Cost Of Living in Hardin, KY

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16%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

44%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Hardin	Kentucky	National
Cost of living	84	88	100
Groceries	99	98	100
Health care	98	97	100
Housing	56	70	100
Transportation	96	96	100
Utilities	97	95	100
Lifestyle & Entertainment	97	95	100
Household Items	96	97	100
Education & Childcare	93	94	100

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Homes For Sale In Hardin, KY

13100 US Highway 68 E

Benton, KY

629 Ahab Rd

Hardin, KY

846 Rudolph Rd

Dexter, KY

842 Treasure Island Rd

Hardin, KY

See the Newest Homes For Sale In Hardin, KY

Cost Of Living Quick Facts

The cost of living in Hardin is 4% lower than the Kentucky average
The cost of living in Hardin is 16% lower than the national average
Hardin housing is 44% lower than the national average
Kentucky general sales tax is 18% higher than the national average
Kentucky state income tax is 73% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$0	$0	$0	$0
Renters	$39,054	$3,255	$911	$1,172

Kentucky Sales Tax

State	General Sales Tax	With Max Surtax
Kentucky	6%	6%

Kentucky Income Tax

State	Income Tax (Low)	Income Tax (High)
Kentucky	4.5%	4.5%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Dexter, KY	133	79	21.4%
Farmington, KY	123	79	20.9%
Benton, KY	4,641	90	10.1%
Murray, KY	19,988	93	7.2%
Symsonia, KY	551	95	5.1%
Hardin, KY	520	84	15.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Spring Lake, FL	520	116	16.4%
Irwinton, GA	520	88	12.0%
Sumner, GA	520	84	16.1%
Stacyville, IA	520	84	16.1%
Leaf River, IL	520	84	16.0%
Hardin, KY	520	84	15.5%