Median Income
$46,801
38% lower than US avg
Home Value
$122,000
57% lower than US avg
Bachelor's+
20.4%
39% lower than US avg
Median Rent
$745
36% lower than US avg
Obesity Rate
37.1%
16% higher than US avg
Unemployment
3.0%
17% lower than US avg
Poverty Rate
17.2%
39% higher than US avg
How Liberty Compares to the U.S. Average (100% = U.S. avg)
People
Population1,958
Median Age44.1 yrs
Density2,478/mi²
Male / Female47% / 53%
Largest GroupWhite 93%
Veterans9.8%
Economy
B
Median Income$46,801
Per Capita$28,755
Unemployment3.0%
Poverty17.2%
County GDP$216M
Commute28 min
Housing
A+
Home Value$122,000
Rent$745
Ownership74.3%
Zillow$199,703
Housing Units1,111
Rent Burden27.6%
Health
Obesity37.1%
Uninsured6.2%
Smoking16.3%
Depression27.3%
Heart Disease5.4%
Climate
Avg Temp54°F (12°C)
Rain43.7 in/yr
Elevation1,004 ft (306 m)
Education
C+
Bachelor's+20.4%
High School+86.3%
Graduate+6.6%
School Score6.34
Community
2024 VoteR 77% / D 21%
Commute28 min
Broadband89.5%
EV Stations1
Libraries1
Is Liberty a Good Place to Live?
Based on current data, Liberty receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing, high health insurance coverage. Areas to be aware of include an elevated poverty rate, below-average incomes. 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 $46,801, 38% below the national average of $75,149. Unemployment stands at 3.0%, indicating a healthy job market. The poverty rate of 17.2% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 28 minutes.
Cost of Living & Housing
The median home value in Liberty is $122,000, 57% below the national median / offering relatively affordable homeownership. Renters pay a median of $745 per month, below the national average / a plus for affordability. At just 2.6x median income, home prices are very affordable relative to local earnings.
Education
20.4% of residents hold a bachelor's degree, below the national average of 33.7%. 86.3% have completed high school. Local schools score 6.3/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Liberty experiences four distinct seasons with an average temperature of 54°F. Winters average 29°F in January while summers reach 75°F in July. Annual precipitation totals 43.7 inches, including 24.9 inches of snow.
Liberty has a population of 1,958 with a density of 2,478 people per square mile, spread across 0.9 square miles. The median age is 44.1 years, 13% older than the national median of 38.9. The gender split is 52.6% female and 47.4% male. The city is predominantly White (93.1%), with 1.2% Black, 1.3% Asian. English is the primary language spoken at home by 99.7% of residents. 9.8% of the population are veterans, above the national rate of 6.0%. 19.3% of residents have a disability (above the 13.0% national average). 93.8% have health insurance coverage.
Population
1,958
Total Population
2023 Census
44.1yrs
Median Age
13% above US avg
Language Spoken at Home
English Only
99.7%
27% above US avg
Spanish
2.1%
84% below US avg
The median household income in Liberty is $46,801, which is 38% below the national average of $75,149. Per capita income is $28,755 (below the $39,052 national figure). The average weekly wage is $845, 41% lower than the U.S. average. The unemployment rate is 3.0% (below the 3.6% US average). 17.2% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 150 business establishments, including 11 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 28 minutes. 0.9% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $46,801 |
| 38% below US avg |
| Per Capita Income | $28,755 |
| Avg Weekly Wage | $845 |
| IRS Avg AGI | $58,495 |
| Gini Index | 0.380 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.0% |
| 17% below US avg |
| Poverty Rate | 17.2% |
| 39% above US avg |
| Establishments (County) | 150 |
| County GDP | $216M |
Business (County)
| Restaurants | 11 |
| Healthcare | 8 |
| Retail | 28 |
| Manufacturing | 7 |
Tax & Cost of Living
| Property Tax (IRS) | $1,775 |
| 49% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 1.45% |
Commute & Transportation
| Commute Time | 28.0 min |
| Drive Alone | 88.2% |
| Public Transit | 0.3% |
| Work from Home | 0.9% |
The median home value in Liberty is $122,000, 57% below the national median of $281,900. Zillow estimates the typical home value at $199,703, higher than the Census estimate. According to Redfin, the median sale price is $150,000 with homes selling in an average of 11 days. Homes sell for 93.8% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $745 (36% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 74.3% of housing units are owner-occupied (above the 65.4% national rate). There are 1,111 total housing units in the city. The median year a home was built is 1965. The average annual property tax is $1,775 (lower than the $3,500 national average). 27.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.6x, well within the affordable range.
