The story of this market
The typical home in Hardin County, Kentucky sells for about $311,875, or $168 per square foot.
Prices are down 2.76% from a year ago, which gives buyers more room to negotiate. Homes take about 57 days to sell. Over the long run, values in this county have grown 121% since 2000. Last year 12 of 21 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is strong wind, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,087 a month.
HUD sets the fair market rent for a 2-bedroom at $1,087 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+14.5%). Worst: 2009 (-2.7%). Hover to read a year.
Monthly price momentum
Home values since 2015
+4.3%
KY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,505
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 21 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
47
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $36,082,358.
Mortgage activity
Home lending in this county
79.2%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 5142 | 2825 | 79.2% | 12.4% | $175,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Hardin County, Kentucky
Hardin County's housing market is showing signs of stabilization as inventory levels reach year-highs and price growth moderates. While demand remains supported by significant industrial investment and military presence, the increase in days on market suggests a shift toward a more balanced environment for buyers.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 4 cities · 8 ZIP reports
Median prices moved up 5.6% year over year.
Homes spend a median of 66 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 80.38% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 11.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 8 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Hardin County, Kentucky — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 17
researched Sep 17
researched Sep 17
researched Sep 21
researched Sep 21
researched Sep 21
researched Sep 21
researched Sep 17
| 40160 | Radcliff | $251,000 | $145 | +8.5% | 73 | 98% | — | — | 151 | $942 | researched Sep 17 |
| 40162 | Radcliff | $304,600 | $174 | 0% | 53 | — | — | — | 33 | $888 | researched Sep 17 |
| 40175 | Vine Grove | $223,800 | $135 | +4.2% | 58 | 98.5% | 12% | 3.2 | 42 | $1,198 | researched Sep 17 |
| 42701 | Elizabethtown | $290,000 | $159 | -6.1% | 88 | — | — | — | 331 | $934 | researched Sep 21 |
| 42702 | Elizabethtown | $235,500 | $135 | +6% | 27 | 99.6% | 15% | 2.1 | 162 | $1,150 | researched Sep 21 |
| 42724 | Cecilia | $605,000 | $303 | 0% | 55 | 100% | — | — | 35 | $989 | researched Sep 21 |
| 42748 | Hodgenville | $244,000 | $155 | +4.3% | 68 | 97.2% | 12.5% | 5.8 | 82 | $784 | researched Sep 21 |
| 42762 | Millwood | $188,000 | — | 0% | — | — | — | — | — | $1,087 | researched Sep 17 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Crime rates in Hardin County remain generally consistent with regional averages for Kentucky, with localized variations in urban centers like Elizabethtown compared to rural areas.
The county is served by several well-regarded public school districts, including Elizabethtown Independent and Hardin County Schools, which maintain competitive state accountability ratings.
The region faces standard Midwestern climate risks, including occasional severe thunderstorms and wind events, with flood zones primarily concentrated along the Rolling Fork and Nolin River basins.
Economic momentum is anchored by the BlueOval SK Battery Park project and the continued expansion of Fort Knox, driving significant infrastructure and industrial development.
Property taxes are assessed by the Hardin County Property Valuation Administrator based on fair cash value, with specific rates determined by local taxing districts including school boards and municipal governments.
The county offers extensive outdoor recreation including Freeman Lake Park, the Elizabethtown Nature Park, and proximity to Mammoth Cave National Park.
The rental market is experiencing moderate pressure due to workforce influx, with a mix of traditional apartment complexes and single-family rental inventory.
The economy is transitioning from a military-dependent base to a diversified industrial hub, heavily influenced by the automotive and battery manufacturing sectors.
The county is served by major corridors including I-65 and the Western Kentucky Parkway, facilitating regional logistics and commuting.
The Hardin County PVA office conducts annual assessments to ensure property values reflect current market conditions.
Parcels are subject to various special taxing districts including fire protection, ambulance services, and local school district levies.
Property insurance premiums are stable but sensitive to regional weather patterns and the increasing value of residential assets.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A major community hub featuring a 170-acre lake, walking trails, and picnic areas.
A premier regional facility hosting youth tournaments and athletic events.
Features a revitalized square with local boutiques, restaurants, and historic architecture.
Data retrieved from data.census.gov county-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Kentucky is a judicial foreclosure state, requiring a court action to enforce a mortgage or lien. The process involves a court-ordered sale, typically conducted by the master commissioner.
KRS Chapter 426
Property is assessed at its fair cash value (price at a fair voluntary sale). The tax is calculated by applying local and state tax rates to the assessed value. A homestead exemption is available for owners aged 65 or older or those who are totally disabled, which exempts a portion of the assessed value from taxation (the specific exemption amount is adjusted biennially based on the cost of living index).
Kentucky Constitution Section 170, 172; KRS 132.190
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.