In Lawrenceburg, a typical home is worth $227,600 and typical rent is $767 a month. Compared with all of Dearborn County, typical household income is 40% lower, typical rent is 9% lower, and the share of households that own their home is 27 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $179,768 to $246,521.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lawrenceburg is in Dearborn County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Dearborn County. See the county
What this place has that others do not, from public data, most unusual first.
1
58% of households in Lawrenceburg own their home, against 85% in Dearborn County.
2
The typical household income in Lawrenceburg is $51,250,40% less than in Dearborn County as a whole ($84,735).
3
Nearby, in Greensburg, the typical home value is $191,400: 16% less than in Lawrenceburg ($227,600).
4
Lawrenceburg has the 9th lowest typical rent of the 132 cities in Indiana with more than 5,000 people ($767).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lawrenceburg
What homes there are in Lawrenceburg, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Lawrenceburg
Dearborn County
Indiana
United States
Kind of home: Lawrenceburg and its comparisons
Measure
Lawrenceburg
Dearborn County
Indiana
United States
Detached house
47%
82%
73%
61%
Attached house
15%
4%
4%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
37%
8%
13%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Lawrenceburg are varied: detached houses are the largest group, at 47%, against 82% in Dearborn County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Lawrenceburg
Dearborn County
Indiana
United States
Year built: Lawrenceburg and its comparisons
Measure
Lawrenceburg
Dearborn County
Indiana
United States
Before 1960
28%
25%
31%
26%
1960–1979
20%
22%
24%
24%
1980–1999
18%
30%
23%
25%
2000–2009
17%
14%
12%
14%
2010 or later
18%
8%
10%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K34%
$200K–$300K49%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lawrenceburg and its comparisons
Measure
Lawrenceburg
Under $100K
Unreliable estimate
$100K–$200K
34%
$200K–$300K
49%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50030%
$500–$99939%
$1,000–$1,499Unreliable
HUD fair market rent, 2 bedrooms: $1,442
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lawrenceburg and its comparisons
Measure
Lawrenceburg
Under $500
30%
$500–$999
39%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a HUD fair market rent of $1,442 for 2 bedrooms, at least 69% of rented homes in Lawrenceburg sit below it.
With a mortgage
$1,181 a month
Dearborn County: $1,518 a month
Without a mortgage
$509 a month
Dearborn County: $522 a month
Owners with a mortgage
70%
Dearborn County: 65%
Owning costs less in Lawrenceburg: with a mortgage, the typical cost is $1,181 a month; in Dearborn County, $1,518. Without one, $509.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lawrenceburg+62%
Dearborn County+43%
Indiana+54%
United States+53%
Typical rent
LawrenceburgNo clear change
Dearborn County+14%
Indiana+29%
United States+33%
Typical household income
LawrenceburgNo clear change
Dearborn County+23%
Indiana+28%
United States+29%
Change since 2015–2019: Lawrenceburg and its comparisons
Measure
Lawrenceburg
Dearborn County
Indiana
United States
Typical home value
+62%
+43%
+54%
+53%
Typical rent
No clear change
+14%
+29%
+33%
Typical household income
No clear change
+23%
+28%
+29%
The typical home value in Lawrenceburg rose 62% since 2015–2019, more than in Dearborn County (43%).
The typical rent in Lawrenceburg stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lawrenceburg and its comparisons
Measure
Lawrenceburg
Dearborn County
Indiana
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.8%
3.4%
People per household
2.08
2.49
2.46
2.53
Drive alone
73%
78%
76%
69%
Carpool
11%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
10%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Lawrenceburg are smaller: 2.08 people on average; in Dearborn County, 2.49.
To get to work, 73% of workers in Lawrenceburg drive alone; in Dearborn County, 78%.
Do the math
What would you pay each month for a home in Lawrenceburg?
A typical home costs more than the typical income allows
We start with a typical home in Lawrenceburg, worth $227,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Lawrenceburg, which is $51,250 a year. For that payment to be 28% of income, a household would need to earn about $79,032 a year.
The calculator's FHA and conventional loan limits are those of all of Dearborn County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Lawrenceburg. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,966 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,844
at 7.18% · 30 years
Loan amount
$223,478
Total interest
$321,532
Paid off in
November 2056
Includes $3,844 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,196 a month
Tight
$1,196 to $1,537 a month
Hard
more than $1,537 a month
Your payment · 43%
Compared with the typical household income in Lawrenceburg ($51,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,514
Property tax
$135
Home insurance
$95
FHA mortgage insurance (MIP)
$101
You need at least $7,966 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,844; principal and interest $1,514.
The city and its county
Lawrenceburg and Dearborn County
Lawrenceburg is in Dearborn County, Indiana. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Lawrenceburg
Map of Dearborn County, Indiana, with Lawrenceburg marked. Around it, the neighboring counties.
Lawrenceburg
Dearborn County
Other cities with a page
Lawrenceburg's own numbers
Typical home value
$227,600
Typical monthly rent
$767
Typical yearly household income
$51,250
Households that own their home
58%
Effective property tax rate
0.71%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Dearborn County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.6%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Dearborn County.
