Market Overview
Home Prices in Hardinsburg, KY
The median home value in Hardinsburg, KY is $184,276 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.6% compared to a year ago and up 6.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hardinsburg are priced55% below average.
Over the past five years, Hardinsburg home values have risen by approximately29.8%, reflecting strong long-term appreciation in this market.
Price History
Hardinsburg Home Price Trend
2020
$120,852
$121K
—
2021
$142,003
$142K
+17.5%
2022
$167,864
$168K
+18.2%
2023
$173,218
$173K
+3.2%
2024
$179,018
$179K
+3.3%
2025
$191,243
$191K
+6.8%
2026
$184,276
$184K
-3.6%
City Comparison
Hardinsburg vs. National Median
🏠 Hardinsburg
$184,276
National Median
$410,000
At $184,276, homes in Hardinsburg cost 55% below the national median of $410,000. This makes Hardinsburg a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hardinsburg?
20% Down Payment
$36,855
on $184,276
Monthly P&I
$961/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,220/mo
incl. taxes & insurance
Income Needed
$48,800
gross annual (30% rule)
10% Down Option
$18,428
+ PMI applies
Loan Amount (20% dn)
$147,421
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 Hardinsburg, KY?
The median home value in Hardinsburg is $184,276 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.6% year-over-year.
How much have home prices changed in Hardinsburg?
Over the past year, home values in Hardinsburg have decreased by 3.6%. Over five years, prices have risen approximately 29.8%.
How much do I need to earn to buy a home in Hardinsburg?
To comfortably afford the median home price of $184,276 with a 20% down payment ($36,855) at today's rates (6.8%), you'd need a gross annual income of approximately $48,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Hardinsburg compare to the national average home price?
The national median home value is approximately $410,000. At $184,276, homes in Hardinsburg are 55% below the national average.