Median Income
$44,205
41% lower than US avg
Home Value
$182,100
35% lower than US avg
Violent Crime
504/100K
33% higher than US avg
Bachelor's+
17.5%
48% lower than US avg
Median Rent
$758
35% lower than US avg
Obesity Rate
41.7%
30% higher than US avg
Unemployment
6.1%
69% higher than US avg
Poverty Rate
10.4%
16% lower than US avg
How Liberty Compares to the U.S. Average (100% = U.S. avg)
People
Population367
Median Age34.4 yrs
Density316/mi²
Male / Female55% / 45%
Largest GroupWhite 92%
Veterans6.6%
Economy
B
Median Income$44,205
Per Capita$25,152
Unemployment6.1%
Poverty10.4%
County GDP$843M
Commute31 min
Housing
A
Home Value$182,100
Rent$758
Ownership61.8%
Zillow$333,698
Housing Units178
Rent Burden51.0%
Crime
F
Violent504/100K
Property1,915/100K
Health
Obesity41.7%
Uninsured14.2%
Smoking25.4%
Depression33.1%
Heart Disease7.7%
Climate
Avg Temp59°F (15°C)
AQI40 (Good)
Rain56.8 in/yr
Sunny Days299/yr
Elevation636 ft (194 m)
Education
C
Bachelor's+17.5%
High School+91.1%
Graduate+4.7%
School Score5.55
Community
2024 VoteR 82% / D 17%
Commute31 min
Broadband85.5%
EV Stations2
Libraries2
Is Liberty a Good Place to Live?
Based on current data, Liberty receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include affordable housing, abundant sunshine. Areas to be aware of include elevated crime rates, above-average unemployment, a high uninsured rate. Liberty has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Liberty is $44,205, 41% below the national average of $75,149. The unemployment rate of 6.1% is somewhat elevated compared to the national rate of 3.6%. 10.4% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Liberty is $182,100, 35% below the national median / offering relatively affordable homeownership. Renters pay a median of $758 per month, below the national average / a plus for affordability. A price-to-income ratio of 4.1x indicates a reasonably affordable housing market.
Safety & Crime
The violent crime rate of 504 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 1,915 per 100,000, near the national average.
Education
17.5% of residents hold a bachelor's degree, below the national average of 33.7%. 91.1% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Liberty enjoys a moderate climate with an average annual temperature of 59°F. Winters average 38°F in January while summers reach 79°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 56.8 inches. Air quality is rated Good with a median AQI of 40.
Liberty has a population of 367 with a density of 316 people per square mile, spread across 1.2 square miles. The median age is 34.4 years, 12% younger than the national median of 38.9. The gender split is 45% female and 55% male. The city is predominantly White (91.8%), with 1.1% Hispanic. English is the primary language spoken at home by 98.9% of residents. 6.6% of the population are veterans. 17.9% of residents have a disability (above the 13.0% national average). 91.6% have health insurance coverage.
Population
34.4yrs
Median Age
12% below US avg
Language Spoken at Home
English Only
98.9%
26% above US avg
Spanish
1.1%
92% below US avg
The median household income in Liberty is $44,205, which is 41% below the national average of $75,149. Per capita income is $25,152 (below the $39,052 national figure). The average weekly wage is $1,023, 29% lower than the U.S. average. The unemployment rate is 6.1% (above the 3.6% US average). 10.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 418 business establishments, including 28 restaurants. The cost of living index is 91.9, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 31 minutes. 1.2% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $44,205 |
| 41% below US avg |
| Per Capita Income | $25,152 |
| Avg Weekly Wage | $1,023 |
| IRS Avg AGI | $66,092 |
| Gini Index | 0.474 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 6.1% |
| 69% above US avg |
| Poverty Rate | 10.4% |
| 16% below US avg |
| Establishments (County) | 418 |
| County GDP | $843M |
Business (County)
| Restaurants | 28 |
| Healthcare | 30 |
| Retail | 54 |
| Manufacturing | 17 |
Tax & Cost of Living
| Property Tax (IRS) | $3,324 |
| 5% below US avg |
| Cost of Living | 91.90 (100=avg) |
| Effective Tax Rate | 1.83% |
Commute & Transportation
| Commute Time | 31.0 min |
| Drive Alone | 89.2% |
| Public Transit | 0.0% |
| Work from Home | 1.2% |
The median home value in Liberty is $182,100, 35% below the national median of $281,900. Zillow estimates the typical home value at $333,698, higher than the Census estimate. Monthly rent averages $758 (35% below the national average of $1,163). Fair market rent ranges from $924 for a one-bedroom to $1,118 for a two-bedroom apartment. 61.8% of housing units are owner-occupied. There are 178 total housing units in the city. The median year a home was built is 1971. The average annual property tax is $3,324. 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 4.1x.
