Hardeman County, TN Average Home Price (2026)
The average home price in Hardeman County, Tennessee is about $166,500 (the 2026 median across 8 ZIP codes, at ~$139/sq ft) — 38% more affordable than the Tennessee median and 42% more affordable than the typical U.S. home.
How Hardeman County compares
Hardeman County is relatively affordable for housing nationally: its typical home costs $166,500 against $267,000 for Tennessee and $289,000 for the U.S. Within the county, ZIP-level values run from about $145,000 to $201,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hardeman County | $166,500 | $139 |
| Tennessee | $267,000 | $213 |
| United States | $289,000 | $193 |
Hardeman County home prices by ZIP code
The 8 most valuable ZIP codes in Hardeman County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 38042 Hickory Valley | $201,000 | $245 | +21% |
| 38381 Toone | $189,000 | $211 | +14% |
| 38052 Middleton | $182,000 | $158 | +9% |
| 38075 Whiteville | $176,000 | $99 | +6% |
| 38044 Hornsby | $157,000 | $117 | -6% |
| 38039 Grand Junction | $153,000 | $102 | -8% |
| 38008 Bolivar | $148,000 | $131 | -11% |
| 38067 Saulsbury | $145,000 | $146 | -13% |
Home value appreciation in Hardeman County
Home prices in Hardeman County have risen about 78% over the last 10 years (≈5.9% a year) and +80.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $166,500 today was worth roughly $93,803 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Tennessee is +113.5% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Hardeman County
Run the numbers for Hardeman County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hardeman County
To buy the typical $166,500 home in Hardeman County with 20% down, you need a household income of roughly $45,000 a year (about $1,060 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $54,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,300 | $1,310/mo | $56,000/yr |
| 10% (+PMI) | $16,700 | $1,260/mo | $54,000/yr |
| 20% | $33,300 | $1,060/mo | $45,000/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 Hardeman County
At about $139 per square foot, here is roughly how much home different budgets get you in Hardeman County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1080 sq ft | around the typical home here |
| $200k | 1440 sq ft | around the typical home here |
| $250k | 1800 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2160 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 Tennessee.
Estimate a specific home in Hardeman County
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Hardeman County home prices: frequently asked
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Browse all Tennessee 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.