Otter Lake, Indiana Demographics & Population 2026

A note before these figures: with a population of 216, Otter Lake's ACS estimates come from a small number of survey responses and carry wide margins of error. Individual percentages below — particularly rates that round to 0% or 100% — are approximations, not precise measurements. See data.census.gov for the published margins of error.

Population Overview

Otter Lake is a small community located in Indiana. The total population is 216. It ranks as the 698th most populous out of 967 Census-designated places in Indiana.

Age Demographics

The median age in Otter Lake is 48.4 years. This is 27% higher than the state median of 38.1 years. Only 14.8% of residents are under 18, indicating fewer families with children.

Economy, Income & Housing

The median household income in Otter Lake is $158,603. This is 120% higher than the state median of $71,957. It is also 96% higher than the national median of $80,734. The poverty rate stands at 3.2%. This is 74% lower than the state poverty rate of 12.3%. This exceptionally low poverty rate indicates strong economic prosperity across the community. The survey records no unemployed residents in Otter Lake, which reflects the size of the sample rather than a labor market without joblessness. The median home value is $232,000. Housing costs are 6% higher than the state median of $218,200. With a home-value-to-income ratio of just 1.5x, Otter Lake is one of the most affordable housing markets in the area. 100.0% of occupied housing units are owner-occupied. This homeownership rate is 42% higher than the state average of 70.5%.

Race & Ethnicity

Otter Lake has a predominantly White (non-Hispanic) population, comprising 97.7% of all residents.

Education

21.2% of residents aged 25 and older hold a bachelor's degree or higher. This is 28% lower than the state rate of 29.5%. Nationally, 35.7% of adults hold at least a bachelor's degree. No surveyed resident aged 25 or older reported leaving school before earning a high school diploma, though a rate of exactly 100% reflects the limits of a small sample.

Data Sources & Methodology

All demographic data for Otter Lake, Indiana is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against Indiana state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 967 Census-designated places in Indiana. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.