Home Values
| Census Median | $182,100 |
| 35% below US avg |
| Zillow ZHVI | $333,698 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $758 |
| 35% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $882 |
| 1 Bedroom | $924 |
| 2 Bedrooms | $1,118 |
| 3 Bedrooms | $1,445 |
| 4 Bedrooms | $1,644 |
Ownership & Property
| Homeownership | 61.8% |
| Owner-Occupied | 61.8% |
| Renter-Occupied | 38.2% |
| Housing Units | 178 |
| Median Year Built | 1971 |
Property Tax
| Avg Tax (IRS) | $3,324 |
| 5% below US avg |
| Effective Rate | 1.83% |
In Liberty, 41.7% of adults are obese, above the national rate of 32.1%. 13.9% have diabetes (above the 10.5% national rate). Heart disease affects 7.7% of residents, above the national average. 40.2% have high blood pressure. 25.4% are current smokers (above the 14.0% national rate). 15.2% report binge drinking. 32.4% are physically inactive, above the national average. 33.1% report depression (above the 20.0% national average). 23.7% experience frequent mental distress. 14.2% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,522. The dentist ratio is 1:4,098. 34.1% of residents have access to exercise opportunities. The food environment index is 7.9 out of 10.
Health Metrics: Liberty vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.7% |
| 30% above US avg |
| Diabetes | 13.9% |
| Heart Disease | 7.7% |
| High Blood Pressure | 40.2% |
| Asthma | 11.6% |
| COPD | 11.6% |
| Cancer | 7.4% |
| Stroke | 4.1% |
Behaviors & Mental Health
| Smoking | 25.4% |
| 81% above US avg |
| Binge Drinking | 15.2% |
| Physical Inactivity | 32.4% |
| Depression | 33.1% |
| Mental Distress | 23.7% |
| Physical Distress | 18.2% |
| Short Sleep | 40.3% |
Healthcare Access
| Insurance Rate | 91.6% |
| Uninsured | 14.2% |
| 65% above US avg |
| Primary Care | 1:2,522 |
| Dentists | 1:4,098 |
| Mental Health | 1:3,423 |
| Checkup Rate | 74.4% |
| Dental Visits | 48.0% |
| Premature Death | 12,786/100K |
Food & Exercise
| Food Environment | 7.9/10 |
| Exercise Access | 34.1% |
| Healthcare Facilities | 30 |
Liberty has a violent crime rate of 504 per 100,000 residents, 33% above the national average of 380. Property crime stands at 1,915 per 100,000, 2% below the U.S. average. The county recorded 5 fatal traffic crashes. Overall, Liberty receives a safety grade of F.
Crime Rates: Liberty vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 504.0/100K |
| 33% above US avg |
| |
Property Crime
| Total Property | 1,915.3/100K |
| 2% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Traffic Accidents | 10 |
| Avg Accident Severity | 2.4 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Liberty enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winters average 38°F in January while summers reach 79°F in July. The area gets 299 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 56.8 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 40. The city sits at an elevation of 636 feet.
