Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$191,242+4.7% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 24% have cut their price
Income needed to buy, per year$41,457About 0.6× the local median income ($68,612): affordable for a typical household
Days on market61 daysSlower than a year ago: buyers have time to negotiate
The typical home in Hardin County, OH is worth $191,242, up 4.7% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $181,789, so the area is 5.2% overvalued. It is a balanced market: homes take about 61 days to sell, listings are up 67% from a year ago, 24% of listings have had a price cut. A household needs about $41,457 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 $68,612. Typical rent is $1,200 a month. In the latest IRS figures, 125 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
$191,242
Change in 1 year
+4.7%
Overvalued %
+5.2%
Show 6 more
Fair home value
$181,789
Change in 5 years
+28.6%
Home value to income
2.8×
Monthly mortgage payment (20% down)
$1,036
Income needed to afford it
$41,457
Property tax rate
1.05%
Rent and investing
Typical rent
$1,200
Price-to-rent ratio
13.3×
HUD Fair Market Rent, 2 bedrooms
$1,003
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Gross rental yield
7.53%
Cap rate (estimate)
4.89%
Market activity
Listings vs a year ago
+66.7%
Days on market
61
Listings with a price cut
24.4%
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Homes for sale
60
Pending sales per 100 listings
68
Asking price per sq ft
$124
People and jobs
Median household income
$68,612
Population change (1 year)
−0.6%
Unemployment rate
4.6%
Show 4 more
Population
30,072
Income adjusted for cost of living
$77,703
Net moves in (IRS)
+125
Cost of living (US = 100)
88.3
Schools, risk and environment
School rating (1 to 10)
5.4
FEMA hazard risk score (0 to 100)
24.4
Flood risk score
40.2
Show 3 more
Wildfire risk score
1.3
Walkability (1 to 20)
5.8
Road, rail and air noise
51 dB
Questions people ask
Is Hardin County, OH overvalued?
Home prices in Hardin County, OH are slightly above what local incomes have historically supported: fair value is about $181,789, so the area is 5.2% overvalued.
Is Hardin County, OH a buyer's or seller's market?
Hardin County, OH is a balanced market: homes take about 61 days to sell, listings are up 67% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Hardin County, OH?
Home values in Hardin County, OH are up 4.7% over the last year.
How much do you need to earn to buy a home in Hardin County, OH?
A household needs about $41,457 a year to afford the typical home in Hardin County, OH at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $68,612.