Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$184,885−0.1% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$40,079About 0.7× the local median income ($55,611): affordable for a typical household
Days on market91 daysSlower than a year ago: buyers have time to negotiate
The typical home in Hart County, KY is worth $184,885, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $156,998, so the area is 17.8% overvalued. It is a buyer's market: homes take about 91 days to sell, listings are up 2% from a year ago, 21% of listings have had a price cut. A household needs about $40,079 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 $55,611. In the latest IRS figures, 117 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
$184,885
Change in 1 year
−0.1%
Overvalued %
+17.8%
Show 6 more
Fair home value
$156,998
Change in 5 years
+34.0%
Home value to income
3.3×
Monthly mortgage payment (20% down)
$1,002
Income needed to afford it
$40,079
Property tax rate
0.66%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+2.5%
Days on market
91
Listings with a price cut
20.6%
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Homes for sale
81
Pending sales per 100 listings
25
Asking price per sq ft
$158
People and jobs
Median household income
$55,611
Population change (1 year)
+1.0%
Unemployment rate
3.8%
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Population
20,117
Income adjusted for cost of living
$65,195
Net moves in (IRS)
+117
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
4.1
FEMA hazard risk score (0 to 100)
41.1
Flood risk score
49.7
Show 3 more
Wildfire risk score
10.9
Walkability (1 to 20)
3.9
Road, rail and air noise
54 dB
Questions people ask
Is Hart County, KY overvalued?
Home prices in Hart County, KY are well above what local incomes have historically supported: fair value is about $156,998, so the area is 17.8% overvalued.
Is Hart County, KY a buyer's or seller's market?
Hart County, KY is a buyer's market: homes take about 91 days to sell, listings are up 2% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Hart County, KY?
Home values in Hart County, KY are down 0.1% over the last year.
How much do you need to earn to buy a home in Hart County, KY?
A household needs about $40,079 a year to afford the typical home in Hart County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $55,611.