Temperature
38°F Jan (3°C)
79°F Jul (26°C)
| Annual Average | 59.4°F |
| 10% above US avg |
| January Average | 38°F (3°C) |
| July Average | 79°F (26°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 636 ft (194 m) |
| Area | 1.2 sq mi (3.0 km²) |
| Population Density | 316/sq mi |
| Coordinates | 36.0045°N, 85.9778°W |
| Timezone | America/Chicago |
| County | Smith County County |
| Nearest Airport | Nashville International (BNA)
40 miles away |
Precipitation & Snow
Annual Rainfall
56.8"
49% above US avg
Wettest Month (Mar)
5.75"
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 18.8 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 40.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
70 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.6 on Mar 10, 2024.
| Dec 8, 2001 |
5 km SW of Pleasant Groves, Alabama |
M3.9 |
146 km |
| Jun 17, 1998 |
9 km SSE of Coalfield, Tennessee |
M3.6 |
143 km |
| Jun 19, 2007 |
10 km ENE of Spencer, Tennessee |
M3.5 |
60 km |
| Mar 18, 1995 |
10 km SE of Dayton, Tennessee |
M3.3 |
114 km |
| Mar 21, 2001 |
7 km ESE of Trenton, Georgia |
M3.2 |
138 km |
| Mar 7, 2001 |
5 km WNW of Decatur, Tennessee |
M3.2 |
115 km |
| Apr 5, 1994 |
10 km N of Trenton, Georgia |
M3.2 |
123 km |
| Mar 7, 2001 |
6 km NW of Decatur, Tennessee |
M3.2 |
114 km |
| May 10, 2020 |
7 km SSE of Sewanee, Tennessee |
M3.1 |
96 km |
| Jan 15, 1993 |
1 km N of Apison, Tennessee |
M3.1 |
138 km |
| Nov 1, 2009 |
1 km ESE of South Cleveland, Tennessee |
M3.0 |
140 km |
| Aug 7, 2006 |
8 km NNE of Trenton, Georgia |
M2.9 |
128 km |
| Jul 28, 1990 |
3 km WNW of Varnell, Georgia |
M2.9 |
149 km |
| Apr 13, 2014 |
3 km NE of Englewood, Tennessee |
M2.8 |
150 km |
| May 13, 1999 |
7 km NW of Elkmont, Alabama |
M2.8 |
148 km |
| Jun 8, 2014 |
8 km WNW of Dayton, Tennessee |
M2.8 |
96 km |
| May 15, 2000 |
3 km N of Cleveland, Tennessee |
M2.8 |
134 km |
| Sep 20, 1990 |
6 km N of Elkmont, Alabama |
M2.8 |
144 km |
| May 13, 1999 |
11 km S of Pulaski, Tennessee |
M2.8 |
139 km |
| May 10, 2020 |
7 km SSE of Sewanee, Tennessee |
M2.8 |
96 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
498 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 137 fatalities, 1,798 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Mar 3, 2020 |
EF4 |
34 km |
19 |
| Apr 27, 2011 |
EF4 |
89 km |
4 |
| Apr 10, 2009 |
EF4 |
83 km |
2 |
| Jan 24, 1997 |
EF4 |
53 km |
0 |
| Dec 24, 1988 |
EF4 |
84 km |
1 |
| Apr 3, 1974 |
EF4 |
85 km |
7 |
| Apr 3, 1974 |
EF4 |
37 km |
10 |
| Apr 3, 1974 |
EF4 |
99 km |
5 |
| Apr 3, 1974 |
EF4 |
90 km |
10 |
| Feb 13, 1952 |
EF4 |
94 km |
3 |
| Mar 3, 2020 |
EF3 |
90 km |
5 |
| Feb 6, 2008 |
EF3 |
72 km |
4 |
| Feb 5, 2008 |
EF3 |
53 km |
22 |
| Apr 7, 2006 |
EF3 |
79 km |
7 |
| May 11, 2003 |
EF3 |
39 km |
0 |
| May 11, 2003 |
EF3 |
90 km |
0 |
| May 5, 2003 |
EF3 |
98 km |
0 |
| Nov 10, 2002 |
EF3 |
80 km |
4 |
| Apr 28, 2002 |
EF3 |
45 km |
0 |
| Apr 16, 1998 |
EF3 |
85 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (4,635 ac, 2001).
