Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$207,630+2.4% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 17% have cut their price
Income needed to buy, per year$45,010About 0.8× the local median income ($55,243): affordable for a typical household
Days on market89 daysAbout the same pace as a year ago
The typical home in Hardin County, TN is worth $207,630, up 2.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $180,370, so the area is 15.1% overvalued. It is a buyer's market: homes take about 89 days to sell, listings are up 13% from a year ago, 17% of listings have had a price cut. A household needs about $45,010 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 $55,243. In the latest IRS figures, 181 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
$207,630
Change in 1 year
+2.4%
Overvalued %
+15.1%
Show 6 more
Fair home value
$180,370
Change in 5 years
+33.4%
Home value to income
3.8×
Monthly mortgage payment (20% down)
$1,125
Income needed to afford it
$45,010
Property tax rate
0.41%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$995
Market activity
Listings vs a year ago
+12.8%
Days on market
89
Listings with a price cut
17.3%
Show 3 more
Homes for sale
273
Pending sales per 100 listings
12
Asking price per sq ft
$198
People and jobs
Median household income
$55,243
Population change (1 year)
+1.1%
Unemployment rate
4.7%
Show 4 more
Population
27,983
Income adjusted for cost of living
$65,068
Net moves in (IRS)
+181
Cost of living (US = 100)
84.9
Schools, risk and environment
School rating (1 to 10)
5.5
FEMA hazard risk score (0 to 100)
70.7
Flood risk score
54.4
Show 3 more
Wildfire risk score
28.9
Walkability (1 to 20)
5.0
Road, rail and air noise
54 dB
Questions people ask
Is Hardin County, TN overvalued?
Home prices in Hardin County, TN are well above what local incomes have historically supported: fair value is about $180,370, so the area is 15.1% overvalued.
Is Hardin County, TN a buyer's or seller's market?
Hardin County, TN is a buyer's market: homes take about 89 days to sell, listings are up 13% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Hardin County, TN?
Home values in Hardin County, TN are up 2.4% over the last year.
How much do you need to earn to buy a home in Hardin County, TN?
A household needs about $45,010 a year to afford the typical home in Hardin County, TN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $55,243.