Home Values
| Census Median | $122,000 |
| 57% below US avg |
| Zillow ZHVI | $199,703 |
| Redfin Median Sale | $150,000 |
| Median List Price | $281,450 |
Real Estate Market (Redfin)
| Median Sale Price | $150,000 |
| Median List Price | $281,450 |
| $/Sq Ft | $105 |
| Homes Sold | 1 |
| Days on Market | 11 days |
| Sale-to-List Ratio | 93.8% |
| Price Drops | 0.0% |
| Inventory | 1 |
Rental Costs
| Census Median Rent | $745 |
| 36% below US avg |
| Rent Burden | 27.6% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 74.3% |
| Owner-Occupied | 74.3% |
| Renter-Occupied | 25.7% |
| Housing Units | 1,111 |
| Median Year Built | 1965 |
Property Tax
| Avg Tax (IRS) | $1,775 |
| 49% below US avg |
| Effective Rate | 1.45% |
In Liberty, 37.1% of adults are obese, above the national rate of 32.1%. 10.0% have diabetes. Heart disease affects 5.4% of residents. 32.4% have high blood pressure. 16.3% are current smokers. 18.8% report binge drinking. 22.7% are physically inactive. 27.3% report depression (above the 20.0% national average). 19.0% experience frequent mental distress. 6.2% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:7,047. 62.1% of residents have access to exercise opportunities.
Health Metrics: Liberty vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.1% |
| 16% above US avg |
| Diabetes | 10.0% |
| Heart Disease | 5.4% |
| High Blood Pressure | 32.4% |
| Asthma | 11.5% |
| COPD | 7.0% |
| Cancer | 7.5% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 16.3% |
| 16% above US avg |
| Binge Drinking | 18.8% |
| Physical Inactivity | 22.7% |
| Depression | 27.3% |
| Mental Distress | 19.0% |
| Physical Distress | 12.9% |
| Short Sleep | 36.4% |
Healthcare Access
| Insurance Rate | 93.8% |
| Uninsured | 6.2% |
| 28% below US avg |
| Primary Care | 1:7,047 |
| Mental Health | 1:6,973 |
| Checkup Rate | 77.6% |
| Dental Visits | 59.4% |
| Premature Death | 9,986/100K |
Food & Exercise
| Exercise Access | 62.1% |
| Healthcare Facilities | 8 |
Liberty experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 29°F in January while summers reach 75°F in July. Annual precipitation totals 43.7 inches. The area receives 24.9 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 1,004 feet.
Temperature
29°F Jan (-2°C)
75°F Jul (24°C)
| Annual Average | 53.5°F |
| 1% below US avg |
| January Average | 29°F (-2°C) |
| July Average | 75°F (24°C) |
Geography
| Elevation | 1,004 ft (306 m) |
| Area | 0.9 sq mi (2.2 km²) |
| Population Density | 2,478/sq mi |
| Coordinates | 39.6349°N, 84.9273°W |
| Timezone | America/Indiana/Indianapolis |
| County | Union County County |
| Nearest Airport | Butler County Regional/Hogan Field (HAO)
29 miles away |
Precipitation & Snow
Annual Rainfall
43.7"
15% above US avg
Wettest Month (Jun)
5.24"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 5.2 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 20.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
11 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.5 on Jan 28, 2024.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
63 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
146 km |
| Feb 19, 1995 |
8 km SSE of Rocky Fork Point, Ohio |
M3.6 |
138 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
92 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
96 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
142 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
136 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
148 km |
| Jul 23, 2013 |
6 km NNE of Germantown, Kentucky |
M2.6 |
133 km |
| Jan 28, 2024 |
3 km SW of Old Washington, Kentucky |
M2.5 |
149 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
118 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
556 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 75 fatalities, 2,660 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
75 km |
36 |
| Apr 3, 1974 |
EF5 |
74 km |
3 |
| May 27, 2019 |
EF4 |
45 km |
0 |
| Mar 2, 2012 |
EF4 |
97 km |
4 |
| Sep 20, 2000 |
EF4 |
81 km |
1 |
| Apr 9, 1999 |
EF4 |
66 km |
4 |
| Jun 11, 1998 |
EF4 |
89 km |
0 |
| Jun 2, 1990 |
EF4 |
46 km |
0 |
| Jul 9, 1980 |
EF4 |
47 km |
2 |
| Apr 3, 1974 |
EF4 |
64 km |
2 |
| Apr 3, 1974 |
EF4 |
88 km |
4 |
| Apr 3, 1974 |
EF4 |
55 km |
1 |
| Apr 3, 1974 |
EF4 |
63 km |
0 |
| May 14, 1972 |
EF4 |
100 km |
0 |
| Apr 23, 1968 |
EF4 |
82 km |
1 |
| Apr 11, 1965 |
EF4 |
92 km |
3 |
| Apr 25, 1961 |
EF4 |
75 km |
0 |
| Mar 14, 2024 |
EF3 |
63 km |
1 |
| May 27, 2019 |
EF3 |
55 km |
0 |
| May 27, 2019 |
EF3 |
72 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: JPG 09 1 (6,113 ac, 1998).
