In Harrodsburg, a typical home is worth $154,200 and typical rent is $790 a month. Compared with all of Mercer County, typical household income is 25% lower, the typical home value is 24% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $187,078 to $240,318.
Typical rent
$932a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harrodsburg is in Mercer 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 Mercer County. See the county
What this place has that others do not, from public data, most unusual first.
1
60% of households in Harrodsburg own their home, against 76% in Mercer County.
2
The typical household income in Harrodsburg is $48,381,25% less than in Mercer County as a whole ($64,824).
3
The typical home in Harrodsburg is worth $154,200,24% less than in Mercer County as a whole ($202,300).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Harrodsburg
What homes there are in Harrodsburg, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Harrodsburg
Mercer County
Kentucky
United States
Kind of home: Harrodsburg and its comparisons
Measure
Harrodsburg
Mercer County
Kentucky
United States
Detached house
73%
80%
68%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
11%
5%
7%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
Unreliable estimate
7%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Harrodsburg (73%), but less so than in Mercer County (80%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Harrodsburg
Mercer County
Kentucky
United States
Year built: Harrodsburg and its comparisons
Measure
Harrodsburg
Mercer County
Kentucky
United States
Before 1960
29%
24%
22%
26%
1960–1979
36%
30%
26%
24%
1980–1999
14%
20%
28%
25%
2000–2009
13%
16%
15%
14%
2010 or later
9%
10%
11%
11%
In Harrodsburg, half of the homes were built before 1974; in Mercer County, before 1978.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K30%
$100K–$200K37%
$200K–$300K25%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harrodsburg and its comparisons
Measure
Harrodsburg
Under $100K
30%
$100K–$200K
37%
$200K–$300K
25%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99949%
$1,000–$1,49925%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harrodsburg and its comparisons
Measure
Harrodsburg
Under $500
Unreliable estimate
$500–$999
49%
$1,000–$1,499
25%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,123 a month
Mercer County: $1,373 a month
Without a mortgage
$482 a month
Mercer County: $497 a month
Owners with a mortgage
55%
Mercer County: 56%
The typical cost for an owner with a mortgage in Harrodsburg is $1,123 a month, less than in Mercer County ($1,373); without one, $482.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harrodsburg+53%
Mercer County+37%
Kentucky+46%
United States+53%
Typical rent
Harrodsburg+30%
Mercer County+33%
Kentucky+27%
United States+33%
Typical household income
HarrodsburgNo clear change
Mercer County+18%
Kentucky+26%
United States+29%
Change since 2015–2019: Harrodsburg and its comparisons
Measure
Harrodsburg
Mercer County
Kentucky
United States
Typical home value
+53%
+37%
+46%
+53%
Typical rent
+30%
+33%
+27%
+33%
Typical household income
No clear change
+18%
+26%
+29%
The typical home value in Harrodsburg rose 53% since 2015–2019, more than in Mercer County (37%).
Since 2015–2019, the typical rent in Harrodsburg rose 30%, less than in Mercer County (33%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harrodsburg and its comparisons
Measure
Harrodsburg
Mercer County
Kentucky
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.0%
3.4%
People per household
2.20
2.48
2.43
2.53
Drive alone
75%
78%
77%
69%
Carpool
Unreliable estimate
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
11%
10%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Harrodsburg are smaller: 2.20 people on average; in Mercer County, 2.48.
In Harrodsburg, 75% of workers drive alone to work; in Mercer County, 78%.
Do the math
What would you pay each month for a home in Harrodsburg?
A typical home is tight for the typical income
We start with a typical home in Harrodsburg, worth $154,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Harrodsburg, which is $48,381 a year. For that payment to be 28% of income, a household would need to earn about $54,481 a year.
The calculator's FHA and conventional loan limits are those of all of Mercer County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Harrodsburg. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,397 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,271
at 7.18% · 30 years
Loan amount
$151,407
Total interest
$217,839
Paid off in
November 2056
Includes $2,604 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,129 a month
Tight
$1,129 to $1,451 a month
Your payment · 32%
Hard
more than $1,451 a month
Compared with the typical household income in Harrodsburg ($48,381 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,026
Property tax
$113
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,397 for the down payment, plus closing costs.
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.
Total monthly payment $1,271; principal and interest $1,026.
The city and its county
Harrodsburg and Mercer County
Harrodsburg is in Mercer 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).
Harrodsburg
Map of Mercer County, Kentucky, with Harrodsburg marked. Around it, the neighboring counties.
Harrodsburg
Mercer County
Other cities with a page
Harrodsburg's own numbers
Typical home value
$154,200
Typical monthly rent
$790
Typical yearly household income
$48,381
Households that own their home
60%
Effective property tax rate
0.88%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Mercer County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$909
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
4.5%
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 Mercer County.
A typical home in Harrodsburg is worth $154,200: 24% below the county and 25% below Kentucky. With the typical household income in Harrodsburg ($48,381 a year), a typical home costs 3.2 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.
