Median Income
$85,417
14% higher than US avg
Home Value
$124,000
56% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
19.4%
42% lower than US avg
Median Rent
$1,036
11% lower than US avg
Obesity Rate
37.2%
16% higher than US avg
Unemployment
0.6%
83% lower than US avg
Poverty Rate
0.8%
94% lower than US avg
How Liberty Compares to the U.S. Average (100% = U.S. avg)
People
Population423
Median Age36.3 yrs
Density1,085/mi²
Male / Female45% / 55%
Largest GroupWhite 98%
Veterans6.4%
Economy
A+
Median Income$85,417
Per Capita$29,762
Unemployment0.6%
Poverty0.8%
County GDP$4,661M
Commute25 min
Housing
A+
Home Value$124,000
Rent$1,036
Ownership83.4%
Zillow$228,278
Housing Units159
Rent Burden21.4%
Crime
C+
Violent0/100K
Property517/100K
Health
Obesity37.2%
Uninsured7.3%
Smoking14.4%
Depression24.3%
Heart Disease5.1%
Climate
Avg Temp53°F (12°C)
AQI43 (Good)
Rain36.4 in/yr
Sunny Days302/yr
Elevation756 ft (230 m)
Education
C+
Bachelor's+19.4%
High School+97.3%
Graduate+2.3%
School Score4.98
Community
2024 VoteR 73% / D 26%
Commute25 min
Broadband99.3%
EV Stations7
Libraries5
Is Liberty a Good Place to Live?
Based on current data, Liberty receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, affordable housing. Liberty offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Liberty is $85,417, 14% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 0.6%. Only 0.8% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Liberty is $124,000, 56% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,036 per month, below the national average / a plus for affordability. At just 1.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Liberty is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 517 per 100,000, 74% below the national average.
Education
19.4% of residents hold a bachelor's degree, below the national average of 33.7%. 97.3% have completed high school. Area schools have an average test score of 5/10.
Climate & Weather
Liberty experiences four distinct seasons with an average temperature of 53°F. Winters average 27°F in January while summers reach 76°F in July. With 302 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 36.4 inches. Air quality is rated Good with a median AQI of 43.
Liberty has a population of 423 with a density of 1,085 people per square mile, spread across 0.2 square miles. The median age is 36.3 years, 7% younger than the national median of 38.9. The gender split is 54.6% female and 45.4% male. The city is predominantly White (98.3%). English is the primary language spoken at home by 99.2% of residents. 6.4% of the population are veterans. 21.4% of residents have a disability (above the 13.0% national average). 91.5% have health insurance coverage.
Population
36.3yrs
Median Age
7% below US avg
Language Spoken at Home
English Only
99.2%
26% above US avg
Spanish
0.8%
94% below US avg
The median household income in Liberty is $85,417, which is 14% above the national average of $75,149. Per capita income is $29,762 (below the $39,052 national figure). The average weekly wage is $1,057, 26% lower than the U.S. average. The unemployment rate is 0.6% (below the 3.6% US average). 0.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,747 business establishments, including 161 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 25 minutes. 1.8% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $85,417 |
| 14% above US avg |
| Per Capita Income | $29,762 |
| Avg Weekly Wage | $1,057 |
| IRS Avg AGI | $75,579 |
| Gini Index | 0.437 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.6% |
| 83% below US avg |
| Poverty Rate | 0.8% |
| 94% below US avg |
| Establishments (County) | 1,747 |
| County GDP | $4,661M |
Business (County)
| Restaurants | 161 |
| Healthcare | 158 |
| Retail | 252 |
| Manufacturing | 76 |
Tax & Cost of Living
| Property Tax (IRS) | $6,297 |
| 80% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 5.08% |
Commute & Transportation
| Commute Time | 25.2 min |
| Drive Alone | 80.5% |
| Public Transit | 0.0% |
| Work from Home | 1.8% |
The median home value in Liberty is $124,000, 56% below the national median of $281,900. Zillow estimates the typical home value at $228,278, higher than the Census estimate. Monthly rent averages $1,036 (11% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 83.4% of housing units are owner-occupied (above the 65.4% national rate). There are 159 total housing units in the city. The median year a home was built is 1971. The average annual property tax is $6,297 (higher than the $3,500 national average). 21.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.5x, well within the affordable range.
