Market Overview
Home Prices in Hardy, KY
The median home value in Hardy, KY is $84,450 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 15.9% compared to a year ago and up 2.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hardy are priced79% below average.
Over the past five years, Hardy home values have fallen by approximately11.7%, reflecting softening conditions in this market.
Price History
Hardy Home Price Trend
2020
$81,713
$82K
—
2021
$95,605
$96K
+17.0%
2022
$105,814
$106K
+10.7%
2023
$102,777
$103K
-2.9%
2024
$98,287
$98K
-4.4%
2025
$100,473
$100K
+2.2%
2026
$84,450
$84K
-15.9%
City Comparison
Hardy vs. National Median
🏠 Hardy
$84,450
National Median
$410,000
At $84,450, homes in Hardy cost 79% below the national median of $410,000. This makes Hardy a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hardy?
20% Down Payment
$16,890
on $84,450
Monthly P&I
$440/mo
30-yr @ 6.8%
Total Monthly Est.
~$559/mo
incl. taxes & insurance
Income Needed
$22,360
gross annual (30% rule)
10% Down Option
$8,445
+ PMI applies
Loan Amount (20% dn)
$67,560
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 Hardy, KY?
The median home value in Hardy is $84,450 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 15.9% year-over-year.
How much have home prices changed in Hardy?
Over the past year, home values in Hardy have decreased by 15.9%. Over five years, prices have fallen approximately 11.7%.
How much do I need to earn to buy a home in Hardy?
To comfortably afford the median home price of $84,450 with a 20% down payment ($16,890) at today's rates (6.8%), you'd need a gross annual income of approximately $22,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Hardy compare to the national average home price?
The national median home value is approximately $410,000. At $84,450, homes in Hardy are 79% below the national average.