In Radcliff, a typical home is worth $169,600 and typical rent is $971 a month. Compared with all of Hardin County, the typical home value is 25% lower, typical household income is 13% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $161,139 to $209,558.
Typical rent
$934a month
▲ 1.3% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $803 to $934.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Radcliff 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
What this place has that others do not, from public data, most unusual first.
1
The typical home in Radcliff is worth $169,600,25% less than in Hardin County as a whole ($225,800).
2
50% of households in Radcliff own their home, against 63% in Hardin County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Radcliff
What homes there are in Radcliff, 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
Radcliff
Hardin County
Kentucky
United States
Kind of home: Radcliff and its comparisons
Measure
Radcliff
Hardin County
Kentucky
United States
Detached house
56%
66%
68%
61%
Attached house
4%
5%
3%
6%
Building of 2 to 4
14%
9%
7%
8%
Apartments (5 or more)
16%
11%
12%
19%
Mobile home
9%
8%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Radcliff, but it weighs less than in Hardin County: 56% against 66%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Radcliff
Hardin County
Kentucky
United States
Year built: Radcliff and its comparisons
Measure
Radcliff
Hardin County
Kentucky
United States
Before 1960
10%
15%
22%
26%
1960–1979
33%
24%
26%
24%
1980–1999
31%
30%
28%
25%
2000–2009
17%
18%
15%
14%
2010 or later
9%
13%
11%
11%
In Radcliff, half of the homes were built before 1983; in Hardin County, before 1988.
There are fewer big homes in Radcliff than in Hardin County: 58% have 3 bedrooms or more, against 66%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K21%
$100K–$200K39%
$200K–$300K31%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Radcliff and its comparisons
Measure
Radcliff
Under $100K
21%
$100K–$200K
39%
$200K–$300K
31%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Hardin County is high ($541,287): at least 98% of owner-occupied homes in Radcliff are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,49939%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Radcliff and its comparisons
Measure
Radcliff
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
39%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,222 a month
Hardin County: $1,444 a month
Without a mortgage
$419 a month
Hardin County: $435 a month
Owners with a mortgage
60%
Hardin County: 62%
The typical cost for an owner with a mortgage in Radcliff is $1,222 a month, less than in Hardin County ($1,444); without one, $419.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Radcliff+31%
Hardin County+44%
Kentucky+46%
United States+53%
Typical rent
Radcliff+26%
Hardin County+17%
Kentucky+27%
United States+33%
Typical household income
Radcliff+27%
Hardin County+24%
Kentucky+26%
United States+29%
Change since 2015–2019: Radcliff and its comparisons
Measure
Radcliff
Hardin County
Kentucky
United States
Typical home value
+31%
+44%
+46%
+53%
Typical rent
+26%
+17%
+27%
+33%
Typical household income
+27%
+24%
+26%
+29%
Homes in Radcliff gained value more slowly than in Hardin County: 31% since 2015–2019, against 44%.
Since 2015–2019, the typical rent in Radcliff rose 26%, more than in Hardin County (17%).
While home values in Radcliff changed +31% and rent +26%, the typical household income rose 27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Radcliff and its comparisons
Measure
Radcliff
Hardin County
Kentucky
United States
Rental vacancy
Unreliable estimate
4.2%
4.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.7%
2.0%
3.4%
People per household
2.37
2.44
2.43
2.53
Drive alone
77%
77%
77%
69%
Carpool
11%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
9%
9%
10%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Hardin County, a household in Radcliff has 2.37 people on average.
To get to work, 77% of workers in Radcliff drive alone; in Hardin County, 77%.
Do the math
What would you pay each month for a home in Radcliff?
A typical home is tight for the typical income
We start with a typical home in Radcliff, worth $169,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Radcliff, which is $58,559 a year. For that payment to be 28% of income, a household would need to earn about $59,013 a year.
The calculator's FHA and conventional loan limits are those of all of Hardin 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 Radcliff. 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 $5,936 (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
$1,377
at 7.18% · 30 years
Loan amount
$166,528
Total interest
$239,595
Paid off in
November 2056
Includes $2,864 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,366 a month
Tight
$1,366 to $1,757 a month
Your payment · 28%
Hard
more than $1,757 a month
Compared with the typical household income in Radcliff ($58,559 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,128
Property tax
$103
Home insurance
$71
FHA mortgage insurance (MIP)
$75
You need at least $5,936 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 $1,377; principal and interest $1,128.
The city and its county
Radcliff and Hardin County
Radcliff 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).
Radcliff
Map of Hardin County, Kentucky, with Radcliff marked. Around it, the neighboring counties.
Radcliff
Hardin County
Other cities with a page
Radcliff's own numbers
Typical home value
$169,600
Typical monthly rent
$971
Typical yearly household income
$58,559
Households that own their home
50%
Effective property tax rate
0.73%
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.
