Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$243,023−3.1% YoY · prices are falling fast
Market right nowBuyer's marketFewer homes for sale than last year, 25% have cut their price
Income needed to buy, per year$52,682About 0.7× the local median income ($70,505): affordable for a typical household
Days on market67 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+0.2%Zillow expects prices to stay about flat
The typical home in Hardin County, KY is worth $243,023, down 3.1% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $225,304, so the area is 7.9% overvalued. It is a buyer's market: homes take about 67 days to sell, listings are down 0% from a year ago, 25% of listings have had a price cut. Zillow expects prices to rise about 0.2% over the next year. A household needs about $52,682 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 $70,505. Typical rent is $1,277 a month, or $1,659 for a house. In the latest IRS figures, 198 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
$243,023
Change in 1 year
−3.1%
Overvalued %
+7.9%
Show 7 more
Fair home value
$225,304
Change in 5 years
+20.3%
Zillow forecast, next 12 months
+0.2%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$1,317
Income needed to afford it
$52,682
Property tax rate
0.66%
Rent and investing
Typical rent
$1,277
Typical rent for houses
$1,659
Price-to-rent ratio
15.9×
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HUD Fair Market Rent, 2 bedrooms
$1,087
Gross rental yield
6.31%
Cap rate (estimate)
4.10%
Market activity
Listings vs a year ago
0.0%
Days on market
67
Listings with a price cut
24.9%
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Homes for sale
435
Pending sales per 100 listings
30
Asking price per sq ft
$161
People and jobs
Median household income
$70,505
Population change (1 year)
+0.7%
Unemployment rate
6.6%
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Population
113,482
Income adjusted for cost of living
$77,820
Net moves in (IRS)
−198
Cost of living (US = 100)
90.6
Schools, risk and environment
School rating (1 to 10)
6.3
FEMA hazard risk score (0 to 100)
75.5
Unhealthy air days a year
0
Show 4 more
Flood risk score
73.7
Wildfire risk score
32.8
Walkability (1 to 20)
6.3
Road, rail and air noise
55 dB
Questions people ask
Is Hardin County, KY overvalued?
Home prices in Hardin County, KY are slightly above what local incomes have historically supported: fair value is about $225,304, so the area is 7.9% overvalued.
Is Hardin County, KY a buyer's or seller's market?
Hardin County, KY is a buyer's market: homes take about 67 days to sell, listings are down 0% from a year ago, 25% of listings have had a price cut.
Are home prices going down in Hardin County, KY?
Home values in Hardin County, KY are down 3.1% over the last year. Zillow's forecast for the next 12 months is +0.2%.
How much do you need to earn to buy a home in Hardin County, KY?
A household needs about $52,682 a year to afford the typical home in Hardin County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $70,505.