Yin Lihua was born and grew up in Nanyang Commandery (roughly modern Nanyang, Henan) -- the same commandery that her eventual husband came from. While they were young, he was enamored with her beauty. According to Hou Han Shu, when Liu Xiu was visiting the capital Chang'an, he became impressed with the mayor of the capital (zhijinyu, 執金吾) and, already impressed by Yin's beauty, he made the remarks: "If I were to be an official, I want to be zhijinyu; if I were to marry, I want to marry Yin Lihua".