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City · 11,943 residents · Anderson County, Kentucky

Lawrenceburg , Kentucky

In Lawrenceburg, a typical home is worth $201,100 and typical rent is $954 a month. Compared with all of Anderson County, typical household income is 11% lower, the typical home value is 11% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $201,100

    11% below the county

    2% below Kentucky

    • Lawrenceburg
    • Anderson
    • Kentucky

  • Typical rent

    $954a month

    3% above the county

    About the same as Kentucky

    • Lawrenceburg
    • Anderson
    • Kentucky

  • Typical household income

    $66,486a year

    11% below the county

    4% above Kentucky

    • Lawrenceburg
    • Anderson
    • Kentucky

  • Households that own their home

    69%

    8 points below the county

    1 points above Kentucky

    • Lawrenceburg
    • Anderson
    • Kentucky

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$267,278
1.6% more than 12 months ago
Typical rent
$1,284 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Lawrenceburg is in Anderson 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 Anderson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lawrenceburg apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Harrodsburg, the typical home value is $154,200: 23% less than in Lawrenceburg ($201,100).

  2. Nearby, in Harrodsburg, the typical rent is $790: 17% less than in Lawrenceburg ($954).

  3. 69% of households in Lawrenceburg own their home, against 78% in Anderson County.

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

The detached house is still the most common home in Lawrenceburg, but it weighs less than in Anderson County: 80% against 83%.

Year built

By age, homes in Lawrenceburg look like those in Anderson County: the typical year built is 1990.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,325 a month

Anderson County: $1,391 a month

Without a mortgage

$357 a month

Anderson County: $411 a month

Owners with a mortgage

67%

Anderson County: 59%

Owning costs about the same in Lawrenceburg as in Anderson County: with a mortgage, $1,325 a month; without one, $357.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Lawrenceburg rose 53%; in Anderson County, it rose 50%.

The typical rent in Lawrenceburg rose 37% over the same time; in Anderson County, it rose 31%.

The typical household income in Lawrenceburg rose 32%: less than home values (+53%) and rent (+37%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLawrenceburgAnderson CountyKentuckyUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.0%3.4%
People per household 2.622.512.432.53
Drive alone 80%81%77%69%
Carpool 9%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 8%10%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Lawrenceburg has 2.62 people on average, about the same as in Anderson County (2.51).

In Lawrenceburg, 80% of workers drive alone to work; in Anderson County, 81%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Lawrenceburg?

A typical home is tight for the typical income

We start with a typical home in Lawrenceburg, worth $201,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Lawrenceburg, which is $66,486 a year. For that payment to be 28% of income, a household would need to earn about $70,548 a year.

The calculator's FHA and conventional loan limits are those of all of Anderson County.

Your numbers

Local data
$

Starts at the typical home value in Lawrenceburg. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,039 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,646

at 7.18% · 30 years

Loan amount
$197,457
Total interest
$284,094
Paid off in
November 2056

Includes $3,396 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,551 a month

  • Tight

    $1,551 to $1,995 a month

    Your payment · 30%

  • Hard

    more than $1,995 a month

Compared with the typical household income in Lawrenceburg ($66,486 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,646
Principal & interest$1,338
Property tax$136
Home insurance$84
FHA mortgage insurance (MIP)$89

You need at least $7,039 for the down payment, plus closing costs.

Next step

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.

The city and its county

Lawrenceburg and Anderson County

Lawrenceburg is in Anderson County, Kentucky. 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's own numbers

Typical home value
$201,100
Typical monthly rent
$954
Typical yearly household income
$66,486
Households that own their home
69%
Effective property tax rate
0.81%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Anderson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,121
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
1.5%

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 Anderson County.

Everything about Anderson County

Buying

Buying a home in Lawrenceburg

A typical home in Lawrenceburg is worth $201,100: 11% below the county and 2% below Kentucky. With the typical household income in Lawrenceburg ($66,486 a year), a typical home costs 3.0 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.

  • Lawrenceburg 3.0 years
  • Anderson 3.0 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Anderson County

According to FHFA’s house price index, home prices in Anderson County rose 90% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Anderson County.

