Hardeman County, Tennessee home prices
Typical home $158,579 · +5.2% in a year · property tax 0.63%
The typical home in Hardeman County is worth $158,579, 52% less than the Tennessee typical home ($330,844). Values changed +5.2% in the past year and +34.2% over five years. Homeowners here pay a median 0.63% of their home's value in property tax each year ($996 on the typical home), versus 0.46% statewide.
Mortgage on the typical Hardeman County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,716 | $126,863 | $853 | $0 | $162 | $1,016 | $43,500 |
| 10% down | $15,858 | $142,721 | $960 | $59 | $162 | $1,182 | $50,600 |
| 5% down | $7,929 | $150,650 | $1,013 | $63 | $162 | $1,238 | $53,100 |
| 3.5% down (FHA) | $5,550 | $155,707 | $1,047 | $70 | $162 | $1,280 | $54,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.63% 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 Tennessee.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Chester County | $164,234 | +0.8% | 0.52% |
| Obion County | $166,805 | +7.4% | 0.52% |
| Perry County | $170,720 | +2.2% | 0.53% |
| McNairy County | $172,914 | +5.6% | 0.38% |
| Haywood County | $175,513 | +4.1% | 0.62% |
| Dyer County | $175,680 | +3.5% | 0.63% |
| Hancock County | $176,431 | +9.4% | 0.45% |
| Carroll County | $177,700 | +2.5% | 0.58% |
| Lauderdale County | $139,096 | +14.7% | 0.59% |
| Gibson County | $178,894 | +2.1% | 0.66% |
Frequently asked questions
What is the average home price in Hardeman County, TN?
The typical home value in Hardeman County is $158,579 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hardeman County?
About $43,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hardeman County?
The median effective rate is 0.63% of home value a year (Census ACS 2024 5-year estimates).