The typical owner-occupied home in Hardin is worth about $110,200, 61% below the Texas median of $283,800 and 67% below the national median of $332,700. Owners pay a median $1,395 a year in property taxes, about 1.27% of their home's value, lower than the Texas rate of 1.49%. The median household earns $53,203 a year, so the median home costs 2.1 times the median income (3.6 times for Texas). 77% of occupied homes here are lived in by their owners, and 35% of those owners still have a mortgage.
Hardin at a glance
| Hardin | Texas | U.S. | |
|---|---|---|---|
| Median home value | $110,200 | $283,800 | $332,700 |
| Median property tax paid per year | $1,395 | $4,232 | $3,119 |
| Property tax as a share of value | 1.27% | 1.49% | 0.94% |
| Median household income | $53,203 | $78,476 | $80,734 |
| Homes lived in by their owners | 77% | 63% | 65% |
| Owner homes with a mortgage | 35% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,652 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 36.3% | 21.7% | 21.0% |
| Median rent | $1,425 | $1,403 | $1,413 |
| Rent as a share of renters' income | 38.8% | 30.9% | 30.6% |
| Median year homes were built | 1979 | 1992 | 1980 |
| Vacant homes | 31.4% | 9.4% | 10.1% |
| Population | 621 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Hardin
At this week's average 30-year rate of 7.11%, buying the median Hardin home of $110,200 with 20% down costs about $756 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $939, 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 $32,383 for the 20%-down payment. That payment is 17% of the median Hardin household income of $53,203; at that income and 20% down, the 28% guideline points to a home of about $181,000.
The median rent here is $1,425 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $22,040 |
|---|---|
| Loan amount | $88,160 |
| Principal and interest | $593 |
| Property taxes (1.27% a year) | $117 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $756 |
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| Down payment | $3,857 |
|---|---|
| Loan amount | $108,204 |
| Principal and interest | $728 |
| Property taxes (1.27% a year) | $117 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $49 |
| Total per month | $939 |
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Questions about home buying in Hardin
What is the median home value in Hardin?
About $110,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hardin?
Homeowners pay a median $1,395 a year, which is about 1.27% 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?
For the median home with 20% down at 7.11%, the payment is about $756 a month. Keeping that under 28% of gross income takes about $32,383 a year.
More about Hardin
- Mortgage Refinance in Hardin
- Debt Relief in Hardin
- Home Equity Loans in Hardin
- 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