Market Overview
Home Prices in Hardin, IL
The median home value in Hardin, IL is $171,117 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.3% compared to a year ago and down 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hardin are priced58% below average. Hardin is part of the St. Louis, MO-IL metro area.
Over the past five years, Hardin home values have risen by approximately0.7%, reflecting modest growth in this market.
Price History
Hardin Home Price Trend
2021
$169,864
$170K
—
2022
$169,502
$170K
-0.2%
2023
$174,941
$175K
+3.2%
2024
$175,764
$176K
+0.5%
2025
$173,443
$173K
-1.3%
2026
$171,117
$171K
-1.3%
City Comparison
Hardin vs. National Median
🏠 Hardin
$171,117
National Median
$410,000
At $171,117, homes in Hardin cost 58% below the national median of $410,000. This makes Hardin a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hardin?
20% Down Payment
$34,223
on $171,117
Monthly P&I
$892/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,133/mo
incl. taxes & insurance
Income Needed
$45,320
gross annual (30% rule)
10% Down Option
$17,112
+ PMI applies
Loan Amount (20% dn)
$136,894
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Hardin, IL?
The median home value in Hardin is $171,117 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.3% year-over-year.
How much have home prices changed in Hardin?
Over the past year, home values in Hardin have decreased by 1.3%. Over five years, prices have risen approximately 0.7%.
How much do I need to earn to buy a home in Hardin?
To comfortably afford the median home price of $171,117 with a 20% down payment ($34,223) at today's rates (6.8%), you'd need a gross annual income of approximately $45,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Hardin compare to the national average home price?
The national median home value is approximately $410,000. At $171,117, homes in Hardin are 58% below the national average.
What metro area is Hardin part of?
Hardin is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.