Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$100,652+0.2% YoY · prices are flat
Market right nowBalanced marketFewer homes for sale than last year, 0% have cut their price
Income needed to buy, per year$21,819About 0.4× the local median income ($54,671): affordable for a typical household
Days on market107 daysSlower than a year ago: buyers have time to negotiate
The typical home in Hardin County, IL is worth $100,652, about the same as a year ago. That is well below what local incomes have historically supported: fair value is about $129,750, so the area is 22.4% undervalued. It is a balanced market: homes take about 107 days to sell, listings are down 16% from a year ago, 0% of listings have had a price cut. A household needs about $21,819 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 $54,671. In the latest IRS figures, 20 more people moved in than out.
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
$100,652
Change in 1 year
+0.2%
Overvalued %
−22.4%
Show 6 more
Fair home value
$129,750
Change in 5 years
−7.2%
Home value to income
1.8×
Monthly mortgage payment (20% down)
$545
Income needed to afford it
$21,819
Property tax rate
0.96%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$930
Market activity
Listings vs a year ago
−15.8%
Days on market
107
Listings with a price cut
0.0%
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Homes for sale
16
Pending sales per 100 listings
12
Asking price per sq ft
$89
People and jobs
Median household income
$54,671
Population change (1 year)
−0.4%
Unemployment rate
2.8%
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Population
3,588
Income adjusted for cost of living
$62,553
Net moves in (IRS)
+20
Cost of living (US = 100)
87.4
Schools, risk and environment
School rating (1 to 10)
4.2
FEMA hazard risk score (0 to 100)
8.3
Flood risk score
15.5
Show 3 more
Wildfire risk score
5.3
Walkability (1 to 20)
4.3
Road, rail and air noise
53 dB
Questions people ask
Is Hardin County, IL overvalued?
Home prices in Hardin County, IL are well below what local incomes have historically supported: fair value is about $129,750, so the area is 22.4% undervalued.
Is Hardin County, IL a buyer's or seller's market?
Hardin County, IL is a balanced market: homes take about 107 days to sell, listings are down 16% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Hardin County, IL?
Home values in Hardin County, IL are up 0.2% over the last year.
How much do you need to earn to buy a home in Hardin County, IL?
A household needs about $21,819 a year to afford the typical home in Hardin County, IL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $54,671.