Liberty, Indiana.
Typical home $194,343 (+10.7% in a year). Cincinnati, OH-KY-IN metro.
to buy the typical home at today's mortgage rate — +$562 (+123%) since Jan 2020.
- 1 year
- Up $18,743 +11%
- $175,600$194,343 since Sep 2025
- 5 years
- Up $42,619 +28%
- $151,723$194,343 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Liberty$1,020
- Indiana$1,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Liberty, IN rose 10.7% over the past year — faster than the nation's +1.2%.
Living in Liberty, Union County, Indiana
Liberty is a town of 2,000 people in Union County. 68% of its homes are lived in by their owners and 32% are rented. Unemployment in Union County was 2.7% in August 2026, and the county had 3.8% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Liberty is a small town in Union County, Indiana, where most homes are lived in by their owners and typical home values are modest. Winters are cold, with January the coldest month, and the town sees snow most winters. Summers turn warm, with July the warmest month, and rain and melted snow fall steadily through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by shops, manufacturing and government. Among the largest workplaces in Liberty are the Union County/College Corner Joint School District schools, Protech Powder Coatings and Whitewater Valley REMC. Unemployment in the county is low and has held steady over the past year, and the typical commute is fairly long, which suggests many people travel out of town for work.
Things to do. Whitewater Memorial State Park, a protected area, lies in or beside town and is the closest place to get outdoors. Elkhorn Creek, a river, is a short drive away. For a museum visit, the Richmond Art Museum is a longer drive away.
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- 1,016households
- 22%of adults have a degree
- 19%below the poverty line
- 28 mintypical commute
- 1%work from home
What residents work in
Employed residents by industry, from the Census survey. Union County had 1,695 jobs in 2025, 3.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 20°; warmest in July, with highs near 87° and lows near 64°. About 18 inches of snow and 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Brookville weather station, 15 miles away (NOAA).
Largest workplaces in Liberty
- Union Co/Clg Corner Joint Sch Dist SchoolsSchool district190FTE
- Protech Powder CoatingsPowder coatings manufacturing27
- Whitewater Valley REMCDistribution of electric power27
- Union County Cooperative - LibertyAgricultural chemicals merchant wholesalers21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 75 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windVery high
- TornadoesRelatively high
- Inland floodingRelatively moderate
- Cold wavesRelatively moderate
- LightningRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Liberty’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Union County and the Cincinnati, OH-KY-IN metro.
Liberty home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Liberty$194,343
- Indiana$257,165
- United States$366,157
Sellers are cutting prices on about 1 in 3 Liberty listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Liberty36.72%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Liberty27
New listings per month
Sellers arriving at the market.
- Liberty8
Zip codes with a Liberty address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Liberty — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.