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City · 11,844 residents · Lawrence County, Tennessee

Lawrenceburg , Tennessee

In Lawrenceburg, a typical home is worth $184,600 and typical rent is $775 a month. Compared with all of Lawrence County, typical household income is 23% lower, the typical home value is 5% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $184,600

    5% below the county

    36% below Tennessee

    • Lawrenceburg
    • Lawrence
    • Tennessee

  • Typical rent

    $775a month

    About the same as the county

    35% below Tennessee

    • Lawrenceburg
    • Lawrence
    • Tennessee

  • Typical household income

    $42,343a year

    23% below the county

    39% below Tennessee

    • Lawrenceburg
    • Lawrence
    • Tennessee

  • Households that own their home

    58%

    20 points below the county

    9 points below Tennessee

    • Lawrenceburg
    • Lawrence
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$236,576
2.6% more than 12 months ago
Typical rent
$1,168 a month

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

Lawrenceburg is in Lawrence 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 Lawrence 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. 58% of households in Lawrenceburg own their home, against 78% in Lawrence County.

  2. The typical household income in Lawrenceburg is $42,343, 23% less than in Lawrence County as a whole ($54,706).

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 Lawrence County: 69% against 78%.

Year built

The typical home in Lawrenceburg was built in 1976, 7 years before the typical one in Lawrence County.

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

By price, most homes in Lawrenceburg sit under the FHA limit for Lawrence County ($541,287): about 91%.

Monthly rent with utilities

About 83% of rented homes in Lawrenceburg cost less than HUD's 2-bedroom fair market rent for Lawrence County ($1,008).

With a mortgage

$1,177 a month

Lawrence County: $1,277 a month

Without a mortgage

$478 a month

Lawrence County: $403 a month

Owners with a mortgage

60%

Lawrence County: 51%

In Lawrenceburg, 60% of owners have a mortgage, and their typical cost is $1,177 a month, against $1,277 in Lawrence County. Without one it drops to $478.

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

The typical home value in Lawrenceburg rose 82% since 2015–2019, more than in Lawrence County (73%).

Rents in Lawrenceburg rose faster than in Lawrence County: 26% since 2015–2019, against 15%.

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

MeasureLawrenceburgLawrence CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.1%2.2%3.4%
People per household 2.242.642.452.53
Drive alone 78%79%76%69%
Carpool 7%8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 12%11%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Lawrenceburg has 2.24 people, fewer than in Lawrence County (2.64).

In Lawrenceburg, 78% of workers drive alone to work; in Lawrence County, 79%.

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 costs more than the typical income allows

We start with a typical home in Lawrenceburg, worth $184,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Lawrenceburg, which is $42,343 a year. For that payment to be 28% of income, a household would need to earn about $63,771 a year.

The calculator's FHA and conventional loan limits are those of all of Lawrence 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 $6,461 (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

$1,488

at 7.18% · 30 years

Loan amount
$181,256
Total interest
$260,785
Paid off in
November 2056

Includes $3,117 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $988 a month

  • Tight

    $988 to $1,270 a month

  • Hard

    more than $1,270 a month

    Your payment · 42%

Compared with the typical household income in Lawrenceburg ($42,343 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,488
Principal & interest$1,228
Property tax$102
Home insurance$77
FHA mortgage insurance (MIP)$82

You need at least $6,461 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 Lawrence County

Lawrenceburg is in Lawrence County, Tennessee. 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
$184,600
Typical monthly rent
$775
Typical yearly household income
$42,343
Households that own their home
58%
Effective property tax rate
0.66%

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

Numbers for all of Lawrence County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,008
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
0.6%

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 Lawrence County.

Everything about Lawrence County

Buying

Buying a home in Lawrenceburg

A typical home in Lawrenceburg is worth $184,600: 5% below the county and 36% below Tennessee. With the typical household income in Lawrenceburg ($42,343 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.

  • Lawrenceburg 4.4 years
  • Lawrence 3.6 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lawrence County

According to FHFA’s house price index, home prices in Lawrence County rose 127% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +3.5% +2.4% +2.9%
5 years (2020–2025) +65% +60% +47%
10 years (2015–2025) +127% +114% +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 Lawrence County, Tennessee and the U.S.

