Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$158,579+5.2% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 11% have cut their price
Income needed to buy, per year$34,377About 0.8× the local median income ($45,433): affordable for a typical household
Days on market59 daysFaster than a year ago: sellers have the edge
The typical home in Hardeman County, TN is worth $158,579, up 5.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $115,581, so the area is 37.2% overvalued. It is a balanced market: homes take about 59 days to sell, listings are up 4% from a year ago, 11% of listings have had a price cut. A household needs about $34,377 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 $45,433. In the latest IRS figures, 149 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
$158,579
Change in 1 year
+5.2%
Overvalued %
+37.2%
Show 6 more
Fair home value
$115,581
Change in 5 years
+34.2%
Home value to income
3.5×
Monthly mortgage payment (20% down)
$859
Income needed to afford it
$34,377
Property tax rate
0.63%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$995
Market activity
Listings vs a year ago
+4.2%
Days on market
59
Listings with a price cut
11.2%
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Homes for sale
75
Pending sales per 100 listings
15
Asking price per sq ft
$140
People and jobs
Median household income
$45,433
Population change (1 year)
−1.0%
Unemployment rate
9.8%
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Population
25,274
Income adjusted for cost of living
$53,514
Net moves in (IRS)
+149
Cost of living (US = 100)
84.9
Schools, risk and environment
School rating (1 to 10)
3.0
FEMA hazard risk score (0 to 100)
63.0
Flood risk score
30.3
Show 3 more
Wildfire risk score
34.9
Walkability (1 to 20)
3.7
Road, rail and air noise
53 dB
Questions people ask
Is Hardeman County, TN overvalued?
Home prices in Hardeman County, TN are well above what local incomes have historically supported: fair value is about $115,581, so the area is 37.2% overvalued.
Is Hardeman County, TN a buyer's or seller's market?
Hardeman County, TN is a balanced market: homes take about 59 days to sell, listings are up 4% from a year ago, 11% of listings have had a price cut.
Are home prices going down in Hardeman County, TN?
Home values in Hardeman County, TN are up 5.2% over the last year.
How much do you need to earn to buy a home in Hardeman County, TN?
A household needs about $34,377 a year to afford the typical home in Hardeman County, TN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $45,433.