Market Overview
Home Prices in Harlan, KY
The median home value in Harlan, KY is $101,381 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 11.1% compared to a year ago and up 14.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harlan are priced75% below average.
Over the past five years, Harlan home values have risen by approximately40.9%, reflecting strong long-term appreciation in this market.
Price History
Harlan Home Price Trend
2020
$64,956
$65K
—
2021
$71,944
$72K
+10.8%
2022
$80,617
$81K
+12.1%
2023
$92,303
$92K
+14.5%
2024
$99,932
$100K
+8.3%
2025
$113,979
$114K
+14.1%
2026
$101,381
$101K
-11.1%
City Comparison
Harlan vs. National Median
🏠 Harlan
$101,381
National Median
$410,000
At $101,381, homes in Harlan cost 75% below the national median of $410,000. This makes Harlan a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Harlan?
20% Down Payment
$20,276
on $101,381
Monthly P&I
$529/mo
30-yr @ 6.8%
Total Monthly Est.
~$672/mo
incl. taxes & insurance
Income Needed
$26,880
gross annual (30% rule)
10% Down Option
$10,138
+ PMI applies
Loan Amount (20% dn)
$81,105
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 Harlan, KY?
The median home value in Harlan is $101,381 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 11.1% year-over-year.
How much have home prices changed in Harlan?
Over the past year, home values in Harlan have decreased by 11.1%. Over five years, prices have risen approximately 40.9%.
How much do I need to earn to buy a home in Harlan?
To comfortably afford the median home price of $101,381 with a 20% down payment ($20,276) at today's rates (6.8%), you'd need a gross annual income of approximately $26,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Harlan compare to the national average home price?
The national median home value is approximately $410,000. At $101,381, homes in Harlan are 75% below the national average.