Home Values
| Census Median | $124,000 |
| 56% below US avg |
| Zillow ZHVI | $228,278 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $1,036 |
| 11% below US avg |
| Rent Burden | 21.4% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 83.4% |
| Owner-Occupied | 83.4% |
| Renter-Occupied | 16.6% |
| Housing Units | 159 |
| Median Year Built | 1971 |
Property Tax
| Avg Tax (IRS) | $6,297 |
| 80% above US avg |
| Effective Rate | 5.08% |
In Liberty, 37.2% of adults are obese, above the national rate of 32.1%. 8.9% have diabetes. Heart disease affects 5.1% of residents. 30.3% have high blood pressure. 14.4% are current smokers. 21.3% report binge drinking. 21.5% are physically inactive. 24.3% report depression (above the 20.0% national average). 18.4% experience frequent mental distress. 7.3% of residents lack health insurance. The primary care physician ratio is 1:955. The dentist ratio is 1:1,177. 77.5% of residents have access to exercise opportunities. The food environment index is 8.4 out of 10.
Health Metrics: Liberty vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.2% |
| 16% above US avg |
| Diabetes | 8.9% |
| Heart Disease | 5.1% |
| High Blood Pressure | 30.3% |
| Asthma | 10.6% |
| COPD | 6.3% |
| Cancer | 7.5% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 14.4% |
| 3% above US avg |
| Binge Drinking | 21.3% |
| Physical Inactivity | 21.5% |
| Depression | 24.3% |
| Mental Distress | 18.4% |
| Physical Distress | 12.2% |
| Short Sleep | 36.3% |
Healthcare Access
| Insurance Rate | 91.5% |
| Uninsured | 7.3% |
| 15% below US avg |
| Primary Care | 1:955 |
| Dentists | 1:1,177 |
| Mental Health | 1:316 |
| Checkup Rate | 75.5% |
| Dental Visits | 64.5% |
| Premature Death | 8,699/100K |
Food & Exercise
| Food Environment | 8.4/10 |
| Exercise Access | 77.5% |
| Healthcare Facilities | 158 |
Liberty has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 517 per 100,000, 74% below the U.S. average. The county recorded 12 fatal traffic crashes. Overall, Liberty receives a safety grade of C+.
Crime Rates: Liberty vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 517.2/100K |
| 74% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 12 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Liberty experiences four distinct seasons with an average annual temperature of 53°F (12°C). Winters average 27°F in January while summers reach 76°F in July. The area gets 302 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 36.4 inches. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 756 feet.
Temperature
27°F Jan (-3°C)
76°F Jul (25°C)
| Annual Average | 53.0°F |
| 2% below US avg |
| January Average | 27°F (-3°C) |
| July Average | 76°F (25°C) |
| Sunny Days | 302 days/yr |
Geography
| Elevation | 756 ft (230 m) |
| Area | 0.2 sq mi (0.4 km²) |
| Population Density | 1,085/sq mi |
| Coordinates | 39.8797°N, 91.1066°W |
| Timezone | America/Chicago |
| County | Adams County County |
| Nearest Airport | Quincy Regional-Baldwin Field (UIN)
6 miles away |
Precipitation & Snow
Annual Rainfall
36.4"
4% below US avg
Wettest Month (May)
4.53"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 64.2 / 100 |
| Social Vulnerability | 29.6 / 100 |
| Community Resilience | 92.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
2 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M2.9. Most recent: M2.6 on Sep 19, 2024.
