Market Overview
Home Prices in Hartford, KY
The median home value in Hartford, KY is $170,266 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 7.4% compared to a year ago and up 16.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hartford are priced58% below average.
Over the past five years, Hartford home values have risen by approximately32.9%, reflecting strong long-term appreciation in this market.
Price History
Hartford Home Price Trend
2020
$135,080
$135K
—
2021
$128,099
$128K
-5.2%
2022
$142,708
$143K
+11.4%
2023
$143,907
$144K
+0.8%
2024
$157,554
$158K
+9.5%
2025
$183,954
$184K
+16.8%
2026
$170,266
$170K
-7.4%
City Comparison
Hartford vs. National Median
🏠 Hartford
$170,266
National Median
$410,000
At $170,266, homes in Hartford cost 58% below the national median of $410,000. This makes Hartford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hartford?
20% Down Payment
$34,053
on $170,266
Monthly P&I
$888/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,128/mo
incl. taxes & insurance
Income Needed
$45,120
gross annual (30% rule)
10% Down Option
$17,027
+ PMI applies
Loan Amount (20% dn)
$136,213
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 Hartford, KY?
The median home value in Hartford is $170,266 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 7.4% year-over-year.
How much have home prices changed in Hartford?
Over the past year, home values in Hartford have decreased by 7.4%. Over five years, prices have risen approximately 32.9%.
How much do I need to earn to buy a home in Hartford?
To comfortably afford the median home price of $170,266 with a 20% down payment ($34,053) at today's rates (6.8%), you'd need a gross annual income of approximately $45,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Hartford compare to the national average home price?
The national median home value is approximately $410,000. At $170,266, homes in Hartford are 58% below the national average.