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City · 32,576 residents · Hardin County, Kentucky

Elizabethtown , Kentucky

In Elizabethtown, a typical home is worth $245,900 and typical rent is $909 a month. Compared with all of Hardin County, typical household income is 10% lower, the typical home value is 9% higher, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $245,900

    9% above the county

    20% above Kentucky

    • Elizabethtown
    • Hardin
    • Kentucky

  • Typical rent

    $909a month

    6% below the county

    6% below Kentucky

    • Elizabethtown
    • Hardin
    • Kentucky

  • Typical household income

    $60,760a year

    10% below the county

    5% below Kentucky

    • Elizabethtown
    • Hardin
    • Kentucky

  • Households that own their home

    49%

    13 points below the county

    19 points below Kentucky

    • Elizabethtown
    • Hardin
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$266,281
2.5% less than 12 months ago
Typical rent
$1,339 a month
0.7% more than 12 months ago

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

Elizabethtown is in Hardin 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 Hardin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Elizabethtown apart

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

  1. Nearby, in Radcliff, the typical home value is $169,600: 31% less than in Elizabethtown ($245,900).

  2. 49% of households in Elizabethtown own their home, against 63% in Hardin County.

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

The homes here

Housing in Elizabethtown

What homes there are in Elizabethtown, 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

The detached house is still the most common home in Elizabethtown, but it weighs less than in Hardin County: 55% against 66%.

Year built

By age, homes in Elizabethtown look like those in Hardin County: the typical year built is 1990.

In Elizabethtown, 16% of homes have 1 bedroom or none (studios); 53% have 3 bedrooms or more, against 66% in Hardin County.

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

By price, most homes in Elizabethtown sit under the FHA limit for Hardin County ($541,287): about 92%.

Monthly rent with utilities

About 66% of rented homes in Elizabethtown cost less than HUD's 2-bedroom fair market rent for Hardin County ($1,087).

With a mortgage

$1,511 a month

Hardin County: $1,444 a month

Without a mortgage

$439 a month

Hardin County: $435 a month

Owners with a mortgage

67%

Hardin County: 62%

The typical cost for an owner with a mortgage in Elizabethtown is $1,511 a month, near the figure in Hardin County ($1,444).

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 Elizabethtown rose 37%; in Hardin County, it rose 44%.

Much as in Hardin County, the typical rent in Elizabethtown rose 15% since 2015–2019.

While home values in Elizabethtown changed +37% and rent +15%, the typical household income rose 30%.

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

MeasureElizabethtownHardin CountyKentuckyUnited States
Rental vacancy Unreliable estimate4.2%4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room 2.8%1.7%2.0%3.4%
People per household 2.312.442.432.53
Drive alone 78%77%77%69%
Carpool 11%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 7%9%10%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 2.8% of households in Elizabethtown live, more than in Hardin County (1.7%).

Fewer people live in each home here: 2.31 on average, against 2.44 in Hardin County.

In Elizabethtown, 78% of workers drive alone to work; in Hardin County, 77%.

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 Elizabethtown?

A typical home costs more than the typical income allows

We start with a typical home in Elizabethtown, worth $245,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Elizabethtown, which is $60,760 a year. For that payment to be 28% of income, a household would need to earn about $85,386 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Elizabethtown. 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 $8,607 (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

$1,992

at 7.18% · 30 years

Loan amount
$241,446
Total interest
$347,384
Paid off in
November 2056

Includes $4,153 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,418 a month

  • Tight

    $1,418 to $1,823 a month

  • Hard

    more than $1,823 a month

    Your payment · 39%

Compared with the typical household income in Elizabethtown ($60,760 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,992
Principal & interest$1,636
Property tax$146
Home insurance$103
FHA mortgage insurance (MIP)$109

You need at least $8,607 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

Elizabethtown and Hardin County

Elizabethtown is in Hardin County, Kentucky. 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).

Elizabethtown's own numbers

Typical home value
$245,900
Typical monthly rent
$909
Typical yearly household income
$60,760
Households that own their home
49%
Effective property tax rate
0.71%

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

Numbers for all of Hardin County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,087
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
2.4%

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 Hardin County.

Everything about Hardin County

Buying

Buying a home in Elizabethtown

A typical home in Elizabethtown is worth $245,900: 9% above the county and 20% above Kentucky. With the typical household income in Elizabethtown ($60,760 a year), a typical home costs 4.0 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.

  • Elizabethtown 4.0 years
  • Hardin 3.3 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hardin County

According to FHFA’s house price index, home prices in Hardin County rose 90% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +4.7% +3.9% +2.9%
5 years (2020–2025) +61% +50% +47%
10 years (2015–2025) +90% +84% +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

Elizabethtown next to Hardin County, Kentucky and the U.S.

