Judy,
Have you considered areas more toward Columbus, Seymour, South of Indy?
These areas still seem to have growing factory work for both blue and white collar workers, taxes are reasonable, housing inexpensive, very safe for the most part, and everything you mention w/o having to be in a larger metro area. We do have personal property tax if you own a vehicle, and you pay a sliding rate by assessed value and age. This rate was halved a few years back, much to the delight of many.
Here is a link to the Columbus area, and you may find it appealing and everything you are looking for:
Columbus, Indiana Convention and Visitors Bureau
Good luck!