Hardin County, Ohio home prices
Typical home $191,242 · +4.7% in a year · property tax 1.05%
The typical home in Hardin County is worth $191,242, 22% less than the Ohio typical home ($245,982). Values changed +4.7% in the past year and +28.6% over five years. Homeowners here pay a median 1.05% of their home's value in property tax each year ($2,011 on the typical home), versus 1.22% 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 | $38,248 | $152,993 | $1,029 | $0 | $263 | $1,292 | $55,400 |
| 10% down | $19,124 | $172,118 | $1,158 | $72 | $263 | $1,493 | $64,000 |
| 5% down | $9,562 | $181,680 | $1,222 | $76 | $263 | $1,561 | $66,900 |
| 3.5% down (FHA) | $6,693 | $187,778 | $1,263 | $85 | $263 | $1,611 | $69,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.05% 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 Ohio.
Ohio counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wyandot County | $191,318 | +4.1% | 0.86% |
| Allen County | $190,690 | +5.1% | 1.12% |
| Coshocton County | $191,924 | +6.8% | 0.95% |
| Noble County | $189,907 | +3.6% | 0.72% |
| Sandusky County | $188,459 | +4.2% | 1.03% |
| Huron County | $195,481 | +4.6% | 1.05% |
| Van Wert County | $186,641 | +3.3% | 0.91% |
| Adams County | $186,518 | +1.5% | 0.83% |
| Defiance County | $185,991 | +3.8% | 1.07% |
| Athens County | $185,595 | +3.5% | 1.17% |
Frequently asked questions
What is the average home price in Hardin County, OH?
The typical home value in Hardin County is $191,242 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hardin County?
About $55,400 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 1.05% of home value a year (Census ACS 2024 5-year estimates).