Hardin County, Texas home prices
Typical home $230,858 · +2.2% in a year · property tax 1.09%
The typical home in Hardin County is worth $230,858, 22% less than the Texas typical home ($296,424). Values changed +2.2% in the past year and +6.0% over five years. Homeowners here pay a median 1.09% of their home's value in property tax each year ($2,512 on the typical home), versus 1.32% 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 | $46,172 | $184,686 | $1,242 | $0 | $325 | $1,567 | $67,200 |
| 10% down | $23,086 | $207,772 | $1,398 | $87 | $325 | $1,809 | $77,500 |
| 5% down | $11,543 | $219,315 | $1,475 | $91 | $325 | $1,891 | $81,100 |
| 3.5% down (FHA) | $8,080 | $226,676 | $1,525 | $102 | $325 | $1,952 | $83,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.09% 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 Texas · part of the Beaumont metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hill County | $229,092 | +0.7% | 1.16% |
| Taylor County | $228,744 | +9.9% | 1.37% |
| El Paso County | $233,084 | +2.5% | 2.03% |
| Liberty County | $233,304 | -3.2% | 1.17% |
| Jack County | $228,017 | +0.0% | 0.98% |
| Cherokee County | $233,774 | -1.0% | 1.16% |
| Navarro County | $227,542 | +1.7% | 1.2% |
| Freestone County | $227,480 | -2.3% | 0.94% |
| Tom Green County | $227,293 | -4.6% | 1.29% |
| Comanche County | $235,551 | +6.1% | 1.35% |
Frequently asked questions
What is the average home price in Hardin County, TX?
The typical home value in Hardin County is $230,858 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hardin County?
About $67,200 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 1.09% of home value a year (Census ACS 2024 5-year estimates).