Market Overview
Home Prices in Hardin, KY
The median home value in Hardin, KY is $148,613 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 17.9% compared to a year ago and up 9.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hardin are priced64% below average.
Over the past five years, Hardin home values have risen by approximately5.0%, reflecting modest growth in this market.
Price History
Hardin Home Price Trend
2020
$126,264
$126K
—
2021
$141,566
$142K
+12.1%
2022
$156,480
$156K
+10.5%
2023
$165,885
$166K
+6.0%
2024
$165,048
$165K
-0.5%
2025
$181,112
$181K
+9.7%
2026
$148,613
$149K
-17.9%
City Comparison
Hardin vs. National Median
🏠 Hardin
$148,613
National Median
$410,000
At $148,613, homes in Hardin cost 64% 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
$29,723
on $148,613
Monthly P&I
$775/mo
30-yr @ 6.8%
Total Monthly Est.
~$984/mo
incl. taxes & insurance
Income Needed
$39,360
gross annual (30% rule)
10% Down Option
$14,861
+ PMI applies
Loan Amount (20% dn)
$118,890
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, KY?
The median home value in Hardin is $148,613 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 17.9% year-over-year.
How much have home prices changed in Hardin?
Over the past year, home values in Hardin have decreased by 17.9%. Over five years, prices have risen approximately 5.0%.
How much do I need to earn to buy a home in Hardin?
To comfortably afford the median home price of $148,613 with a 20% down payment ($29,723) at today's rates (6.8%), you'd need a gross annual income of approximately $39,360. 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 $148,613, homes in Hardin are 64% below the national average.