Hardin County, Kentucky Housing Market
In Hardin County, Kentucky, the median home value is $225,800, with a median monthly rent of $971. This places Hardin County at #1121 nationally out of 3134 counties by median home value, and #18 within Kentucky.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $1,034
- Establishments: 3,676
- BLS QCEW, 2025
Housing Supply
- Single-family: 346
- Multi-family: 86
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 44,755 (avg $66,352)
- Outflow: 41,341 (avg $66,775)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 5 active ZIP codes in Hardin County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 40051 | 345.9 | — | 2025 |
| 2 | 42748 | 279.1 | +10.06% | 2025 |
| 3 | 40160 | 277.8 | +9.25% | 2025 |
| 4 | 42701 | 257.1 | +3.39% | 2025 |
| 5 | 40162 | 266.5 | +3.84% | 2025 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
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💰 Mortgage Guide → 🧾 Property Tax Data →How Hardin County Compares
| Metric | Hardin County | Kentucky Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $225,800 | $160,835 | $227,706 |
| Median Gross Rent | $971 | $793 | $968 |
| Owner Occupancy Rate | 62.6% | 73.4% | 73.3% |
| Price/Rent Ratio | 19.4 | 16.6 | 18.7 |
Market Analysis
The median home value in Hardin County is 40.4% above the Kentucky state average and 0.8% below the U.S. national average. The median rent of $971/month is 22.4% above the state average.
With a price-to-rent ratio of 19.4, the buy-vs-rent decision in Hardin County is balanced. Whether buying or renting makes more sense depends on your time horizon, down payment capacity, and local market conditions.
Hardin County has an owner-occupancy rate of 62.6%, compared to 73.4% in Kentucky and 73.3% nationally. This indicates a more renter-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Winnebago County | Wisconsin | $225,800 | $965 |
| Yankton County | South Dakota | $225,900 | $781 |
| Macon County | Tennessee | $225,700 | $846 |
| Washburn County | Wisconsin | $226,100 | $795 |
| Washington County | Colorado | $226,200 | $947 |
Other Counties in Kentucky
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Anderson County | $225,100 | $927 | 77.6% |
| Bourbon County | $229,300 | $822 | 63.7% |
| Simpson County | $229,400 | $1,012 | 66.7% |
| Madison County | $232,000 | $889 | 62.0% |
| Franklin County | $216,600 | $967 | 64.5% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).