| Feb 8, 2004 |
6 km SSW of Stoutsville, Missouri |
M2.9 |
79 km |
| Sep 19, 2024 |
1 km S of Old Monroe, Missouri |
M2.6 |
111 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
414 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 9 fatalities, 264 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 13, 1995 |
EF4 |
88 km |
0 |
| May 13, 1995 |
EF4 |
80 km |
0 |
| Apr 4, 2023 |
EF3 |
83 km |
0 |
| Mar 13, 2006 |
EF3 |
95 km |
0 |
| May 10, 2003 |
EF3 |
58 km |
0 |
| Apr 8, 1999 |
EF3 |
60 km |
0 |
| May 1, 1983 |
EF3 |
96 km |
0 |
| Jun 21, 1981 |
EF3 |
56 km |
1 |
| Jul 23, 1975 |
EF3 |
100 km |
0 |
| Apr 13, 1974 |
EF3 |
99 km |
0 |
| Apr 13, 1974 |
EF3 |
54 km |
0 |
| Sep 30, 1973 |
EF3 |
42 km |
0 |
| May 1, 1973 |
EF3 |
80 km |
2 |
| Jan 24, 1967 |
EF3 |
90 km |
1 |
| Jan 24, 1967 |
EF3 |
80 km |
1 |
| Apr 21, 1964 |
EF3 |
68 km |
0 |
| May 14, 1961 |
EF3 |
24 km |
0 |
| Apr 24, 1961 |
EF3 |
20 km |
0 |
| May 21, 1957 |
EF3 |
74 km |
0 |
| Dec 10, 2021 |
EF2 |
74 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
27°F (-3°C) |
1.4 in |
Coldest, Driest |
| February |
30°F (-1°C) |
1.5 in |
|
| March |
41°F (5°C) |
3.0 in |
|
| April |
53°F (12°C) |
3.9 in |
|
| May |
63°F (17°C) |
4.5 in |
Wettest |
| June |
72°F (22°C) |
3.7 in |
|
| July |
76°F (25°C) |
4.3 in |
Warmest |
| August |
74°F (23°C) |
3.5 in |
|
| September |
66°F (19°C) |
4.2 in |
|
| October |
55°F (13°C) |
3.3 in |
|
| November |
42°F (5°C) |
2.9 in |
|
| December |
30°F (-1°C) |
2.4 in |
|
Liberty has a seasonal temperature swing of 50°F / from 27°F in January to 76°F in July. Total annual precipitation is 38.6 inches, with May being the wettest month (4.5") and January the driest (1.4").
Average costs for common services in Liberty. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$250 ($150–$400) |
| Specialist Visit |
$350 ($200–$550) |
| Urgent Care Visit |
$200 ($100–$350) |
| Emergency Room Visit |
$2,200 ($800–$5,000) |
| Dental Cleaning |
$130 ($75–$200) |
| Dental Filling |
$250 ($150–$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$75) |
| Oil Change (Synthetic) |
$75 ($50–$120) |
| Brake Pad Replacement |
$300 ($150–$500) |
| Tire Rotation |
$40 ($20–$75) |
| New Tires (Set of 4) |
$600 ($400–$1,000) |
| Battery Replacement |
$200 ($100–$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60–$150) |
| Electrician (Per Hour) |
$90 ($50–$140) |
| HVAC Repair |
$400 ($150–$800) |
| HVAC System Install |
$7,000 ($4,000–$12,000) |
| Roof Repair |
$1,000 ($400–$2,000) |
| Roof Replacement |
$9,000 ($5,500–$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500–$3,500) |
| Divorce (Contested) |
$15,000 ($5,000–$30,000) |
| DUI Defense |
$5,000 ($2,000–$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800–$3,000) |
| Will Preparation |
$500 ($200–$1,000) |
| Trust Preparation |
$2,500 ($1,000–$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$100) |
| Hair Coloring (Full) |
$150 ($75–$250) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$80 ($50–$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00–$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50–$5.00) |
| Loaf of Bread |
$3.80 ($2.50–$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00–$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00–$7.50) |
| Rice (per lb) |
$1.00 ($0.60–$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80–$250) |
| Natural Gas (Monthly) |
$70 ($30–$150) |
| Water/Sewer (Monthly) |
$70 ($40–$120) |
| Internet (Monthly) |
$70 ($40–$100) |
| Cell Phone Plan (Monthly) |
$65 ($30–$100) |
| Cable TV (Monthly) |
$85 ($50–$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75–$500) |
| Car Insurance (Annual) |
$2,000 ($1,200–$3,500) |
| Bus Pass (Monthly) |
$70 ($30–$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00–$25) |
| Car Registration (Annual) |
$100 ($30–$250) |
