Peter Taylor Hubbard was born around 1848 in Indiana to George Hubbard and Charlotte Stewart. His father was a blacksmith who owned $400 of real estate by 1850. He probably grew up in Vernon, Indiana. He married Sarah Elizabeth Hays on September 23, 1869, and they had at least two children: Lillie, born around 1871; and Osella, born around 1877. They lived in Darlington, Indiana, and Hubbard worked as a blacksmith. His wife may have died in the late 1800s, and he married Annie M. Reed on November 11, 1899. He died in Orleans, Indiana, on March 10, 1900.