The typical owner-occupied home in Hardy is worth about $14,800, 94% below the Nebraska median of $238,600 and 96% below the national median of $332,700. Owners pay a median $232 a year in property taxes, about 1.57% of their home's value, higher than the Nebraska rate of 1.49%. The median household earns $60,938 a year, so the median home costs 0.2 times the median income (3.1 times for Nebraska). 84% of occupied homes here are lived in by their owners, and 2% of those owners still have a mortgage.
Hardy at a glance
| Hardy | Nebraska | U.S. | |
|---|---|---|---|
| Median home value | $14,800 | $238,600 | $332,700 |
| Median property tax paid per year | $232 | $3,549 | $3,119 |
| Property tax as a share of value | 1.57% | 1.49% | 0.94% |
| Median household income | $60,938 | $76,475 | $80,734 |
| Homes lived in by their owners | 84% | 67% | 65% |
| Owner homes with a mortgage | 2% | 58% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,736 | $1,963 |
| Median rent | – | $1,072 | $1,413 |
| Rent as a share of renters' income | 45.0% | 27.9% | 30.6% |
| Median year homes were built | 1938 | 1975 | 1980 |
| Vacant homes | 34.6% | 7.6% | 10.1% |
| Population | 113 | 1,978,707 | 334,922,499 |
What a typical home costs per month in Hardy
At this week's average 30-year rate of 7.11%, buying the median Hardy home of $14,800 with 20% down costs about $105 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $130, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $4,508 for the 20%-down payment. That payment is 2% of the median Hardy household income of $60,938; at that income and 20% down, the 28% guideline points to a home of about $200,000.
| Down payment | $2,960 |
|---|---|
| Loan amount | $11,840 |
| Principal and interest | $80 |
| Property taxes (1.57% a year) | $19 |
| Homeowners insurance (our estimate, 0.5% a year) | $6 |
| PMI | $0 |
| Total per month | $105 |
Change the numbers in the calculator
| Down payment | $518 |
|---|---|
| Loan amount | $14,532 |
| Principal and interest | $98 |
| Property taxes (1.57% a year) | $19 |
| Homeowners insurance (our estimate, 0.5% a year) | $6 |
| FHA mortgage insurance | $7 |
| Total per month | $130 |
Change the numbers in the calculator
Questions about home buying in Hardy
What is the median home value in Hardy?
About $14,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hardy?
Homeowners pay a median $232 a year, which is about 1.57% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Hardy?
For the median home with 20% down at 7.11%, the payment is about $105 a month. Keeping that under 28% of gross income takes about $4,508 a year.
More about Hardy
- Mortgage Refinance in Hardy
- Debt Relief in Hardy
- Home Equity Loans in Hardy
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data