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Bedford, IN

Cost of living in Lawrence County, IN

Estimated monthly cost
$2,646/mo
for a single person, all categories combined

Population 45,077 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $707 27%
Healthcare $480 18%
Federal tax $473 18%
Transport $320 12%
Groceries $318 12%
Energy $199 8%
State tax $99 4%
Water $50 2%

Rent in Lawrence County

Fair Market Rents by bedroom count.

Studio
$652
per month
1 bedroom
$707
per month
2 bedroom
$928
per month
3 bedroom
$1,123
per month
4 bedroom
$1,462
per month

Source: HUD FMR FY2025

Income and earnings in Lawrence County

Annual earnings figures from the Census ACS.

Household income
$65,551
per year
Individual earnings
$38,977
per year
Per capita
$33,401
per year

Source: ACS 2019-2023 5-Year.

Home values in Lawrence County

Average values reported by homeowners.

Average home value
$164,500
Annual property tax
$994

Source: ACS 2019-2023 5-Year

Energy costs in Lawrence County

Estimated monthly electricity and gas costs.

Electricity
$142
per month · 15.8¢/kWh
Natural gas
$57
per month
Annual total
$2,388
per year

Source: EIA

Healthcare in Lawrence County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Lawrence County

State and local tax rates for Indiana.

State income tax
3.0%
Flat rate
State sales tax
7.0%
Combined sales tax
7.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Lawrence County

Commute patterns and estimated costs.

Average commute
26.4 min
Drive alone
81.9%
Public transit
0.0%
Work from home
5.6%

Source: ACS

Monthly cost estimates for Lawrence County

What it costs to live in Lawrence County each month.

Single person
$2,646
per month
  • Rent $707
  • Energy $199
  • Water $50
  • Groceries $318
  • Transport $320
  • Healthcare $480
  • Federal tax $473
  • State tax $99
Couple
$3,948
per month
  • Rent $928
  • Energy $239
  • Water $60
  • Groceries $527
  • Transport $420
  • Healthcare $864
  • Federal tax $743
  • State tax $167
Family
$6,271
per month
  • Rent $1,123
  • Energy $298
  • Water $70
  • Groceries $800
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $743
  • State tax $167

Frequently asked questions about Lawrence County

Common questions about cost of living, rent and salary.

What is the average rent in Lawrence County?

In Lawrence County, IN, a one-bedroom apartment averages $707 per month, a two-bedroom averages $928 per month, a three-bedroom averages $1,123 per month, according to HUD Fair Market Rent data.

What is the average salary in Lawrence County?

In Lawrence County, IN, the average household income is $65,551 per year and individual earnings for full-time workers average $38,977 per year, according to U.S. Census Bureau data.

What is the cost of living in Lawrence County?

The estimated cost of living in Lawrence County, IN is approximately $2,646 per month for a single person, $3,948 for a couple, $6,271 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Lawrence County?

The combined sales tax rate in Lawrence County, IN is 7.00%, which includes the Indiana state rate of 7.00% plus an average local rate of 0.00%.

Is Lawrence County an affordable place to live?

Based on the data, a single person in Lawrence County, IN would need approximately $2,646 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $65,551 per year ($5,463 per month). Lawrence County is relatively affordable compared to the national average.

How much does healthcare cost in Lawrence County?

The ACA marketplace benchmark premium in Lawrence County, IN is approximately $480 per month for an individual. Approximately 6.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Lawrence County?

The average home value in Lawrence County, IN is $164,500, with average annual property taxes of $994, according to U.S. Census Bureau data.

How does Lawrence County compare to other areas?

You can compare Lawrence County, IN with any other US county using our comparison tool at /compare. Lawrence County is in the Bedford, IN metro area.

Other counties in Indiana

Browse the full list of counties in Indiana, ranked by cost of living.

See all counties in Indiana

Compare Lawrence County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources