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City · 5,794 residents · Blackford County, Indiana

Hartford City , Indiana

In Hartford City, a typical home is worth $83,400 and typical rent is $730 a month. Compared with all of Blackford County, the typical home value is 22% lower, typical household income is 19% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $83,400

    22% below the county

    62% below Indiana

    • Hartford City
    • Blackford
    • Indiana

  • Typical rent

    $730a month

    4% above the county

    31% below Indiana

    • Hartford City
    • Blackford
    • Indiana

  • Typical household income

    $41,752a year

    19% below the county

    42% below Indiana

    • Hartford City
    • Blackford
    • Indiana

  • Households that own their home

    66%

    8 points below the county

    5 points below Indiana

    • Hartford City
    • Blackford
    • Indiana

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$143,196
5.6% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Hartford City is in Blackford County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Blackford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hartford City apart

What this place has that others do not, from public data, most unusual first.

  1. Hartford City has the lowest typical home value of the 134 cities in Indiana with more than 5,000 people: $83,400.

  2. Hartford City has the 3rd lowest typical rent of the 132 cities in Indiana with more than 5,000 people ($730).

  3. Hartford City has the 4th lowest typical household income of the 134 cities in Indiana with more than 5,000 people ($41,752).

  4. 66% of households in Hartford City own their home, against 74% in Blackford County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Hartford City

What homes there are in Hartford City, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Hartford City, 8 in 10 homes are single-family detached houses, about the same as in Blackford County.

Year built

By age, homes in Hartford City look like those in Blackford County: the typical year built is 1957.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$906 a month

Blackford County: $1,107 a month

Without a mortgage

$423 a month

Blackford County: $452 a month

Owners with a mortgage

47%

Blackford County: 50%

In Hartford City, 47% of owners have a mortgage, and their typical cost is $906 a month, against $1,107 in Blackford County. Without one it drops to $423.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Hartford City rose 38%; in Blackford County, it rose 52%.

Rent in Hartford City moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureHartford CityBlackford CountyIndianaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.8%3.4%
People per household 2.122.282.462.53
Drive alone 73%77%76%69%
Carpool 20%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate10%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Hartford City are smaller: 2.12 people on average; in Blackford County, 2.28.

More people carpool to work in Hartford City than in Blackford County: 20% against 11%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Hartford City?

A typical home is within reach of the typical income

We start with a typical home in Hartford City, worth $83,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Hartford City, which is $41,752 a year.

The calculator's FHA and conventional loan limits are those of all of Blackford County.

Your numbers

Local data
$

Starts at the typical home value in Hartford City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $2,919 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$685

at 7.18% · 30 years

Loan amount
$81,889
Total interest
$117,820
Paid off in
November 2056

Includes $1,408 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $974 a month

    Your payment · 20%

  • Tight

    $974 to $1,253 a month

  • Hard

    more than $1,253 a month

Compared with the typical household income in Hartford City ($41,752 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$685
Principal & interest$555
Property tax$59
Home insurance$35
FHA mortgage insurance (MIP)$37

You need at least $2,919 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Hartford City and Blackford County

Hartford City is in Blackford County, Indiana. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Hartford City's own numbers

Typical home value
$83,400
Typical monthly rent
$730
Typical yearly household income
$41,752
Households that own their home
66%
Effective property tax rate
0.85%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Blackford County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Blackford County.

Everything about Blackford County

Buying

Buying a home in Hartford City

A typical home in Hartford City is worth $83,400: 22% below the county and 62% below Indiana. With the typical household income in Hartford City ($41,752 a year), a typical home costs 2.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Hartford City 2.0 years
  • Blackford 2.1 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Blackford County

According to FHFA’s house price index, home prices in Blackford County rose 93% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Blackford County.

Period County Indiana U.S.
Last year (2025) +2.5% +4.3% +2.9%
5 years (2020–2025) +59% +53% +47%
10 years (2015–2025) +93% +95% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Hartford City next to Blackford County, Indiana and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Hartford City $83,400
  • Blackford $107,500
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Hartford City $730
  • Blackford $699
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Hartford City $41,752
  • Blackford $51,326
  • Indiana $71,957
  • United States $80,734
See the full table
Hartford City next to Blackford County and Indiana
Measure Hartford City Blackford County Indiana U.S.
Typical home value $83,400 $107,500 $218,200 $332,700
Typical monthly rent $730 $699 $1,062 $1,413
Typical yearly household income $41,752 $51,326 $71,957 $80,734
Households that own their home 66% 74% 71% 65%
Typical yearly property tax $705 $873 $1,614 $3,119
Effective property tax rate 0.85% 0.81% 0.74% 0.94%
Renters with high rent for their income 52% 46% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Blackford County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Hartford City

For a typical $83,400 home in Hartford City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hartford City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $685a month

    Least cash to close
    Down payment
    $2,919
    Cash to close
    $5,421
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $37

  • Conventional, 5% down $670a month

    Down payment
    $4,170
    Cash to close
    $6,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $40

  • Conventional, 20% down, no PMI $546a month

    Down payment
    $16,680
    Cash to close
    $19,182
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $623a month

    Down payment
    $12,510
    Cash to close
    $15,012
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Hartford City and for Blackford County.