Period County Kentucky U.S.
Last year (2025) +4.6% +3.9% +2.9%
5 years (2020–2025) +55% +50% +47%
10 years (2015–2025) +90% +84% +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 Anderson County, Kentucky and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Lawrenceburg $201,100
  • Anderson $225,100
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Lawrenceburg $954
  • Anderson $927
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Lawrenceburg $66,486
  • Anderson $74,488
  • Kentucky $63,726
  • United States $80,734
See the full table
Lawrenceburg next to Anderson County and Kentucky
Measure Lawrenceburg Anderson County Kentucky U.S.
Typical home value $201,100 $225,100 $205,600 $332,700
Typical monthly rent $954 $927 $967 $1,413
Typical yearly household income $66,486 $74,488 $63,726 $80,734
Households that own their home 69% 78% 68% 65%
Typical yearly property tax $1,632 $1,697 $1,544 $3,119
Effective property tax rate 0.81% 0.75% 0.75% 0.94%
Renters with high rent for their income 46% 46% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Anderson 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 $201,100 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 $1,646a month

    Least cash to close
    Down payment
    $7,039
    Cash to close
    $13,072
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $89

  • Conventional, 5% down $1,609a month

    Down payment
    $10,055
    Cash to close
    $16,088
    Rate
    7.18%
    Mortgage insurance
    PMI · $96

  • Conventional, 20% down, no PMI $1,309a month

    Down payment
    $40,220
    Cash to close
    $46,253
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,495a month

    Down payment
    $30,165
    Cash to close
    $36,198
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Lawrenceburg and for Anderson County.

Property tax

Effective rate in Lawrenceburg

0.81%of the home’s value each year

$1,632 a year for the typical owner in Lawrenceburg.

  • Lawrenceburg 0.81%
  • Anderson 0.75%
  • Kentucky 0.75%

What Kentucky publishes Homestead exemption for owners 65 or older or totally disabled (Kentucky Department of Revenue)

Exemptions and deadlines in Kentucky

Flood risk in Anderson County

FEMA does not publish these numbers by city: they are for all of Anderson County.

Homes in the high-risk zone
1.5%
161
Of those, with NFIP insurance
19%
County Kentucky U.S.
Homes in the high-risk zone 1.5% 3.5% 3.5%
Of those, with NFIP insurance 19% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lawrenceburg

Typical rent in Lawrenceburg is $954 a month: 3% above the county. In Lawrenceburg, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Anderson County, by unit size. To pay the 2-bedroom one ($1,121 a month) without spending more than 30% of your income, you would need to earn $21.56 an hour working full time.

HUD fair market rent for all of Anderson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $801 $15.40 $32,040
1 bedroom $1,020 $19.62 $40,800
2 bedrooms $1,121 $21.56 $44,840
3 bedrooms $1,377 $26.48 $55,080
4 bedrooms $1,566 $30.12 $62,640

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 40342.

For 2 bedrooms it is $1,120: $1 less than the fair market rent for Anderson County ($1,121).

  • 40342 $1,120$1,380

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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Lawrenceburg

HUD lists one building with rents for lower incomes in Lawrenceburg.

  • Willow Woods Apartments E. Court Street, Lawrenceburg 40342 24 low-income homes · 1 bd: 12 · 2 bd: 12 · In service since 2015 · For families

See all 1 buildings in Anderson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lawrenceburg

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 Anderson County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Lawrenceburg

No down payment, repair or rent-help program on our list is for Lawrenceburg or Anderson County. The ones below are statewide in Kentucky: they work in Lawrenceburg the same as in the rest of the state.

Which programs do I qualify for? All programs in Kentucky

  • KHC Down Payment Assistance (DPA)

    Statewide in Kentucky

    Kentucky state corporation loan of up to $12,500 for the down payment and closing costs, repaid over 15 years as a second loan, for buyers who take a KHC mortgage. Offered by Kentucky Housing Corporation (KHC).

    Repayable

    See the program Official page

Housing counselors near Lawrenceburg

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.

  • Reach, Inc.

    733 Red Mile Rd, Lexington · 21 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (859) 455-8057

  • Community Ventures Corporation

    1450 N Broadway, Lexington · 23 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (859) 231-0054

  • Apprisen - Lexington

    3499 Blazer Pkwy, Lexington · 26 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

All counseling agencies in Kentucky

Help in Spanish near Lawrenceburg

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Lawrenceburg

HUD lists no housing authority with an office in Anderson County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Kentucky Source: HUD

Cities

Nearby cities

The cities closest to Lawrenceburg, with the typical home value.

Everything about Anderson County Housing in Kentucky

Neighboring counties

If Anderson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Lawrenceburg.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Lawrenceburg

Short answers with the numbers for Lawrenceburg and all of Anderson 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 $201,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Anderson County it is $225,100.

How much does it cost to rent in Lawrenceburg?

Typical rent in Lawrenceburg is $954 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Anderson County is $1,121.

What is the FHA loan limit in Lawrenceburg?

Lawrenceburg uses the FHA limit for all of Anderson 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 $1,632 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Anderson County, the rate is 0.75%.

Where can I find free help to buy or rent in Lawrenceburg?

We found no HUD-approved counseling agencies with an office in Anderson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).