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City · 8,836 residents · Hardin County, Kentucky

Fort Knox , Kentucky

In Fort Knox, typical rent is $1,502 a month. Compared with all of Hardin County, typical rent is 55% higher and typical household income is 22% higher.

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  • Typical rent

    $1,502a month

    55% above the county

    55% above Kentucky

    • Fort Knox
    • Hardin
    • Kentucky

  • Typical household income

    $82,663a year

    22% above the county

    30% above Kentucky

    • Fort Knox
    • Hardin
    • Kentucky

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

Fort Knox 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 Fort Knox apart

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

  1. Fort Knox has the 2nd smallest share of rent-burdened renters of the 76 cities in Kentucky with more than 5,000 people (23%).

  2. The typical rent in Fort Knox is $1,502 a month, 55% more than in Hardin County as a whole ($971).

  3. Nearby, in Elizabethtown, the typical rent is $909: 39% less than in Fort Knox ($1,502).

  4. The typical household income in Fort Knox is $82,663, 22% more than in Hardin County as a whole ($67,647).

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

The homes here

Housing in Fort Knox

What homes there are in Fort Knox, 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

Homes here are varied: attached houses (townhouses) are 47% of them, more than in Hardin County (5%), and no kind reaches half.

Year built

Homes in Fort Knox are older: the typical year built is 1976; in Hardin County, 1988.

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

Monthly rent with utilities

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

Since 2015–2019, the typical rent in Fort Knox rose 38%, more than in Hardin County (17%).

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

MeasureFort KnoxHardin 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 Unreliable estimate1.7%2.0%3.4%
People per household 3.222.442.432.53
Drive alone 68%77%77%69%
Carpool 6%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 21%3%2%3%
Work from home 5%9%10%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.22 on average, against 2.44 in Hardin County.

In Fort Knox, 21% of workers walk or bike to work; in Hardin County, 3%.

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 Fort Knox?

The Census Bureau publishes no typical home value or typical household income for Fort Knox, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Fort Knox, so the calculator starts with the one for Hardin County: $225,800. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Hardin County. Change the price, the down payment or the loan type and see how your payment changes.

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 Fort Knox. 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 $7,903 (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

$1,820

at 7.18% · 30 years

Loan amount
$221,710
Total interest
$318,989
Paid off in
November 2056

Includes $3,813 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,929 a month

    Your payment · 26%

  • Tight

    $1,929 to $2,480 a month

  • Hard

    more than $2,480 a month

Compared with the typical household income in Fort Knox ($82,663 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,820
Principal & interest$1,502
Property tax$124
Home insurance$94
FHA mortgage insurance (MIP)$100

You need at least $7,903 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

Fort Knox and Hardin County

Fort Knox 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).

Fort Knox's own numbers

Typical monthly rent
$1,502
Typical yearly household income
$82,663

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 Fort Knox

The Census Bureau publishes no typical home value for Fort Knox. Below are the numbers for Hardin County.

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

Fort Knox 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 monthly rent
  • Fort Knox $1,502
  • Hardin $971
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Fort Knox $82,663
  • Hardin $67,647
  • Kentucky $63,726
  • United States $80,734
See the full table
Fort Knox next to Hardin County and Kentucky
Measure Fort Knox Hardin County Kentucky U.S.
Typical monthly rent $1,502 $971 $967 $1,413
Typical yearly household income $82,663 $67,647 $63,726 $80,734
Renters with high rent for their income 23% 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 Fort Knox

The Census Bureau publishes no typical home value for Fort Knox, so we don't build this table. You can enter the price you're looking for in the calculator above.

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 Fort Knox and for Hardin County.

Property tax

Data not available for this place

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 Fort Knox

Typical rent in Fort Knox is $1,502 a month: 55% above the county. In Fort Knox, 23% 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 Fort Knox

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Knox is in ZIP code 40121.

For 2 bedrooms it is $1,240: $153 more than the fair market rent for Hardin County ($1,087).

  • 40121 $1,240$1,710

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

Free help

Help to buy or rent in Fort Knox

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Fort Knox

No down payment, repair or rent-help program on our list is for Fort Knox or Hardin County. The ones below are statewide in Kentucky: they work in Fort Knox 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 Fort Knox

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

  • Louisville Urban League

    1535 W Broadway, Louisville · 27 miles away

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

  • The Housing Partnership, Inc

    1405 W Broadway Unit 101, Louisville · 27 miles away

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

  • Apprisen - CCCS of the Midwest - Louisville

    10200 Linn Station Rd, Louisville · 32 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 Fort Knox

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 Fort Knox

In HUD’s record, no housing authority with an office in Hardin County is named for Fort Knox or Hardin County.

2 other authorities have 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 Fort Knox, 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 Fort Knox.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Fort Knox

Short answers with the numbers for Fort Knox 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 it cost to rent in Fort Knox?

Typical rent in Fort Knox is $1,502 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 Fort Knox?

Fort Knox 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.

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

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).