Market Overview
Home Prices in Hartsville, IN
The median home value in Hartsville, IN is $289,280 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.2% compared to a year ago and up 4.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hartsville are priced29% below average. Hartsville is part of the Columbus, IN metro area.
Over the past five years, Hartsville home values have risen by approximately39.9%, reflecting strong long-term appreciation in this market.
Price History
Hartsville Home Price Trend
City Comparison
Hartsville vs. National Median
At $289,280, homes in Hartsville cost 29% below the national median of $410,000. This makes Hartsville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hartsville?
20% Down Payment
$57,856
on $289,280
Monthly P&I
$1,509/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,916/mo
incl. taxes & insurance
Income Needed
$76,640
gross annual (30% rule)
10% Down Option
$28,928
+ PMI applies
Loan Amount (20% dn)
$231,424
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 Hartsville, IN?
The median home value in Hartsville is $289,280 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.2% year-over-year.
How much have home prices changed in Hartsville?
Over the past year, home values in Hartsville have increased by 5.2%. Over five years, prices have risen approximately 39.9%.
How much do I need to earn to buy a home in Hartsville?
To comfortably afford the median home price of $289,280 with a 20% down payment ($57,856) at today's rates (6.8%), you'd need a gross annual income of approximately $76,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Hartsville compare to the national average home price?
The national median home value is approximately $410,000. At $289,280, homes in Hartsville are 29% below the national average.
What metro area is Hartsville part of?
Hartsville is part of the Columbus, IN metropolitan area. Home prices and market conditions can vary across the broader metro region.