Property tax

Effective rate in Hartford City

0.85%of the home’s value each year

$705 a year for the typical owner in Hartford City.

  • Hartford City 0.85%
  • Blackford 0.81%
  • Indiana 0.74%

What Indiana publishes Homestead standard deduction: the amount drops each year (Indiana Department of Local Government Finance (DLGF), Form HC10)

Exemptions and deadlines in Indiana

Flood risk in Blackford County

FEMA does not publish these numbers by city: they are for all of Blackford County.

Homes in the high-risk zone
0.5%
30
Of those, with NFIP insurance
10%
County Indiana U.S.
Homes in the high-risk zone 0.5% 2.3% 3.5%
Of those, with NFIP insurance 10% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hartford City

Typical rent in Hartford City is $730 a month: 4% above the county. In Hartford City, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Blackford County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Blackford County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $759 $14.60 $30,360
1 bedroom $775 $14.90 $31,000
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,373 $26.40 $54,920
4 bedrooms $1,589 $30.56 $63,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Hartford City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hartford City is in ZIP code 47348.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Blackford County ($1,014).

  • 47348 $1,010$1,380

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hartford City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Hartford City

HUD lists 6 buildings with rents for lower incomes in Hartford City. These are the largest.

  • Park Place Apartments 1601 N Richmond St, Hartford City 47348 52 low-income homes · For older adults (765) 348-2628
  • Valley View Apts - Hartford City 120 W 5th St, Hartford City 47348 48 low-income homes · For families (765) 348-5087
  • Hartford Square Apts 202 E Chestnut St, Hartford City 47348 39 low-income homes · Studio: 1 · 1 bd: 2 · 2 bd: 20 · 3 bd: 12 · 4 bd: 4 · In service since 2004
  • Hartford Place Senior Housing 102 Independence Pkwy, Hartford City 47348 34 homes, 32 low-income · 1 bd: 18 · 2 bd: 16 · In service since 2006 · For older adults
  • Skyridge Apartments 1315 N Maple St, Hartford City 47348 12 low-income homes · For people with disabilities (765) 331-0184

See all 7 buildings in Blackford County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hartford City

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Blackford County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Hartford City

No down payment, repair or rent-help program on our list is for Hartford City or Blackford County. The ones below are statewide in Indiana: they work in Hartford City the same as in the rest of the state.

Which programs do I qualify for? All programs in Indiana

  • Next Home

    Statewide in Indiana

    Indiana state agency program with down payment assistance of 2.5% or 3.5% of the price, alongside a 30-year FHA or conventional mortgage. Offered by Indiana Housing and Community Development Authority (IHCDA).

    Type not stated

    See the program Official page

  • First Step

    Statewide in Indiana

    Indiana state agency 30-year FHA or conventional mortgage for first-time buyers (or homes in designated areas), with down payment assistance as a second mortgage with no interest or payments, repaid when the first mortgage ends. Offered by Indiana Housing and Community Development Authority (IHCDA).

    Deferred

    See the program Official page

Housing counselors near Hartford City

The HUD-approved agencies closest to the center of Hartford City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Affordable Housing Corporation of Marion, Indiana

    812 S Washington St, Marion · 17 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (765) 662-1574

  • Pathstone Corporation - Indiana

    420 S High St Ste 101, Muncie · 18 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (765) 286-2162

  • Transition Resources - Pendleton

    600 Corporation Dr Ste 105, Pendleton · 38 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (866) 844-8556

All counseling agencies in Indiana

Help in Spanish near Hartford City

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Hartford City

HUD lists no housing authority with an office in Blackford County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Indiana Source: HUD

Cities

Nearby cities

The cities closest to Hartford City, with the typical home value.

Everything about Blackford County Housing in Indiana

Neighboring counties

If Blackford County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Hartford City.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Hartford City

Short answers with the numbers for Hartford City and all of Blackford County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Hartford City?

The typical home value in Hartford City is $83,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Blackford County it is $107,500.

How much does it cost to rent in Hartford City?

Typical rent in Hartford City is $730 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Blackford County is $1,014.

What is the FHA loan limit in Hartford City?

Hartford City uses the FHA limit for all of Blackford County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Hartford City?

The typical homeowner in Hartford City pays $705 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Blackford County, the rate is 0.81%.

Where can I find free help to buy or rent in Hartford City?

We found no HUD-approved counseling agencies with an office in Blackford County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).