Cost of Living in Hardin County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Hardin County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Hardin County ranks #2,117 of 3,142 counties for affordability (bottom 33%)
Sourced county brief
Hardin County Median Gross Rent Reaches $971 in Census Snapshot
In Hardin County, the median gross rent was estimated at $971 per month, which is above the Kentucky unweighted county mean of $793. The official ACS B25071 median gross rent as a percentage of household income (GRAPI) was 23.9%. This canonical rent-to-income percentage is 3.3 percentage points below the state unweighted county mean of 27.2%. The median home value in Hardin County was recorded at $225,800, and the median selected monthly owner cost for all owner-occupied units was $994. Median income for renter households was estimated at $50,353. These figures are based on the 2020-2024 ACS 5-Year Estimates and provide a factual record for the stated period. This data should not be used for investment advice or market forecasting. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Hardin County
Affordability Verdict
ACS B25071 estimates median gross rent at 23.9% of renter household income in Hardin County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $971 per month; median selected monthly owner costs are $994. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $38,840 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Kentucky unweighted mean of county median rents is $793 per month. Hardin County's $971 median is 22.4% above that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Hardin County
Rent Burden
17.2%
of gross income
Max Housing (28% Rule)
$1,578
per month
Owner Cost Burden
17.6%
of gross income
The median home in Hardin County may be a stretch
Median home value is $225,800. Estimated monthly cost: $1,803 vs. your max of $1,578.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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