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West Virginia

Cost of living in Hardy County, WV

Estimated monthly cost
$2,508/mo
for a single person, all categories combined

Population 14,236 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $719 29%
Healthcare $480 19%
Federal tax $357 14%
Transport $320 13%
Groceries $306 12%
Energy $192 8%
State tax $79 3%
Water $55 2%

Rent in Hardy County

Fair Market Rents by bedroom count.

Studio
$688
per month
1 bedroom
$719
per month
2 bedroom
$891
per month
3 bedroom
$1,128
per month
4 bedroom
$1,250
per month

Source: HUD FMR FY2025

Income and earnings in Hardy County

Annual earnings figures from the Census ACS.

Household income
$49,302
per year
Individual earnings
$31,924
per year
Per capita
$29,876
per year

Source: ACS 2019-2023 5-Year.

Home values in Hardy County

Average values reported by homeowners.

Average home value
$159,700
Annual property tax
$586

Source: ACS 2019-2023 5-Year

Energy costs in Hardy County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 14¢/kWh
Natural gas
$52
per month
Annual total
$2,304
per year

Source: EIA

Healthcare in Hardy County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.7%

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 Hardy County

State and local tax rates for West Virginia.

State income tax
5.1%
Top marginal rate
State sales tax
6.0%
Combined sales tax
6.6%
incl. average local

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

Transportation in Hardy County

Commute patterns and estimated costs.

Average commute
28.6 min
Drive alone
77.5%
Public transit
0.4%
Work from home
7.3%

Source: ACS

Monthly cost estimates for Hardy County

What it costs to live in Hardy County each month.

Single person
$2,508
per month
  • Rent $719
  • Energy $192
  • Water $55
  • Groceries $306
  • Transport $320
  • Healthcare $480
  • Federal tax $357
  • State tax $79
Couple
$3,599
per month
  • Rent $891
  • Energy $230
  • Water $65
  • Groceries $507
  • Transport $420
  • Healthcare $864
  • Federal tax $482
  • State tax $140
Family
$5,952
per month
  • Rent $1,128
  • Energy $288
  • Water $75
  • Groceries $769
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $482
  • State tax $140

Frequently asked questions about Hardy County

Common questions about cost of living, rent and salary.

What is the average rent in Hardy County?

In Hardy County, WV, a one-bedroom apartment averages $719 per month, a two-bedroom averages $891 per month, a three-bedroom averages $1,128 per month, according to HUD Fair Market Rent data.

What is the average salary in Hardy County?

In Hardy County, WV, the average household income is $49,302 per year and individual earnings for full-time workers average $31,924 per year, according to U.S. Census Bureau data.

What is the cost of living in Hardy County?

The estimated cost of living in Hardy County, WV is approximately $2,508 per month for a single person, $3,599 for a couple, $5,952 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hardy County?

The combined sales tax rate in Hardy County, WV is 6.56%, which includes the West Virginia state rate of 6.00% plus an average local rate of 0.56%.

Is Hardy County an affordable place to live?

Based on the data, a single person in Hardy County, WV would need approximately $2,508 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $49,302 per year ($4,109 per month). Hardy County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Hardy County?

The ACA marketplace benchmark premium in Hardy County, WV is approximately $480 per month for an individual. Approximately 6.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hardy County?

The average home value in Hardy County, WV is $159,700, with average annual property taxes of $586, according to U.S. Census Bureau data.

How does Hardy County compare to other areas?

You can compare Hardy County, WV with any other US county using our comparison tool at /compare. Hardy County is in West Virginia.

Other counties in West Virginia

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

See all counties in West Virginia

Compare Hardy 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