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

Typical home value
  • Elizabethtown $245,900
  • Hardin $225,800
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Elizabethtown $909
  • Hardin $971
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Elizabethtown $60,760
  • Hardin $67,647
  • Kentucky $63,726
  • United States $80,734
See the full table
Elizabethtown next to Hardin County and Kentucky
Measure Elizabethtown Hardin County Kentucky U.S.
Typical home value $245,900 $225,800 $205,600 $332,700
Typical monthly rent $909 $971 $967 $1,413
Typical yearly household income $60,760 $67,647 $63,726 $80,734
Households that own their home 49% 63% 68% 65%
Typical yearly property tax $1,740 $1,480 $1,544 $3,119
Effective property tax rate 0.71% 0.66% 0.75% 0.94%
Renters with high rent for their income 41% 37% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hardin 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 Elizabethtown

For a typical $245,900 home in Elizabethtown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Elizabethtown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,992a month

    Least cash to close
    Down payment
    $8,607
    Cash to close
    $15,984
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $109

  • Conventional, 5% down $1,947a month

    Down payment
    $12,295
    Cash to close
    $19,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $117

  • Conventional, 20% down, no PMI $1,581a month

    Down payment
    $49,180
    Cash to close
    $56,557
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,808a month

    Down payment
    $36,885
    Cash to close
    $44,262
    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 Elizabethtown and for Hardin County.

Property tax

Effective rate in Elizabethtown

0.71%of the home’s value each year

$1,740 a year for the typical owner in Elizabethtown.

  • Elizabethtown 0.71%
  • Hardin 0.66%
  • Kentucky 0.75%

What Kentucky publishes Homestead exemption for owners 65 or older or totally disabled (Kentucky Department of Revenue)

Exemptions and deadlines in Kentucky

Flood risk in Hardin County

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

Homes in the high-risk zone
2.4%
882
Of those, with NFIP insurance
25%
County Kentucky U.S.
Homes in the high-risk zone 2.4% 3.5% 3.5%
Of those, with NFIP insurance 25% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Elizabethtown

Typical rent in Elizabethtown is $909 a month: 6% below the county. In Elizabethtown, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hardin County, by unit size. To pay the 2-bedroom one ($1,087 a month) without spending more than 30% of your income, you would need to earn $20.90 an hour working full time.

HUD fair market rent for all of Hardin 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 $860 $16.54 $34,400
1 bedroom $866 $16.65 $34,640
2 bedrooms $1,087 $20.90 $43,480
3 bedrooms $1,505 $28.94 $60,200
4 bedrooms $1,817 $34.94 $72,680

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 Elizabethtown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Elizabethtown is in ZIP code 42701.

For 2 bedrooms it is $1,170: $83 more than the fair market rent for Hardin County ($1,087).

  • 42701 $1,170$1,620

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Elizabethtown 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 Elizabethtown

HUD lists 28 buildings with rents for lower incomes in Elizabethtown. These are the largest.

  • PINE CREST (I and II) 513 Glen Circle Dr, Elizabethtown 42701 140 homes, 127 low-income · For families (270) 769-5645
  • Housing Authority of Elizabethtown 63 Public Sq, Elizabethtown 42701 112 homes, 111 low-income · Run by Housing Authority of Elizabethtown · Average payment: $412 a month · Average wait: 14 months (270) 765-2092
  • Towne Mall Commons Towne Drive, Elizabethtown 42701 92 low-income homes · 1 bd: 12 · 2 bd: 36 · 3 bd: 44 · In service since 2011 · For families
  • Tyler Park Apartments - N. Miles ST N. Miles ST., Elizabethtown 42701 72 low-income homes · 1 bd: 72 · In service since 1993 · For older adults, families
  • Abel Acres Robinbrooke Boulevard, Elizabethtown 42701 64 low-income homes · 1 bd: 24 · 2 bd: 40 · In service since 2017 · For families

See all 35 buildings in Hardin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Elizabethtown

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 Hardin County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Elizabethtown

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

Which programs do I qualify for? All programs in Kentucky

  • KHC Down Payment Assistance (DPA)

    Statewide in Kentucky

    Kentucky state corporation loan of up to $12,500 for the down payment and closing costs, repaid over 15 years as a second loan, for buyers who take a KHC mortgage. Offered by Kentucky Housing Corporation (KHC).

    Repayable

    See the program Official page

Housing counselors near Elizabethtown

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

  • The Housing Partnership, Inc

    1405 W Broadway Unit 101, Louisville · 38 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (502) 585-5451

  • Louisville Urban League

    1535 W Broadway, Louisville · 38 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (502) 585-4622

  • Apprisen - CCCS of the Midwest - Louisville

    10200 Linn Station Rd, Louisville · 40 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

All counseling agencies in Kentucky

Help in Spanish near Elizabethtown

None of the 3 agencies on this list say they serve 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 Elizabethtown

HUD’s record names them for Elizabethtown or Hardin County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has an office in Hardin County: see the list Source: HUD

Cities

Other cities in Hardin County

These cities are also in Hardin County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hardin County Housing in Kentucky

Nearby cities

The cities closest to Elizabethtown, with the typical home value.

Neighboring counties

If Hardin 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 Elizabethtown.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Elizabethtown

Short answers with the numbers for Elizabethtown and all of Hardin 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 Elizabethtown?

The typical home value in Elizabethtown is $245,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hardin County it is $225,800.

How much does it cost to rent in Elizabethtown?

Typical rent in Elizabethtown is $909 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hardin County is $1,087.

What is the FHA loan limit in Elizabethtown?

Elizabethtown uses the FHA limit for all of Hardin 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 Elizabethtown?

The typical homeowner in Elizabethtown pays $1,740 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Hardin County, the rate is 0.66%.

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

We found no HUD-approved counseling agencies with an office in Hardin 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).