gives you more for your money than most places: homes are within reach, about $281K for a typical one, or 3.7 years of the Warsaw area’s $75K median household income. It grades B− overall, 377th of 585 graded towns in Indiana. The low prices come with trade-offs. It reports more crime per resident than 77% of U.S. towns, including 81 violent crimes reported to the FBI in 2025. On the plus side, natural-hazard risk is low. 42% of working residents work locally in Warsaw, against 11% in Indiana’s towns and 8% across U.S. towns. Only 90 of Indiana’s 1,097 towns score higher on walkability. Warsaw has 7 places on the National Register of Historic Places, among them Warsaw Cut Glass Company and Kosciusko County Jail.
Where Warsaw beats most towns.
Kosciusko County Jail
Census counts: 304 in 1850, 15,804 in 2020. The archive holds 18 old photos and papers going back to 1870 and 2 maps from 1957 on.
7 places on the National Register of Historic Places.
Each subject compared with towns across the country (schools within Indiana), ordered by how far Warsaw is from typical.
How TownRatings grades towns →
Who provides power, water and the rest in Warsaw, and how to reach them.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 18, 2024.
Ordered by what stands out in Warsaw.
Warsaw carries less natural-hazard risk than nearly all of Indiana (mostly inland flooding), draws workers from Wayne Township and beyond and is healthier than towns with similar incomes.
19,487 jobs are based in Warsaw, 2.8 for every working resident, so most of the people who work here commute in. The average commute takes 16.3 minutes, against 24.1 across Indiana.
The average trip to work in Warsaw is 16 minutes. The top destinations are Wayne Township (4%), Goshen (3%) and Elkhart (3%). 18% of Warsaw residents live below the poverty line.
| Warsaw | Indiana towns | U.S. towns | |
|---|---|---|---|
| Average trip to work | 16 minutes | 24 minutes | 25 minutes |
| Below the poverty line | 18% | 10% | 9.6% |
| Median household income | $61,000 | $71,000 | $80,000 |
| Work from home | 9.7% | 7.8% | 11% |
Census LEHD 2023 · ACS
FEMA rates its natural-hazard risk lower than 95% of Indiana towns, with expected losses of about $182 per resident a year; that rating is what its A for hazard risk is built on.
Warsaw’s FEMA risk score is 8 of 100. Since 1981, 49 flood insurance claims have been paid out in Warsaw.
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
3.7 miles of trail in 14 parks and preserves.
| Warsaw | Indiana towns | U.S. towns | |
|---|---|---|---|
| Miles of trail per square mile | 0.3 miles per square mile | 0.2 | 0.4 |
| Conserved land | 2.3% | 1.9% | 4.3% |
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Central Park | 0.6 mi | 9 |
| 2. Municipal Park | 0.5 mi | 7 |
| 3. Lucerne Park | — | 11 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Among 107 Indiana towns, just 7 have a higher violent crime rate than Warsaw. Warsaw reports more crime per resident than most U.S. towns we grade: about 77% report less.
| Warsaw | Indiana towns | U.S. towns | |
|---|---|---|---|
| Violent crimes per 1,000 (2025) | 5 per 1,000 residents | 1.4 | 1.6 |
| Property crimes per 1,000 (2025) | 15.1 per 1,000 residents | 8.6 | 9.9 |
FBI crime data, 2025 · crimes reported to police
Against the 9,182 U.S. towns with household incomes like Warsaw’s, it is less healthy than 50%, so its C isn’t only a matter of income.
