Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$145,267+1.2% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 14% have cut their price
Income needed to buy, per year$31,491About 0.4× the local median income ($72,381): affordable for a typical household
Days on market71 daysSlower than a year ago: buyers have time to negotiate
The typical home in Hardin County, IA is worth $145,267, up 1.2% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $151,615, so the area is 4.2% undervalued. It is a balanced market, leaning toward buyers: homes take about 71 days to sell, listings are up 15% from a year ago, 14% of listings have had a price cut. A household needs about $31,491 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $72,381. In the latest IRS figures, 3 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$145,267
Change in 1 year
+1.2%
Overvalued %
−4.2%
Show 6 more
Fair home value
$151,615
Change in 5 years
+20.7%
Home value to income
2.0×
Monthly mortgage payment (20% down)
$787
Income needed to afford it
$31,491
Property tax rate
1.37%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$927
Market activity
Listings vs a year ago
+15.4%
Days on market
71
Listings with a price cut
13.8%
Show 3 more
Homes for sale
105
Pending sales per 100 listings
27
Asking price per sq ft
$101
People and jobs
Median household income
$72,381
Population change (1 year)
−0.0%
Unemployment rate
4.3%
Show 4 more
Population
16,455
Income adjusted for cost of living
$86,065
Net moves in (IRS)
−3
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
5.2
FEMA hazard risk score (0 to 100)
58.4
Flood risk score
52.9
Show 3 more
Wildfire risk score
39.0
Walkability (1 to 20)
6.3
Road, rail and air noise
52 dB
Questions people ask
Is Hardin County, IA overvalued?
Home prices in Hardin County, IA are slightly below what local incomes have historically supported: fair value is about $151,615, so the area is 4.2% undervalued.
Is Hardin County, IA a buyer's or seller's market?
Hardin County, IA is a balanced market, leaning toward buyers: homes take about 71 days to sell, listings are up 15% from a year ago, 14% of listings have had a price cut.
Are home prices going down in Hardin County, IA?
Home values in Hardin County, IA are up 1.2% over the last year.
How much do you need to earn to buy a home in Hardin County, IA?
A household needs about $31,491 a year to afford the typical home in Hardin County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $72,381.