Average Utility Costs in Carmel, IN

Estimated monthly utility costs (1,000 kWh + 5,000 gal)

Average monthly utility costs in Carmel, IN are about $245.01, based on 1,000 kWh of electricity and 5,000 gallons of water, plus sewer and trash fees. See the full breakdown and sources below.

Total estimated monthly utilities

$245.01

Data freshness: last verified 2026-02-08
  • Electric $164.68 (67%)
  • Water $30.04 (12%)
  • Sewer $34.26 (14%)
  • Trash $16.03 (7%)

Utilities here are about 5% lower than the Indiana city average, driven mainly by sewer.

  • In Indiana, heating and cooling often makes electric the largest share of the bill.
  • City-provided trash is billed at a monthly fee ($16.03 in our estimate).

Electric

Confirmed
Provider
Duke Energy Indiana
Base charge
$13.70/mo
Energy rate
$0.1510/kWh
Assumed usage
1000 kWh
Estimated monthly
$164.68
duke-energy.com· verified 2026-02-08

Tiered rates: first 300 kWh at highest rate; next 700 kWh lower; over 1,000 kWh lowest.

Water

Confirmed
Provider
City of Carmel Water & Wastewater Utilities
Base charge
$14.04/mo
Volumetric rate
$3.20/1,000 gal
Assumed usage
5,000 gal
Estimated monthly
$30.04
carmelutilities.com· verified 2026-02-08

Sewer

Confirmed
Method
capacityCommodity
Estimated monthly
$34.26
carmelutilities.com· verified 2026-02-08

Trash

Confirmed
Monthly fee
$16.03

2026 rate $16.03/mo (trash + weekly recycling + billing fee). Scheduled annual increases: 2027 $16.74, 2028 $17.48, 2029 $18.25, 2030 $19.07.

carmelutilities.com· verified 2026-02-08

Total estimated monthly utilities

$245.01

What changes your bill most?

  • Electric is about 67% of your estimated utilities here.
  • Every 100 kWh changes your total by about $15.10.
  • Water increases by about $3.20 per additional 1,000 gallons.

Assumptions

  • Electric: 1000 kWh/month
  • Water: 5,000 gallons/month

What these labels mean

  • Confirmed — From this area's rate schedule.
  • Benchmark — From an official typical (e.g. state commission 1,000 kWh); not city-specific.
  • Delivery only — Regulated delivery charges only (e.g. Texas); supply varies by plan.
  • Estimated — From other or incomplete sources; use as a rough guide.
Sources

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Nearby Cities Utility Costs

Other cities in Hamilton County. Click a city for full breakdowns.

CityEst. total/mo
Carmel (this)$245.01
Fishers$240.16

More in Indiana

Indiana utility costsHamilton CountyElectric providers in Indiana

FAQ

Trash in Carmel is provided by the city as part of municipal utilities and is billed at a monthly fee. Rates and services are set by the local government; our estimate uses the fee from City of Carmel – Trash and recycling.
In Carmel, sewer is billed using a capacity-plus-commodity structure: a capacity charge based on your equivalent residential unit (ERU) and a volumetric charge for usage. Our estimate uses the rates from City of Carmel – Water & Sewer Rates (Rev. 2022) at the assumed 5,000 gallons per month.
We use base charges and per-unit rates from official provider pages. Electric = base + (rate × assumed kWh). Water = base + (rate per 1,000 gal × assumed gallons / 1,000). Sewer is either a flat fee or a percentage of water. Trash is a fixed monthly fee. See the Methodology page for full formulas.
Actual bills depend on your usage, seasonal rates, taxes, fees, and provider-specific rules. Indiana is a regulated electric state; our estimates use the serving utility's tariff at 1,000 kWh for comparison.
Each component shows a 'last verified' date. We aim to update from official sources periodically; always confirm current rates on the provider's site before making decisions.

Learn more

For tips on understanding your bill, comparing cities, and how electric and utility rates work by state, see our blog. Compare Carmel with another city side-by-side, or see how we calculate estimates.