Hardin County, Iowa home prices
Typical home $145,267 · +1.2% in a year · property tax 1.37%
The typical home in Hardin County is worth $145,267, 39% less than the Iowa typical home ($236,623). Values changed +1.2% in the past year and +20.7% over five years. Homeowners here pay a median 1.37% of their home's value in property tax each year ($1,996 on the typical home), versus 1.27% statewide.
Mortgage on the typical Hardin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $29,053 | $116,214 | $782 | $0 | $239 | $1,021 | $43,700 |
| 10% down | $14,527 | $130,740 | $879 | $54 | $239 | $1,173 | $50,300 |
| 5% down | $7,263 | $138,004 | $928 | $58 | $239 | $1,225 | $52,500 |
| 3.5% down (FHA) | $5,084 | $142,636 | $960 | $64 | $239 | $1,263 | $54,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.37% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Iowa.
Iowa counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Keokuk County | $143,138 | +5.1% | 1.26% |
| Des Moines County | $147,927 | +2.7% | 1.51% |
| Taylor County | $141,844 | +13.7% | 1.26% |
| Page County | $150,044 | +2.6% | 1.41% |
| Wayne County | $140,476 | +5.2% | 1.36% |
| Montgomery County | $139,432 | -4.6% | 1.65% |
| Webster County | $138,265 | +1.1% | 1.39% |
| Calhoun County | $153,847 | +9.8% | 1.32% |
| Franklin County | $155,229 | +6.2% | 1.32% |
| Emmet County | $156,199 | +11.5% | 1.47% |
Frequently asked questions
What is the average home price in Hardin County, IA?
The typical home value in Hardin County is $145,267 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hardin County?
About $43,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hardin County?
The median effective rate is 1.37% of home value a year (Census ACS 2024 5-year estimates).