Bloomington, IN
Bloomington, IN contractor bond quotes
Local construction data, public works bond rules, and what sureties ask Bloomington contractors for. A quote is not a binder.
With about 79,986 people, Bloomington sits in a county whose construction sector numbered 245 establishments in 2023. Contractors competing for Bloomington schools, streets, utilities, and commercial buildings regularly need surety bonds to win and sign contracts.
Monroe County construction industry data
| Measure (2023) | Monroe County | Indiana |
|---|---|---|
| Construction establishments (all) | 245 | 14,935 |
| Construction employees | 2,433 | 156,037 |
| Annual payroll per construction employee | $70,024 | $74,725 |
| Commercial and institutional building contractors | 12 | 731 |
| Heavy and civil engineering contractors | 9 | 713 |
| Construction firms with fewer than 5 employees | 59% | 61% |
Data: County Business Patterns 2023 (NAICS 23, 236220, 237).
Monroe County has 9 heavy and civil engineering contractors, the firms that build roads, bridges, water lines, and utility systems. Nearly all of that work is public, and nearly all of it is bonded.
Monroe County's 12 commercial and institutional builders compete for offices, schools, and public facilities. Private owners and lenders on larger projects increasingly ask for performance and payment bonds too.
What Bloomington's buildings say about upcoming work
Bloomington's median housing year of 1985 points to infrastructure entering its replacement cycle, from water mains to roofs on public buildings, all common sources of bonded contracts.
Buildings with five or more units make up 44% of Bloomington's housing (Indiana: 13%). Larger multifamily and mixed-use projects frequently involve lenders who require payment and performance bonds from the general contractor.
Renters occupy 65% of Bloomington's homes, and the city counts 38,407.0 housing units in all. Apartment-heavy markets lean toward private bonded projects; owner-heavy ones toward subdivision improvements and public infrastructure.
Housing data: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B25024, B25035). Population: U.S. Census Bureau Vintage 2024 city population estimates.
Public works bond rules that apply in Bloomington
For city, county, school district, and state contracts in Bloomington, the governing law is Indiana's public works bond requirements are set by state law; check the bid documents and the state code. Federal work is bonded under the Miller Act instead. See our public works bond laws guide.
59% of construction businesses in the county are small (under five employees). Growing from small bonds to larger programs depends on working capital, completed-job history, and reliable financial reporting.
How Bloomington compares
In Indianapolis, the county construction count is 1,910 establishments. Allen County, home to Fort Wayne, lists 1,002 construction businesses. Bloomington's county ranks 20th of 25 profiled Indiana cities for number of construction firms.
Bloomington bond quote checklist
- Bank line of credit details
- Subcontractor and supplier references
- Owners' personal financial statements
- CPA-prepared statements for the last fiscal year
- Project solicitation and required bond forms
- Legal entity details and owners
Start a Bloomington bond request
Questions from Bloomington contractors
When are bonds required on Bloomington public work?
Generally yes, above thresholds set by Indiana law and the owner. See the Indiana page.
How many contractors work in Monroe County?
The Census Bureau counted 245 construction establishments in Monroe County in 2023.
Can a new contractor in Bloomington get a performance bond?
Often, yes. Sureties start new accounts with smaller limits and grow them with your track record; see bonding capacity.
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Last updated October 15, 2026 · How we research