Hardin County, Kentucky home prices
Typical home $243,023 · -3.1% in a year · property tax 0.66%
The typical home in Hardin County is worth $243,023, 5% more than the Kentucky typical home ($230,909). Values changed -3.1% in the past year and +20.3% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($1,593 on the typical home), versus 0.72% 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 | $48,605 | $194,418 | $1,308 | $0 | $254 | $1,562 | $66,900 |
| 10% down | $24,302 | $218,721 | $1,471 | $91 | $254 | $1,817 | $77,900 |
| 5% down | $12,151 | $230,872 | $1,553 | $96 | $254 | $1,904 | $81,600 |
| 3.5% down (FHA) | $8,506 | $238,621 | $1,605 | $107 | $254 | $1,967 | $84,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.66% 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 Kentucky · part of the Elizabethtown metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Harrison County | $243,748 | +0.7% | 0.66% |
| Trimble County | $244,183 | +0.8% | 0.66% |
| Mercer County | $241,303 | -0.5% | 0.83% |
| Boyle County | $240,277 | +0.8% | 0.82% |
| Franklin County | $248,638 | +0.0% | 0.79% |
| Pendleton County | $237,230 | +3.5% | 0.8% |
| Henry County | $250,928 | +2.4% | 0.81% |
| Simpson County | $253,079 | +0.6% | 0.6% |
| Clark County | $253,267 | +4.8% | 0.71% |
| Washington County | $253,862 | +2.5% | 0.66% |
Frequently asked questions
What is the average home price in Hardin County, KY?
The typical home value in Hardin County is $243,023 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hardin County?
About $66,900 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 0.66% of home value a year (Census ACS 2024 5-year estimates).