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Elizabethtown, KY

Cost of living in Hardin County, KY

Part of the Elizabethtown Metro Area

Estimated monthly cost
$2,874/mo
for a single person, all categories combined

Population 111,452 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $862 30%
Federal tax $513 18%
Healthcare $480 17%
Transport $320 11%
Groceries $312 11%
Energy $194 7%
State tax $138 5%
Water $55 2%

Rent in Hardin County

Fair Market Rents by bedroom count.

Studio
$857
per month
1 bedroom
$862
per month
2 bedroom
$1,075
per month
3 bedroom
$1,506
per month
4 bedroom
$1,805
per month

Source: HUD FMR FY2025

Income and earnings in Hardin County

Annual earnings figures from the Census ACS.

Household income
$67,608
per year
Individual earnings
$41,398
per year
Per capita
$36,836
per year

Source: ACS 2019-2023 5-Year.

Home values in Hardin County

Average values reported by homeowners.

Average home value
$205,900
Annual property tax
$1,451

Source: ACS 2019-2023 5-Year

Energy costs in Hardin County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 13.3¢/kWh
Natural gas
$54
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in Hardin County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.5%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Hardin County

State and local tax rates for Kentucky.

State income tax
4.0%
Flat rate
State sales tax
6.0%
Combined sales tax
6.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Hardin County

Commute patterns and estimated costs.

Average commute
22.9 min
Drive alone
78.1%
Public transit
0.2%
Work from home
7.8%

Source: ACS

Monthly cost estimates for Hardin County

What it costs to live in Hardin County each month.

Single person
$2,874
per month
  • Rent $862
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $513
  • State tax $138
Couple
$4,175
per month
  • Rent $1,075
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $776
  • State tax $225
Family
$6,727
per month
  • Rent $1,506
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $776
  • State tax $225

Frequently asked questions about Hardin County

Common questions about cost of living, rent and salary.

What is the average rent in Hardin County?

In Hardin County, KY, a one-bedroom apartment averages $862 per month, a two-bedroom averages $1,075 per month, a three-bedroom averages $1,506 per month, according to HUD Fair Market Rent data.

What is the average salary in Hardin County?

In Hardin County, KY, the average household income is $67,608 per year and individual earnings for full-time workers average $41,398 per year, according to U.S. Census Bureau data.

What is the cost of living in Hardin County?

The estimated cost of living in Hardin County, KY is approximately $2,874 per month for a single person, $4,175 for a couple, $6,727 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hardin County?

The combined sales tax rate in Hardin County, KY is 6.00%, which includes the Kentucky state rate of 6.00% plus an average local rate of 0.00%.

Is Hardin County an affordable place to live?

Based on the data, a single person in Hardin County, KY would need approximately $2,874 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $67,608 per year ($5,634 per month). Hardin County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Hardin County?

The ACA marketplace benchmark premium in Hardin County, KY is approximately $480 per month for an individual. Approximately 5.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hardin County?

The average home value in Hardin County, KY is $205,900, with average annual property taxes of $1,451, according to U.S. Census Bureau data.

How does Hardin County compare to other areas?

You can compare Hardin County, KY with any other US county using our comparison tool at /compare. Hardin County is in the Elizabethtown, KY metro area.

Other counties in Kentucky

Browse the full list of counties in Kentucky, ranked by cost of living.

See all counties in Kentucky

Compare Hardin County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources