Hart County, KY Average Home Price (2026)
The average home price in Hart County, Kentucky is about $196,000 (the 2026 median across 8 ZIP codes, at ~$165/sq ft) — 8% more expensive than the Kentucky median and 32% more affordable than the typical U.S. home.
How Hart County compares
Hart County is relatively affordable for housing nationally: its typical home costs $196,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $161,000 to $210,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hart County | $196,000 | $165 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Hart County home prices by ZIP code
The 8 most valuable ZIP codes in Hart County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 42757 Magnolia | $210,000 | $175 | +7% |
| 42722 Canmer | $198,000 | $149 | +1% |
| 42784 Upton | $197,000 | $143 | +1% |
| 42746 Hardyville | $196,000 | $160 | +0% |
| 42765 Munfordville | $196,000 | $170 | +0% |
| 42729 Cub Run | $181,000 | $186 | -8% |
| 42749 Horse Cave | $172,000 | $135 | -12% |
| 42713 Bonnieville | $161,000 | $186 | -18% |
Home value appreciation in Hart County
Home prices in Hart County have risen about 103% over the last 10 years (≈7.3% a year) and +109.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.8% — still rising. A home worth $196,000 today was worth roughly $96,552 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 Hart County
Run the numbers for Hart County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hart County
To buy the typical $196,000 home in Hart County with 20% down, you need a household income of roughly $53,000 a year (about $1,240 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $63,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,800 | $1,550/mo | $66,000/yr |
| 10% (+PMI) | $19,600 | $1,480/mo | $63,000/yr |
| 20% | $39,200 | $1,240/mo | $53,000/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 Hart County
At about $165 per square foot, here is roughly how much home different budgets get you in Hart County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 910 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1210 sq ft | around the typical home here |
| $250k | 1520 sq ft | around the typical home here |
| $300k | 1820 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2420 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 Hart County
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Hart 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.