| Year |
Name |
Acres |
Distance |
| 2001 |
UNNAMED |
4,635 |
87 km |
| 2001 |
UNNAMED |
4,213 |
91 km |
| 1999 |
UNNAMED |
2,638 |
66 km |
| 2001 |
UNNAMED |
2,084 |
78 km |
| 2016 |
BRIDGE CREEK ROAD |
1,777 |
93 km |
| 2016 |
BENCH BLUFF |
1,715 |
81 km |
| 2001 |
UNNAMED |
1,691 |
83 km |
| 2003 |
UNNAMED |
1,635 |
63 km |
| 2003 |
UNNAMED |
1,259 |
99 km |
| 2001 |
UNNAMED |
1,250 |
81 km |
| 2004 |
UNNAMED |
1,236 |
56 km |
| 2001 |
UNNAMED |
1,210 |
79 km |
| 1999 |
UNNAMED |
1,201 |
73 km |
| 2009 |
LOWER FORD RD |
1,108 |
63 km |
| 2001 |
UNNAMED |
1,057 |
65 km |
| 2003 |
UNNAMED |
828 |
92 km |
| 2021 |
GOULDSTOWN ROAD |
761 |
99 km |
| 2001 |
UNNAMED |
703 |
80 km |
| 1998 |
UNNAMED |
683 |
70 km |
| 2001 |
UNNAMED |
679 |
99 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
38°F (3°C) |
4.4 in |
Coldest |
| February |
40°F (4°C) |
4.3 in |
|
| March |
49°F (9°C) |
5.8 in |
Wettest |
| April |
57°F (14°C) |
4.5 in |
|
| May |
65°F (18°C) |
5.2 in |
|
| June |
73°F (23°C) |
4.2 in |
|
| July |
79°F (26°C) |
4.9 in |
Warmest |
| August |
76°F (24°C) |
4.0 in |
|
| September |
70°F (21°C) |
4.1 in |
|
| October |
59°F (15°C) |
3.5 in |
Driest |
| November |
49°F (9°C) |
4.7 in |
|
| December |
41°F (5°C) |
5.4 in |
|
Liberty has a seasonal temperature swing of 41°F / from 38°F in January to 79°F in July. Total annual precipitation is 54.9 inches, with March being the wettest month (5.8") and October the driest (3.5").
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) |
$230 ($138–$368) |
| Specialist Visit |
$322 ($184–$505) |
| Urgent Care Visit |
$184 ($92–$322) |
| Emergency Room Visit |
$2,022 ($735–$4,595) |
| Dental Cleaning |
$119 ($69–$184) |
| Dental Filling |
$230 ($138–$368) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$69) |
| Oil Change (Synthetic) |
$69 ($46–$110) |
| Brake Pad Replacement |
$276 ($138–$460) |
| Tire Rotation |
$37 ($18–$69) |
| New Tires (Set of 4) |
$551 ($368–$919) |
| Battery Replacement |
$184 ($92–$322) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$92 ($55–$138) |
| Electrician (Per Hour) |
$83 ($46–$129) |
| HVAC Repair |
$368 ($138–$735) |
| HVAC System Install |
$6,433 ($3,676–$11,028) |
| Roof Repair |
$919 ($368–$1,838) |
| Roof Replacement |
$8,271 ($5,055–$13,785) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,379 ($460–$3,217) |
| Divorce (Contested) |
$13,785 ($4,595–$27,570) |
| DUI Defense |
$4,595 ($1,838–$9,190) |
| Bankruptcy (Chapter 7) |
$1,379 ($735–$2,757) |
| Will Preparation |
$460 ($184–$919) |
| Trust Preparation |
$2,298 ($919–$4,595) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$51 ($28–$92) |
| Hair Coloring (Full) |
$138 ($69–$230) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$119) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.77 ($2.76–$5.05) |
| Dozen Eggs (per dozen) |
$3.22 ($2.30–$4.60) |
| Loaf of Bread |
$3.49 ($2.30–$5.05) |
| Chicken Breast (per lb) |
$4.14 ($2.76–$5.97) |
| Ground Beef (per lb) |
$5.05 ($3.68–$6.89) |
| Rice (per lb) |
$0.92 ($0.55–$1.65) |
View all 20 services
Utilities
| Electricity (Monthly) |
$129 ($74–$230) |
| Natural Gas (Monthly) |
$64 ($28–$138) |
| Water/Sewer (Monthly) |
$64 ($37–$110) |
| Internet (Monthly) |
$64 ($37–$92) |
| Cell Phone Plan (Monthly) |
$60 ($28–$92) |
| Cable TV (Monthly) |
$78 ($46–$138) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$184 ($69–$460) |
| Car Insurance (Annual) |
$1,838 ($1,103–$3,217) |
| Bus Pass (Monthly) |
$64 ($28–$119) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.35–$23) |
| Car Registration (Annual) |
$92 ($28–$230) |
| Driver's License Renewal |
$28 ($14–$69) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,103 ($551–$2,298) |
| Daycare (Toddler, Monthly) |
$919 ($460–$1,838) |
| After-School Care (Monthly) |
$368 ($184–$643) |