Harrodsburg3.2 years
Mercer3.1 years
Kentucky3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Mercer County
According to FHFA’s house price index, home prices in Mercer County rose 95% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Mercer County.
Yearly change in FHFA’s price index in Mercer County, 2016 to 2025
2016: +3.1% +3.1% 2016
2017: +3.3% +3.3% 2017
2018: +7.7% +7.7% 2018
2019: +3.3% +3.3% 2019
2020: +3.3% +3.3% 2020
2021: +10.7% +10.7% 2021
2022: +14.9% +14.9% 2022
2023: +11.5% +11.5% 2023
2024: +12.7% +12.7% 2024
2025: −0.5% −0.5% 2025
Change in FHFA’s price index in Mercer County, Kentucky and the United States
Period
County
Kentucky
U.S.
Last year (2025)
−0.5%
+3.9%
+2.9%
5 years (2020–2025)
+59%
+50%
+47%
10 years (2015–2025)
+95%
+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
Harrodsburg next to Mercer 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
Harrodsburg$154,200
Mercer$202,300
Kentucky$205,600
United States$332,700
Typical monthly rent
Harrodsburg$790
Mercer$831
Kentucky$967
United States$1,413
Typical yearly household income
Harrodsburg$48,381
Mercer$64,824
Kentucky$63,726
United States$80,734
See the full table
Harrodsburg next to Mercer County and Kentucky
Measure
Harrodsburg
Mercer County
Kentucky
U.S.
Typical home value
$154,200 ▼24% below the county
$202,300
$205,600
$332,700
Typical monthly rent
$790 ▼5% below the county
$831
$967
$1,413
Typical yearly household income
$48,381 ▼25% below the county
$64,824
$63,726
$80,734
Households that own their home
60% ▼16 points below the county
76%
68%
65%
Typical yearly property tax
$1,358 ▼19% below the county
$1,672
$1,544
$3,119
Effective property tax rate
0.88% ▲0.05 points above the county
0.83%
0.75%
0.94%
Renters with high rent for their income
37% ▲1 points above the county
37%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mercer 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 Harrodsburg
For a typical $154,200 home in Harrodsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harrodsburg's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,271a month
Least cash to close
Down payment
$5,397
Cash to close
$10,023
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,243a month
Down payment
$7,710
Cash to close
$12,336
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$1,013a month
Down payment
$30,840
Cash to close
$35,466
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,156a month
Down payment
$23,130
Cash to close
$27,756
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harrodsburg
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,271
$5,397
$151,407
7.18%
FHA MIP · $68
$10,023
580
Conventional, 5% down
$1,243
$7,710
$146,490
7.18%
PMI · $73
$12,336
620*
Conventional, 20% down, no PMI
$1,013
$30,840
$123,360
7.18%
None
$35,466
620*
ITIN, 15% down (example)
$1,156
$23,130
$131,070
8.18%
None
$27,756
Set by the lender
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.
Typical rent in Harrodsburg is $790 a month: 5% below the county. In Harrodsburg, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Mercer County, by unit size. To pay the 2-bedroom one ($909 a month) without spending more than 30% of your income, you would need to earn $17.48 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Mercer County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$650
$12.50
$26,000
1 bedroom
$725
$13.94
$29,000
2 bedrooms
$909
$17.48
$36,360
3 bedrooms
$1,259
$24.21
$50,360
4 bedrooms
$1,519
$29.21
$60,760
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 Harrodsburg
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harrodsburg is in ZIP code 40330.
For 2 bedrooms it is $910: $1 more than the fair market rent for Mercer County ($909).
Fair market rent by ZIP code and size in Harrodsburg, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
40330
$650
$720
$910
$1,260
$1,510
ZIP code2 bd3 bd
40330 $910$1,260
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harrodsburg 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Harrodsburg. These are the largest.
Ky062001286 Carson Ct, Harrodsburg 40330162 low-income homes · Run by Housing Authority of Harrodsburg · Average payment: $346 a month · Average wait: 34 months(859) 734-4447
Belmont Court ApartmentsBelmont Street, Harrodsburg 4033063 low-income homes · 1 bd: 8 · 2 bd: 48 · 3 bd: 7 · In service since 2016 · For families
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 Mercer County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Harrodsburg or Mercer County. The ones below are statewide in Kentucky: they work in Harrodsburg the same as in the rest of the state.
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).
No legal help resource on our list is for Harrodsburg or Mercer County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Harrodsburg and all of Mercer 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 Harrodsburg?
The typical home value in Harrodsburg is $154,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mercer County it is $202,300.
How much does it cost to rent in Harrodsburg?
Typical rent in Harrodsburg is $790 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mercer County is $909.
What is the FHA loan limit in Harrodsburg?
Harrodsburg uses the FHA limit for all of Mercer 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 Harrodsburg?
The typical homeowner in Harrodsburg pays $1,358 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Mercer County, the rate is 0.83%.
Where can I find free help to buy or rent in Harrodsburg?
We found no HUD-approved counseling agencies with an office in Mercer County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