| Driver's License Renewal |
$30 ($15–$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600–$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500–$2,000) |
| After-School Care (Monthly) |
$400 ($200–$700) |
| Tutoring (Per Hour) |
$50 ($25–$100) |
| SAT/ACT Prep Course |
$1,000 ($400–$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000–$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$100) |
| Dog Vaccination (Annual) |
$100 ($50–$200) |
| Dog Grooming |
$60 ($30–$100) |
| Pet Boarding (Per Night) |
$40 ($20–$75) |
| Dog Spay/Neuter |
$300 ($150–$500) |
| Cat Spay/Neuter |
$200 ($100–$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $927 |
| Toddler | $657 |
| Preschool | $657 |
| Family Childcare (monthly) |
| Infant | $570 |
| Toddler | $570 |
| Preschool | $570 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Liberty
What is the population of Liberty?
Liberty has a population of 423 residents and is located in Illinois. The population density is 1,085 people per square mile, spread across 0.2 square miles. The median age of residents is 36.3 years, which is younger than the national median of 38.9 years. The population is 54.6% female and 45.4% male.
Is Liberty expensive to live in?
Liberty has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $85,417, 14% above the national average of $75,149. The median home value is $124,000 (56% below the U.S. median). Renters pay a median of $1,036 per month, below the national average of $1,163. The home price-to-income ratio is 1.5x, indicating housing is reasonably affordable relative to local income levels.
Is Liberty safe?
Liberty is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 517 per 100,000 (below the national average). Overall, Liberty receives a safety grade of C+ based on combined crime data.
What is the weather like in Liberty?
Liberty has a four-season climate with an average annual temperature of 53°F (12°C). Winter temperatures average 27°F in January, while summers reach an average of 76°F in July. The area receives 302 sunny days per year, well above the national average of 205. Annual rainfall totals 36.4 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Liberty?
The job market in Liberty is very strong, with unemployment at just 0.6% / well below the national rate of 3.6%. The average weekly wage is $1,057. There are 1,747 business establishments in the area, including 161 restaurants and food service locations. The average commute time is 25 minutes, and 1.8% of workers work from home.
How much does housing cost in Liberty?
The median home value in Liberty is $124,000. Zillow estimates the typical home value at $228,278. For renters, the median monthly rent is $1,036. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 83.4%. The average annual property tax is $6,297.
How are the schools in Liberty?
Schools in Liberty score 5 out of 10 on standardized testing, near the national average. 19.4% of adults in Liberty hold a bachelor's degree or higher, below the national average of 33.7%. 97.3% have completed high school. 2.3% hold a graduate or professional degree.
How healthy is Liberty?
The obesity rate in Liberty is 37.2% (above the national rate of 32.1%). 14.4% of adults are smokers. 21.5% are physically inactive. 24.3% of residents report depression. 7.3% lack health insurance. 77.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:955.
What is transportation like in Liberty?
The average commute in Liberty is 25 minutes. 80.5% of workers drive alone to work, and 1.8% work from home.
What are the demographics of Liberty?
The racial and ethnic makeup of Liberty is 98.3% White. 99.2% of residents speak only English at home. 6.4% of the population are military veterans. 21.4% of residents have a disability. 91.5% have health insurance coverage.
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