Warsaw beats the Indiana average on 0 of 32 CDC measures and trails it on 2. 28% of adults get no exercise outside work in Warsaw.
| Warsaw | Indiana towns | U.S. towns | |
|---|---|---|---|
| Get no exercise (CDC PLACES) | 28% | 26% | 25% |
| Yearly checkup (CDC PLACES) | 78% | 80% | 79% |
| Food insecurity (CDC PLACES) | 16% | 14% | 14% |
| Smoke cigarettes (CDC PLACES) | 17% | 17% | 14% |
| What stands out | Warsaw | IN |
|---|---|---|
| More uninsured adults | 10.6% | 8.9% |
| Fewer adults getting cholesterol checked | 83.8% | 85.8% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Warsaw has chilly, snowy winters and pleasant summers. July afternoons reach 84°, January nights drop to 17° and about 32 inches of snow falls in a winter.
NOAA U.S. Climate Normals, 1991–2020
Only 49.3% of households own their home, against 70.6% across Indiana.
Adults 18 to 34 are 27% of residents (23% statewide). Warsaw has grown 2% since 2020, to 16,130 residents in the Census Bureau’s 2025 estimate. 34% of adults 25 and older have a bachelor’s degree or more, vs 30% across Indiana.
| Warsaw | Indiana towns | U.S. towns | |
|---|---|---|---|
| Median age | 33.8 years | 39.5 years | 40.5 years |
| Bachelor’s degree or more, 25+ | 34% | 22% | 29% |
| Aged 65 or older | 15% | 18% | 18% |
| Under 18 | 24% | 23% | 22% |
52% women, 48% men
About 92 men for every 100 women (the survey’s margin: ±1.5 points). Across Indiana, 50.4% of residents are women.
| Warsaw | IN | U.S. | |
|---|---|---|---|
| Under 10 | 12.5% | 12.4% | 11.6% |
| 10 to 17 | 11.6% | 10.9% | 10.3% |
| 18 to 24 | 10.8% | 9.6% | 9.1% |
| 25 to 34 | 16.2% | 13.1% | 13.7% |
| 35 to 44 | 12.8% | 12.7% | 13.2% |
| 45 to 54 | 9.1% | 12% | 12.2% |
| 55 to 64 | 12% | 12.5% | 12.7% |
| 65 to 74 | 8.7% | 10.1% | 10.2% |
| 75 and older | 6.5% | 6.7% | 7% |
| No diploma | 10.1% | 9.6% | 10.4% |
| High school | 30.6% | 32.5% | 26% |
| Some college | 19.9% | 19.3% | 19.1% |
| Associate’s | 5.7% | 9.1% | 8.8% |
| Bachelor’s | 19.8% | 18.7% | 21.6% |
| Graduate | 13.9% | 10.8% | 14.1% |
Census population estimates, 2025 · U.S. Census Bureau · ACS 2020-2024 5-year estimates
Typical home values rose 5.5% in the year to September 2026.
| Warsaw | Indiana towns | U.S. towns | |
|---|---|---|---|
| Households that own their home | 49% | 76% | 73% |
| Median rent | $1,066 a month | $946 a month | $1,185 a month |
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
1 within 15 miles of the center of Warsaw
About 3 of every 100 Warsaw residents are enrolled in college, against 6 across Indiana.
13,559 counted in 2010 and 15,804 in 2020; an estimated 16,130 in 2025.
U.S. Census 2010 & 2020 counts · Census Bureau estimate, July 1, 2025
7 places in Warsaw on the National Register of Historic Places.
14 notable people were born in Warsaw.
City in Indiana, United States
Warsaw is a city in and the county seat of Kosciusko County, Indiana, United States. Warsaw has a population of 15,804 as of the 2020 U.S. census. Warsaw also borders a smaller town, Winona Lake.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
One town shares a border with Warsaw.
| Town | IN rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Warsaw | #377 | B− | B | C− | B+ | C |
| Winona Lake | #8 | A+ | B− | A | B+ | A− |
Short answers, built from the data on this page.
Warsaw grades B− overall, better than 49% of U.S. towns and #377 of 585 in Indiana. It grades C for health, C− for safety and B+ for schools. Safety is its weak spot, with a C−.
Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades B.
14 notable people were born here, including John McMartin and Karl E. Weick.
