Hardin County, OH Average Home Price (2026)
The average home price in Hardin County, Ohio is about $195,000 (the 2026 median across 9 ZIP codes, at ~$158/sq ft) — 14% more affordable than the Ohio median and 33% more affordable than the typical U.S. home.
How Hardin County compares
Hardin County is relatively affordable for housing nationally: its typical home costs $195,000 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $92,000 to $286,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hardin County | $195,000 | $158 |
| Ohio | $225,500 | $160 |
| 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 |
|---|---|---|---|
| 43310 Belle Center | $286,000 | $199 | +47% |
| 45810 Ada | $232,000 | $158 | +19% |
| 43340 Mount Victory | $227,000 | $123 | +16% |
| 45835 Dola | $196,000 | $179 | +1% |
| 45843 Arlington | $195,000 | $93 | +0% |
| 43326 Kenton | $182,000 | $110 | -7% |
| 45836 Dunkirk | $169,000 | $176 | -13% |
| 45812 Alger | $163,000 | $161 | -16% |
| 45859 McGuffey | $92,000 | $61 | -53% |
Home value appreciation in Hardin County
Home prices in Hardin County have risen about 98% over the last 10 years (≈7.1% a year) and +91.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.5% — still rising. A home worth $195,000 today was worth roughly $98,336 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Ohio is +93.4% 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 $195,000 home in Hardin 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 | $1,540/mo | $66,000/yr |
| 10% (+PMI) | $19,500 | $1,470/mo | $63,000/yr |
| 20% | $39,000 | $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 Hardin County
At about $158 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 | 950 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1270 sq ft | around the typical home here |
| $250k | 1580 sq ft | around the typical home here |
| $300k | 1900 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2530 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 Ohio.
Estimate a specific home in Hardin County
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Hardin County home prices: frequently asked
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Browse all Ohio 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.