Hart County, Kentucky home prices
Typical home $184,885 · -0.1% in a year · property tax 0.66%
The typical home in Hart County is worth $184,885, 20% less than the Kentucky typical home ($230,909). Values changed -0.1% in the past year and +34.0% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($1,222 on the typical home), versus 0.72% statewide.
Mortgage on the typical Hart County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,977 | $147,908 | $995 | $0 | $194 | $1,189 | $51,000 |
| 10% down | $18,488 | $166,396 | $1,119 | $69 | $194 | $1,383 | $59,300 |
| 5% down | $9,244 | $175,640 | $1,182 | $73 | $194 | $1,449 | $62,100 |
| 3.5% down (FHA) | $6,471 | $181,536 | $1,221 | $82 | $194 | $1,497 | $64,200 |
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.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Laurel County | $185,139 | -1.5% | 0.57% |
| Bath County | $187,830 | +2.8% | 0.65% |
| Carroll County | $181,740 | -3.3% | 0.76% |
| Pulaski County | $180,412 | -1.3% | 0.63% |
| Fleming County | $179,466 | +1.2% | 0.64% |
| Owen County | $179,321 | -4.1% | 0.72% |
| Green County | $179,312 | +4.4% | 0.65% |
| Lyon County | $179,125 | -8.4% | 0.63% |
| Rowan County | $191,109 | -1.0% | 0.55% |
| Edmonson County | $191,239 | +1.4% | 0.55% |
Frequently asked questions
What is the average home price in Hart County, KY?
The typical home value in Hart County is $184,885 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hart County?
About $51,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hart County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).