| Year |
Name |
Acres |
Distance |
| 1998 |
JPG 09 1 |
6,113 |
94 km |
| 2005 |
RX BURNPLAN AREA 2-06 |
5,054 |
95 km |
| 2007 |
UNITS 8-9 2008 |
4,316 |
96 km |
| 2006 |
UNIT 19 06 WUI |
3,412 |
97 km |
| 2003 |
WUI 3 03 |
3,372 |
86 km |
| 2010 |
WUI UNIT 28K |
3,230 |
83 km |
| 1999 |
UNNAMED |
3,122 |
86 km |
| 2002 |
UNIT 8 |
2,753 |
97 km |
| 2005 |
UNIT 3 05 |
2,511 |
87 km |
| 2001 |
01 UNIT 16 |
2,361 |
94 km |
| 2011 |
WUI UNITS 0 AND 1 2011 |
2,215 |
97 km |
| 2004 |
UNIT 19 |
2,004 |
98 km |
| 2003 |
UNIT 8 03 |
1,971 |
95 km |
| 2008 |
FY 09 UNIT 42 RX FALL 2008 |
1,942 |
91 km |
| 2000 |
JPG 14 |
1,908 |
96 km |
| 2003 |
UNIT 16 03 |
1,809 |
95 km |
| 2002 |
UNIT 9 |
1,485 |
96 km |
| 1995 |
UNNAMED |
1,462 |
92 km |
| 2010 |
TRACER |
1,408 |
83 km |
| 2007 |
UNNAMED |
1,334 |
92 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
29°F (-2°C) |
3.4 in |
Coldest |
| February |
33°F (0°C) |
2.6 in |
Driest |
| March |
42°F (5°C) |
3.6 in |
|
| April |
53°F (12°C) |
4.4 in |
|
| May |
63°F (17°C) |
5.1 in |
|
| June |
72°F (22°C) |
5.2 in |
Wettest |
| July |
75°F (24°C) |
4.3 in |
Warmest |
| August |
74°F (24°C) |
2.6 in |
|
| September |
68°F (20°C) |
2.9 in |
|
| October |
55°F (13°C) |
3.1 in |
|
| November |
43°F (6°C) |
3.3 in |
|
| December |
34°F (1°C) |
3.4 in |
|
Liberty has a seasonal temperature swing of 46°F / from 29°F in January to 75°F in July. Total annual precipitation is 43.7 inches, with June being the wettest month (5.2") and February the driest (2.6").