| Tutoring (Per Hour) |
$46 ($23–$92) |
| SAT/ACT Prep Course |
$919 ($368–$2,298) |
| Private School (K-12, Annual) |
$11,488 ($4,595–$27,570) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$55 ($28–$92) |
| Dog Vaccination (Annual) |
$92 ($46–$184) |
| Dog Grooming |
$55 ($28–$92) |
| Pet Boarding (Per Night) |
$37 ($18–$69) |
| Dog Spay/Neuter |
$276 ($138–$460) |
| Cat Spay/Neuter |
$184 ($92–$368) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $567 |
| Toddler | $476 |
| Preschool | $476 |
| Family Childcare (monthly) |
| Infant | $393 |
| Toddler | $422 |
| Preschool | $422 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Liberty
What is the population of Liberty?
Liberty has a population of 367 residents and is located in Tennessee. The population density is 316 people per square mile, spread across 1.2 square miles. The median age of residents is 34.4 years, which is younger than the national median of 38.9 years. The population is 45% female and 55% male.
Is Liberty expensive to live in?
Liberty is more affordable than the national average, with a cost of living index of 91.9 / below the baseline of 100. The median household income is $44,205, 41% below the national average of $75,149. The median home value is $182,100 (35% below the U.S. median). Renters pay a median of $758 per month, below the national average of $1,163. The home price-to-income ratio is 4.1x, indicating housing is reasonably affordable relative to local income levels.
Is Liberty safe?
The violent crime rate in Liberty is 504 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 1,915 per 100,000 (below the national average). Overall, Liberty receives a safety grade of F based on combined crime data.
What is the weather like in Liberty?
Liberty enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winter temperatures average 38°F in January, while summers reach an average of 79°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 56.8 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 40.
How is the job market in Liberty?
The unemployment rate in Liberty is 6.1%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $1,023. There are 418 business establishments in the area, including 28 restaurants and food service locations. The average commute time is 31 minutes, and 1.2% of workers work from home.
How much does housing cost in Liberty?
The median home value in Liberty is $182,100. Zillow estimates the typical home value at $333,698. For renters, the median monthly rent is $758. Fair market rent is $924 for a 1-bedroom and $1,118 for a 2-bedroom apartment. The homeownership rate is 61.8%. The average annual property tax is $3,324.
How are the schools in Liberty?
Schools in Liberty score 5.6 out of 10 on standardized testing, near the national average. 17.5% of adults in Liberty hold a bachelor's degree or higher, below the national average of 33.7%. 91.1% have completed high school. 4.7% hold a graduate or professional degree.
How healthy is Liberty?
The obesity rate in Liberty is 41.7% (above the national rate of 32.1%). 25.4% of adults are smokers. 32.4% are physically inactive. 33.1% of residents report depression. 14.2% lack health insurance (above the national rate). 34.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,522.
What is transportation like in Liberty?
The average commute in Liberty is 31 minutes, longer than the national average of 28 minutes. 89.2% of workers drive alone to work, and 1.2% work from home.
What are the demographics of Liberty?
The racial and ethnic makeup of Liberty is 91.8% White, 1.1% Hispanic or Latino. 98.9% of residents speak only English at home. 6.6% of the population are military veterans. 17.9% of residents have a disability. 91.6% have health insurance coverage.
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