
Tulip Poplar can work here, with caveats. Native and abundant statewide, and planted heavily across central-Indiana subdivisions from the 1970s onward, so there is now a large cohort standing 40 to 60 ft over houses. It performs best on deeper soils and struggles most in newer neighborhoods where the topsoil was stripped and the clay compacted by construction traffic.
Litter runs all season: orange-and-green flower tepals in June that stain concrete and get tracked indoors, dry cone-like fruit clusters that shed scales through fall and winter, and steady small twig drop. The one that actually generates phone calls is the sticky film — scale and aphid honeydew that makes decks tacky and grows black mold on siding, gutters, and any vehicle parked under the canopy.
Roots are shallow and fleshy, and in subdivision lots where topsoil was scraped off they stay in the top foot or two of compacted clay, so the tree takes the water first and everything planted under it loses. Surface roots ridge up through turf and will lift a patio edge, but the more common call is the reverse: a tuliptree that wilts hard the first dry July after a driveway, addition, or trench went in near it.