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) |
$233 ($140-$373) |
| Specialist Visit |
$327 ($187-$513) |
| Urgent Care Visit |
$187 ($93-$327) |
| Emergency Room Visit |
$2,053 ($746-$4,665) |
| Dental Cleaning |
$121 ($70-$187) |
| Dental Filling |
$233 ($140-$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23-$70) |
| Oil Change (Synthetic) |
$70 ($47-$112) |
| Brake Pad Replacement |
$280 ($140-$467) |
| Tire Rotation |
$37 ($19-$70) |
| New Tires (Set of 4) |
$560 ($373-$933) |
| Battery Replacement |
$187 ($93-$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56-$140) |
| Electrician (Per Hour) |
$84 ($47-$131) |
| HVAC Repair |
$373 ($140-$746) |
| HVAC System Install |
$6,531 ($3,732-$11,196) |
| Roof Repair |
$933 ($373-$1,866) |
| Roof Replacement |
$8,397 ($5,132-$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467-$3,266) |
| Divorce (Contested) |
$13,995 ($4,665-$27,990) |
| DUI Defense |
$4,665 ($1,866-$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746-$2,799) |
| Will Preparation |
$467 ($187-$933) |
| Trust Preparation |
$2,333 ($933-$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$42) |
| Women's Haircut |
$51 ($28-$93) |
| Hair Coloring (Full) |
$140 ($70-$233) |
| Manicure |
$23 ($14-$42) |
| Pedicure |
$37 ($23-$61) |
| Massage (1 Hour) |
$75 ($47-$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80-$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33-$4.67) |
| Loaf of Bread |
$3.55 ($2.33-$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80-$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73-$7.00) |
| Rice (per lb) |
$0.93 ($0.56-$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75-$233) |
| Natural Gas (Monthly) |
$65 ($28-$140) |
| Water/Sewer (Monthly) |
$65 ($37-$112) |
| Internet (Monthly) |
$65 ($37-$93) |
| Cell Phone Plan (Monthly) |
$61 ($28-$93) |
| Cable TV (Monthly) |
$79 ($47-$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70-$467) |
| Car Insurance (Annual) |
$1,866 ($1,120-$3,266) |
| Bus Pass (Monthly) |
$65 ($28-$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46-$23) |
| Car Registration (Annual) |
$93 ($28-$233) |
| Driver's License Renewal |
$28 ($14-$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560-$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467-$1,866) |
| After-School Care (Monthly) |
$373 ($187-$653) |
| Tutoring (Per Hour) |
$47 ($23-$93) |
| SAT/ACT Prep Course |
$933 ($373-$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665-$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28-$93) |
| Dog Vaccination (Annual) |
$93 ($47-$187) |
| Dog Grooming |
$56 ($28-$93) |
| Pet Boarding (Per Night) |
$37 ($19-$70) |
| Dog Spay/Neuter |
$280 ($140-$467) |
| Cat Spay/Neuter |
$187 ($93-$373) |
View all 9 services
Frequently Asked Questions About Liberty
What is the population of Liberty?
Liberty has a population of 1,958 residents and is located in Indiana. The population density is 2,478 people per square mile, spread across 0.9 square miles. The median age of residents is 44.1 years, which is older than the national median of 38.9 years. The population is 52.6% female and 47.4% male.
Is Liberty expensive to live in?
Liberty is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $46,801, 38% below the national average of $75,149. The median home value is $122,000 (57% below the U.S. median). Renters pay a median of $745 per month, below the national average of $1,163. The home price-to-income ratio is 2.6x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Liberty?
Liberty has a four-season climate with an average annual temperature of 54°F (12°C). Winter temperatures average 29°F in January, while summers reach an average of 75°F in July. Annual rainfall totals 43.7 inches, with 24.9 inches of snow.
How is the job market in Liberty?
Liberty has a healthy job market with an unemployment rate of 3.0%, near the national average of 3.6%. The average weekly wage is $845. There are 150 business establishments in the area, including 11 restaurants and food service locations. The average commute time is 28 minutes, and 0.9% of workers work from home.
How much does housing cost in Liberty?
The median home value in Liberty is $122,000. Zillow estimates the typical home value at $199,703. According to Redfin, the median sale price is $150,000, with homes typically selling within 11 days. For renters, the median monthly rent is $745. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 74.3%. The average annual property tax is $1,775.
How are the schools in Liberty?
Schools in Liberty score 6.3 out of 10 on standardized testing, near the national average. 20.4% of adults in Liberty hold a bachelor's degree or higher, below the national average of 33.7%. 86.3% have completed high school. 6.6% hold a graduate or professional degree.
How healthy is Liberty?
The obesity rate in Liberty is 37.1% (above the national rate of 32.1%). 16.3% of adults are smokers. 22.7% are physically inactive. 27.3% of residents report depression. 6.2% lack health insurance (below the national rate). 62.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:7,047.
What is transportation like in Liberty?
The average commute in Liberty is 28 minutes. 88.2% of workers drive alone to work, and 0.9% work from home.
What are the demographics of Liberty?
The racial and ethnic makeup of Liberty is 93.1% White, 1.2% Black or African American, 1.3% Asian. 99.7% of residents speak only English at home. 9.8% of the population are military veterans. 19.3% of residents have a disability. 93.8% have health insurance coverage.