Hardin County, KY Average Home Price (2026)
The average home price in Hardin County, Kentucky is about $226,000 (the 2026 median across 8 ZIP codes, at ~$167/sq ft) — 25% more expensive than the Kentucky median and 22% more affordable than the typical U.S. home.
How Hardin County compares
Hardin County is about average for housing nationally: its typical home costs $226,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $166,000 to $285,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hardin County | $226,000 | $167 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Hardin County home prices by ZIP code
The 8 most valuable ZIP codes in Hardin County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 40162 Rineyville | $285,000 | $154 | +26% |
| 42701 Elizabethtown | $268,000 | $163 | +19% |
| 42740 Glendale | $252,000 | $206 | +12% |
| 42724 Cecilia | $229,000 | $183 | +1% |
| 42776 Sonora | $223,000 | $158 | -1% |
| 40160 Radcliff | $211,000 | $149 | -7% |
| 42732 Eastview | $179,000 | $189 | -21% |
| 42712 Big Clifty | $166,000 | $170 | -27% |
Home value appreciation in Hardin County
Home prices in Hardin County have risen about 90% over the last 10 years (≈6.6% a year) and +106.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.7% — still rising. A home worth $226,000 today was worth roughly $119,010 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Kentucky is +84.1% 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 $226,000 home in Hardin County with 20% down, you need a household income of roughly $61,000 a year (about $1,430 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $73,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,300 | $1,780/mo | $76,000/yr |
| 10% (+PMI) | $22,600 | $1,700/mo | $73,000/yr |
| 20% | $45,200 | $1,430/mo | $61,000/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 $167 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 | 900 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1200 sq ft | around the typical home here |
| $250k | 1500 sq ft | around the typical home here |
| $300k | 1800 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2400 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 Kentucky.
Estimate a specific home in Hardin County
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Hardin County home prices: frequently asked
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Browse all Kentucky 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.