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

Typical home value
  • Lawrenceburg $184,600
  • Lawrence $194,400
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Lawrenceburg $775
  • Lawrence $763
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Lawrenceburg $42,343
  • Lawrence $54,706
  • Tennessee $69,595
  • United States $80,734
See the full table
Lawrenceburg next to Lawrence County and Tennessee
Measure Lawrenceburg Lawrence County Tennessee U.S.
Typical home value $184,600 $194,400 $286,700 $332,700
Typical monthly rent $775 $763 $1,189 $1,413
Typical yearly household income $42,343 $54,706 $69,595 $80,734
Households that own their home 58% 78% 67% 65%
Typical yearly property tax $1,212 $1,021 $1,442 $3,119
Effective property tax rate 0.66% 0.53% 0.5% 0.94%
Renters with high rent for their income 51% 47% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lawrence 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 $184,600 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 $1,488a month

    Least cash to close
    Down payment
    $6,461
    Cash to close
    $11,999
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $82

  • Conventional, 5% down $1,454a month

    Down payment
    $9,230
    Cash to close
    $14,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $88

  • Conventional, 20% down, no PMI $1,179a month

    Down payment
    $36,920
    Cash to close
    $42,458
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,350a month

    Down payment
    $27,690
    Cash to close
    $33,228
    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 Lawrence County.

Property tax

Effective rate in Lawrenceburg

0.66%of the home’s value each year

$1,212 a year for the typical owner in Lawrenceburg.

  • Lawrenceburg 0.66%
  • Lawrence 0.53%
  • Tennessee 0.5%

What Tennessee publishes Property tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)

Exemptions and deadlines in Tennessee

Flood risk in Lawrence County

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

Homes in the high-risk zone
0.6%
114
Of those, with NFIP insurance
12%
County Tennessee U.S.
Homes in the high-risk zone 0.6% 1.6% 3.5%
Of those, with NFIP insurance 12% 25% 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 $775 a month: about the same as the county. In Lawrenceburg, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lawrence County, by unit size. To pay the 2-bedroom one ($1,008 a month) without spending more than 30% of your income, you would need to earn $19.38 an hour working full time.

HUD fair market rent for all of Lawrence 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 $766 $14.73 $30,640
1 bedroom $771 $14.83 $30,840
2 bedrooms $1,008 $19.38 $40,320
3 bedrooms $1,201 $23.10 $48,040
4 bedrooms $1,347 $25.90 $53,880

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 38464.

For 2 bedrooms it is $1,010: $2 more than the fair market rent for Lawrence County ($1,008).

  • 38464 $1,010$1,210

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 7 buildings with rents for lower incomes in Lawrenceburg. These are the largest.

  • M. L. Lumpkins Homes 263 Waterloo St, Lawrenceburg 38464 303 low-income homes · Run by Lawrenceburg Housing Authority · Average payment: $375 a month · Average wait: 7 months (931) 762-7532
  • Lawrenceburg Village Apartments Springer Road, Lawrenceburg 38464 48 low-income homes · 1 bd: 16 · 2 bd: 32 · In service since 1988 · For families
  • Park Ridge Estates of Lawrenceburg 109 Richsmith Dr, Lawrenceburg 38464 44 low-income homes · 3 bd: 27 · 4 bd: 16 · In service since 2010 · For people with disabilities, families
  • Berkley Spring 14 Good Hope Rd, Lawrenceburg 38464 42 low-income homes · 1 bd: 6 · 2 bd: 20 · 3 bd: 16 · In service since 2009 · For people with disabilities
  • New Hope Apartments 1057 Old Florence Rd, Lawrenceburg 38464 19 homes, 18 low-income · For people with disabilities (931) 766-1785

See all 9 buildings in Lawrence 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 Lawrence County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

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 Lawrence County. The ones below are statewide in Tennessee: they work in Lawrenceburg the same as in the rest of the state.

Which programs do I qualify for? All programs in Tennessee

  • Great Choice Plus

    Statewide in Tennessee

    Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage. Offered by Tennessee Housing Development Agency (THDA).

    ForgivableRepayable

    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.

  • Good Neighbor Foundation

    129 W Fowlkes St, Franklin · 53 miles away · Spanish

    Also serves in Arabic.

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (615) 610-4912

  • Life of Victory International Christian Ministries

    144 Bain Dr Ste 200, La Vergne · 67 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (615) 213-1468

  • Operation Hope- Nashville Branch - First Bank

    1817 W End Ave, Nashville · 69 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (615) 768-9059

All counseling agencies in Tennessee

Help in Spanish near Lawrenceburg

2 of the 3 agencies on this list say they serve 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’s record names them for Lawrenceburg or Lawrence County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Tennessee Source: HUD

Cities

Nearby cities

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

Everything about Lawrence County Housing in Tennessee

Neighboring counties

If Lawrence 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
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Lawrenceburg

Short answers with the numbers for Lawrenceburg and all of Lawrence 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 $184,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lawrence County it is $194,400.

How much does it cost to rent in Lawrenceburg?

Typical rent in Lawrenceburg is $775 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lawrence County is $1,008.

What is the FHA loan limit in Lawrenceburg?

Lawrenceburg uses the FHA limit for all of Lawrence 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 $1,212 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Lawrence County, the rate is 0.53%.

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

We found no HUD-approved counseling agencies with an office in Lawrence 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).