A typical home in Lawrenceburg is worth $227,600: 6% below the county and 4% above Indiana. With the typical household income in Lawrenceburg ($51,250 a year), a typical home costs 4.4 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Lawrenceburg4.4 years
Dearborn2.9 years
Indiana3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Dearborn County
According to FHFA’s house price index, home prices in Dearborn County rose 94% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Dearborn County.
Yearly change in FHFA’s price index in Dearborn County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +3.2% +3.2% 2017
2018: +5.0% +5.0% 2018
2019: +5.6% +5.6% 2019
2020: +3.9% +3.9% 2020
2021: +11.5% +11.5% 2021
2022: +15.1% +15.1% 2022
2023: +7.8% +7.8% 2023
2024: +9.1% +9.1% 2024
2025: +4.0% +4.0% 2025
Change in FHFA’s price index in Dearborn County, Indiana and the United States
Period
County
Indiana
U.S.
Last year (2025)
+4.0%
+4.3%
+2.9%
5 years (2020–2025)
+57%
+53%
+47%
10 years (2015–2025)
+94%
+95%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Lawrenceburg next to Dearborn County, Indiana and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Lawrenceburg$227,600
Dearborn$243,400
Indiana$218,200
United States$332,700
Typical monthly rent
Lawrenceburg$767
Dearborn$845
Indiana$1,062
United States$1,413
Typical yearly household income
Lawrenceburg$51,250
Dearborn$84,735
Indiana$71,957
United States$80,734
See the full table
Lawrenceburg next to Dearborn County and Indiana
Measure
Lawrenceburg
Dearborn County
Indiana
U.S.
Typical home value
$227,600 ▼6% below the county
$243,400
$218,200
$332,700
Typical monthly rent
$767 ▼9% below the county
$845
$1,062
$1,413
Typical yearly household income
$51,250 ▼40% below the county
$84,735
$71,957
$80,734
Households that own their home
58% ▼27 points below the county
85%
71%
65%
Typical yearly property tax
$1,615 ▼10% below the county
$1,789
$1,614
$3,119
Effective property tax rate
0.71% ▼0.03 points below the county
0.74%
0.74%
0.94%
Renters with high rent for their income
38% ▲1 points above the county
37%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dearborn County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Lawrenceburg
For a typical $227,600 home in Lawrenceburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lawrenceburg's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,844a month
Least cash to close
Down payment
$7,966
Cash to close
$14,794
Rate
7.18%
Mortgage insurance
FHA MIP · $101
Conventional, 5% down$1,802a month
Down payment
$11,380
Cash to close
$18,208
Rate
7.18%
Mortgage insurance
PMI · $108
Conventional, 20% down, no PMI$1,463a month
Down payment
$45,520
Cash to close
$52,348
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,673a month
Down payment
$34,140
Cash to close
$40,968
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lawrenceburg
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,844
$7,966
$223,478
7.18%
FHA MIP · $101
$14,794
580
Conventional, 5% down
$1,802
$11,380
$216,220
7.18%
PMI · $108
$18,208
620*
Conventional, 20% down, no PMI
$1,463
$45,520
$182,080
7.18%
None
$52,348
620*
ITIN, 15% down (example)
$1,673
$34,140
$193,460
8.18%
None
$40,968
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Lawrenceburg is $767 a month: 9% below the county. In Lawrenceburg, 38% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Dearborn County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Dearborn County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,128
$21.69
$45,120
2 bedrooms
$1,442
$27.73
$57,680
3 bedrooms
$1,897
$36.48
$75,880
4 bedrooms
$2,141
$41.17
$85,640
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Lawrenceburg
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lawrenceburg is in ZIP code 47025.
For 2 bedrooms it is $1,200: $242 less than the fair market rent for Dearborn County ($1,442).
Fair market rent by ZIP code and size in Lawrenceburg, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
47025
$880
$940
$1,200
$1,580
$1,780
ZIP code2 bd3 bd
47025 $1,200$1,580
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lawrenceburg when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Dearborn County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Lawrenceburg or Dearborn County. The ones below are statewide in Indiana: they work in Lawrenceburg the same as in the rest of the state.
Indiana state agency program with down payment assistance of 2.5% or 3.5% of the price, alongside a 30-year FHA or conventional mortgage.Offered by Indiana Housing and Community Development Authority (IHCDA).
Indiana state agency 30-year FHA or conventional mortgage for first-time buyers (or homes in designated areas), with down payment assistance as a second mortgage with no interest or payments, repaid when the first mortgage ends.Offered by Indiana Housing and Community Development Authority (IHCDA).
The HUD-approved agencies closest to the center of Lawrenceburg, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Lawrenceburg or Dearborn County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Lawrenceburg and all of Dearborn County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Lawrenceburg?
The typical home value in Lawrenceburg is $227,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dearborn County it is $243,400.
How much does it cost to rent in Lawrenceburg?
Typical rent in Lawrenceburg is $767 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dearborn County is $1,442.
What is the FHA loan limit in Lawrenceburg?
Lawrenceburg uses the FHA limit for all of Dearborn County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Lawrenceburg?
The typical homeowner in Lawrenceburg pays $1,615 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Dearborn County, the rate is 0.74%.
Where can I find free help to buy or rent in Lawrenceburg?
We found no HUD-approved counseling agencies with an office in Dearborn County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
