Hardin County, IA Average Home Price (2026)
The average home price in Hardin County, Iowa is about $181,000 (the 2026 median across 9 ZIP codes, at ~$131/sq ft) — 13% more affordable than the Iowa median and 37% more affordable than the typical U.S. home.
How Hardin County compares
Hardin County is relatively affordable for housing nationally: its typical home costs $181,000 against $207,500 for Iowa and $289,000 for the U.S. Within the county, ZIP-level values run from about $130,000 to $340,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hardin County | $181,000 | $131 |
| Iowa | $207,500 | $133 |
| United States | $289,000 | $193 |
Hardin County home prices by ZIP code
The 9 most valuable ZIP codes in Hardin County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 50102 Garden City | $340,000 | $179 | +88% |
| 50230 Radcliffe | $202,000 | $103 | +12% |
| 50258 Union | $192,000 | $136 | +6% |
| 50672 Steamboat Rock | $190,000 | $131 | +5% |
| 50206 New Providence | $181,000 | $94 | +0% |
| 50122 Hubbard | $169,000 | $82 | -7% |
| 50126 Iowa Falls | $159,000 | $131 | -12% |
| 50006 Alden | $153,000 | $203 | -15% |
| 50627 Eldora | $130,000 | $84 | -28% |
Home value appreciation in Hardin County
Home prices in Hardin County have risen about 51% over the last 10 years (≈4.2% a year) and +77.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -2.0% — a recent dip. A home worth $181,000 today was worth roughly $120,027 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Iowa is +65.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Hardin County
Run the numbers for Hardin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hardin County
To buy the typical $181,000 home in Hardin County with 20% down, you need a household income of roughly $49,000 a year (about $1,150 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $59,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,100 | $1,430/mo | $61,000/yr |
| 10% (+PMI) | $18,100 | $1,370/mo | $59,000/yr |
| 20% | $36,200 | $1,150/mo | $49,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Hardin County
At about $131 per square foot, here is roughly how much home different budgets get you in Hardin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1150 sq ft | around the typical home here |
| $200k | 1530 sq ft | around the typical home here |
| $250k | 1910 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2290 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3050 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Iowa.
Estimate a specific home in Hardin County
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Hardin County home prices: frequently asked
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Browse all Iowa cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.