A typical home in Radcliff is worth $169,600: 25% below the county and 18% below Kentucky. With the typical household income in Radcliff ($58,559 a year), a typical home costs 2.9 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.
Radcliff2.9 years
Hardin3.3 years
Kentucky3.2 years
United States4.1 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.
Yearly change in FHFA’s price index in Hardin County, 2016 to 2025
2016: +1.4% +1.4% 2016
2017: +3.8% +3.8% 2017
2018: +4.8% +4.8% 2018
2019: +4.2% +4.2% 2019
2020: +2.9% +2.9% 2020
2021: +13.7% +13.7% 2021
2022: +15.7% +15.7% 2022
2023: +10.4% +10.4% 2023
2024: +5.6% +5.6% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Hardin County, Kentucky and the United States
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
Radcliff 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
Radcliff$169,600
Hardin$225,800
Kentucky$205,600
United States$332,700
Typical monthly rent
Radcliff$971
Hardin$971
Kentucky$967
United States$1,413
Typical yearly household income
Radcliff$58,559
Hardin$67,647
Kentucky$63,726
United States$80,734
See the full table
Radcliff next to Hardin County and Kentucky
Measure
Radcliff
Hardin County
Kentucky
U.S.
Typical home value
$169,600 ▼25% below the county
$225,800
$205,600
$332,700
Typical monthly rent
$971
$971
$967
$1,413
Typical yearly household income
$58,559 ▼13% below the county
$67,647
$63,726
$80,734
Households that own their home
50% ▼12 points below the county
63%
68%
65%
Typical yearly property tax
$1,236 ▼16% below the county
$1,480
$1,544
$3,119
Effective property tax rate
0.73% ▲0.07 points above the county
0.66%
0.75%
0.94%
Renters with high rent for their income
34% ▼2 points below 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 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 Radcliff
For a typical $169,600 home in Radcliff, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Radcliff's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,377a month
Least cash to close
Down payment
$5,936
Cash to close
$11,024
Rate
7.18%
Mortgage insurance
FHA MIP · $75
Conventional, 5% down$1,346a month
Down payment
$8,480
Cash to close
$13,568
Rate
7.18%
Mortgage insurance
PMI · $81
Conventional, 20% down, no PMI$1,093a month
Down payment
$33,920
Cash to close
$39,008
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,250a month
Down payment
$25,440
Cash to close
$30,528
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Radcliff
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,377
$5,936
$166,528
7.18%
FHA MIP · $75
$11,024
580
Conventional, 5% down
$1,346
$8,480
$161,120
7.18%
PMI · $81
$13,568
620*
Conventional, 20% down, no PMI
$1,093
$33,920
$135,680
7.18%
None
$39,008
620*
ITIN, 15% down (example)
$1,250
$25,440
$144,160
8.18%
None
$30,528
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 Radcliff is $971 a month: about the same as the county. In Radcliff, 34% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Hardin County (Fiscal year 2027)
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 Radcliff
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Radcliff has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,020 in 40160 to $1,170 in 42701.
1 of the 2 is above the fair market rent for Hardin County ($1,087).
Fair market rent by ZIP code and size in Radcliff, fiscal year 2027.
40160
$810
$810
$1,020
$1,410
$1,700
42701
$930
$930
$1,170
$1,620
$1,960
ZIP code2 bd3 bd
40160 $1,020$1,410
42701 $1,170$1,620
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Radcliff 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 7 buildings with rents for lower incomes in Radcliff. These are the largest.
Willow Creek Apartments285 Elmwood Dr, Radcliff 4016049 low-income homes · For families(270) 351-6600
Marbury TraceMarbury Drive, Radcliff 4016040 low-income homes · 2 bd: 24 · 3 bd: 16 · In service since 2011
Murray HeightsRadcliff 4016040 low-income homes · Run by Housing Authority of Radcliff · Average payment: $427 a month · Average wait: 27 months(270) 351-6772
Steward Manor490 Fox Ridge Rd, Radcliff 4016040 homes, 39 low-income · For older adults(270) 352-1293
Beacon Hill ApartmentsInnovation Way, Radcliff 4016034 low-income homes · 2 bd: 10 · 3 bd: 24 · In service since 2008 · 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 Hardin 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 Radcliff or Hardin County. The ones below are statewide in Kentucky: they work in Radcliff 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 Radcliff or Hardin 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 Radcliff 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 Radcliff?
The typical home value in Radcliff is $169,600, 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 Radcliff?
Typical rent in Radcliff is $971 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 Radcliff?
Radcliff 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 Radcliff?
The typical homeowner in Radcliff pays $1,236 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Hardin County, the rate is 0.66%.
Where can I find free help to buy or rent in Radcliff?
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.
