The typical owner-occupied home in Hardin County is worth about $160,400, 44% below the Tennessee median of $286,700 and 52% below the national median of $332,700. Owners pay a median $658 a year in property taxes, about 0.41% of their home's value, lower than the Tennessee rate of 0.50%. The median household earns $49,956 a year, so the median home costs 3.2 times the median income (4.1 times for Tennessee). 78% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
Hardin County at a glance
| Hardin County | Tennessee | U.S. | |
|---|---|---|---|
| Median home value | $160,400 | $286,700 | $332,700 |
| Median property tax paid per year | $658 | $1,442 | $3,119 |
| Property tax as a share of value | 0.41% | 0.50% | 0.94% |
| Median household income | $49,956 | $69,595 | $80,734 |
| Homes lived in by their owners | 78% | 67% | 65% |
| Owner homes with a mortgage | 42% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,074 | $1,566 | $1,963 |
| Those costs as a share of the owners' income | 20.0% | 19.6% | 21.0% |
| Median rent | $775 | $1,189 | $1,413 |
| Rent as a share of renters' income | 26.7% | 29.5% | 30.6% |
| Median year homes were built | 1986 | 1987 | 1980 |
| Vacant homes | 27.4% | 10.2% | 10.1% |
| Population | 27,249 | 7,066,383 | 334,922,499 |
What a typical home costs per month in Hardin County
At this week's average 30-year rate of 7.11%, buying the median Hardin County home of $160,400 with 20% down costs about $985 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,252, 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 $42,208 for the 20%-down payment. That payment is 24% of the median Hardin County household income of $49,956; at that income and 20% down, the 28% guideline points to a home of about $190,000.
The median rent here is $775 a month, so owning the median home costs about $210 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $32,080 |
|---|---|
| Loan amount | $128,320 |
| Principal and interest | $863 |
| Property taxes (0.41% a year) | $55 |
| Homeowners insurance (our estimate, 0.5% a year) | $67 |
| PMI | $0 |
| Total per month | $985 |
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| Down payment | $5,614 |
|---|---|
| Loan amount | $157,495 |
| Principal and interest | $1,059 |
| Property taxes (0.41% a year) | $55 |
| Homeowners insurance (our estimate, 0.5% a year) | $67 |
| FHA mortgage insurance | $71 |
| Total per month | $1,252 |
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Questions about home buying in Hardin County
What is the median home value in Hardin County?
About $160,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hardin County?
Homeowners pay a median $658 a year, which is about 0.41% 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 Hardin County?
For the median home with 20% down at 7.11%, the payment is about $985 a month. Keeping that under 28% of gross income takes about $42,208 a year.
More about Hardin County
- Mortgage Refinance in Hardin County
- Debt Relief in Hardin County
- Home Equity Loans in Hardin County
- 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