In Vine Grove, a typical home is worth $235,400 and typical rent is $1,334 a month. Compared with all of Hardin County, typical rent is 37% higher, typical household income is 7% higher, and the share of households that own their home is 8 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $204,029 to $262,311.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Vine Grove 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 rent in Vine Grove is $1,334 a month, 37% more than in Hardin County as a whole ($971).
2
Nearby, in Elizabethtown, the typical rent is $909: 32% less than in Vine Grove ($1,334).
3
Nearby, in Radcliff, the typical home value is $169,600: 28% less than in Vine Grove ($235,400).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Vine Grove fell 3.2%; in Kentucky, it barely changed.
5
71% of households in Vine Grove own their home, against 63% in Hardin County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Vine Grove
What homes there are in Vine Grove, 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
Vine Grove
Hardin County
Kentucky
United States
Kind of home: Vine Grove and its comparisons
Measure
Vine Grove
Hardin County
Kentucky
United States
Detached house
72%
66%
68%
61%
Attached house
Unreliable estimate
5%
3%
6%
Building of 2 to 4
Unreliable estimate
9%
7%
8%
Apartments (5 or more)
Unreliable estimate
11%
12%
19%
Mobile home
Unreliable estimate
8%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Vine Grove, 7 in 10 homes are single-family detached houses; in Hardin County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Vine Grove
Hardin County
Kentucky
United States
Year built: Vine Grove and its comparisons
Measure
Vine Grove
Hardin County
Kentucky
United States
Before 1960
21%
15%
22%
26%
1960–1979
12%
24%
26%
24%
1980–1999
16%
30%
28%
25%
2000–2009
16%
18%
15%
14%
2010 or later
35%
13%
11%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K28%
$200K–$300K25%
$300K–$500K31%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Vine Grove and its comparisons
Measure
Vine Grove
Under $100K
Unreliable estimate
$100K–$200K
28%
$200K–$300K
25%
$300K–$500K
31%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49938%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Vine Grove and its comparisons
Measure
Vine Grove
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
38%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,549 a month
Hardin County: $1,444 a month
Without a mortgage
$419 a month
Hardin County: $435 a month
Owners with a mortgage
69%
Hardin County: 62%
The typical cost for an owner with a mortgage in Vine Grove is $1,549 a month, more 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
Vine Grove+54%
Hardin County+44%
Kentucky+46%
United States+53%
Typical rent
Vine GroveNo clear change
Hardin County+17%
Kentucky+27%
United States+33%
Typical household income
Vine GroveNo clear change
Hardin County+24%
Kentucky+26%
United States+29%
Change since 2015–2019: Vine Grove and its comparisons
Measure
Vine Grove
Hardin County
Kentucky
United States
Typical home value
+54%
+44%
+46%
+53%
Typical rent
No clear change
+17%
+27%
+33%
Typical household income
No clear change
+24%
+26%
+29%
Since 2015–2019, homes in Vine Grove gained value faster than in Hardin County: 54% against 44%.
The typical rent in Vine Grove stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Vine Grove and its comparisons
Measure
Vine Grove
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
2.47
2.44
2.43
2.53
Drive alone
83%
77%
77%
69%
Carpool
Unreliable estimate
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
8%
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 Vine Grove has 2.47 people on average.
To get to work, 83% of workers in Vine Grove drive alone; in Hardin County, 77%.
Do the math
What would you pay each month for a home in Vine Grove?
A typical home is tight for the typical income
We start with a typical home in Vine Grove, worth $235,400, 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 Vine Grove, which is $72,560 a year. For that payment to be 28% of income, a household would need to earn about $81,740 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 Vine Grove. 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 $8,239 (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
$1,907
at 7.18% · 30 years
Loan amount
$231,136
Total interest
$332,551
Paid off in
November 2056
Includes $3,975 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,693 a month
Tight
$1,693 to $2,177 a month
Your payment · 32%
Hard
more than $2,177 a month
Compared with the typical household income in Vine Grove ($72,560 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,566
Property tax
$139
Home insurance
$98
FHA mortgage insurance (MIP)
$104
You need at least $8,239 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 $1,907; principal and interest $1,566.
The city and its county
Vine Grove and Hardin County
Vine Grove 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).
Vine Grove
Map of Hardin County, Kentucky, with Vine Grove marked. Around it, the neighboring counties.
Vine Grove
Hardin County
Other cities with a page
Vine Grove's own numbers
Typical home value
$235,400
Typical monthly rent
$1,334
Typical yearly household income
$72,560
Households that own their home
71%
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.
A typical home in Vine Grove is worth $235,400: 4% above the county and 14% above Kentucky. With the typical household income in Vine Grove ($72,560 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.
Vine Grove3.2 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
Vine Grove 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
Vine Grove$235,400
Hardin$225,800
Kentucky$205,600
United States$332,700
Typical monthly rent
Vine Grove$1,334
Hardin$971
Kentucky$967
United States$1,413
Typical yearly household income
Vine Grove$72,560
Hardin$67,647
Kentucky$63,726
United States$80,734
See the full table
Vine Grove next to Hardin County and Kentucky
Measure
Vine Grove
Hardin County
Kentucky
U.S.
Typical home value
$235,400 ▲4% above the county
$225,800
$205,600
$332,700
Typical monthly rent
$1,334 ▲37% above the county
$971
$967
$1,413
Typical yearly household income
$72,560 ▲7% above the county
$67,647
$63,726
$80,734
Households that own their home
71% ▲8 points above the county
63%
68%
65%
Typical yearly property tax
$1,665 ▲13% above the county
$1,480
$1,544
$3,119
Effective property tax rate
0.71% ▲0.05 points above the county
0.66%
0.75%
0.94%
“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 Vine Grove
For a typical $235,400 home in Vine Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vine Grove's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,907a month
Least cash to close
Down payment
$8,239
Cash to close
$15,301
Rate
7.18%
Mortgage insurance
FHA MIP · $104
Conventional, 5% down$1,864a month
Down payment
$11,770
Cash to close
$18,832
Rate
7.18%
Mortgage insurance
PMI · $112
Conventional, 20% down, no PMI$1,513a month
Down payment
$47,080
Cash to close
$54,142
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,731a month
Down payment
$35,310
Cash to close
$42,372
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Vine Grove
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,907
$8,239
$231,136
7.18%
FHA MIP · $104
$15,301
580
Conventional, 5% down
$1,864
$11,770
$223,630
7.18%
PMI · $112
$18,832
620*
Conventional, 20% down, no PMI
$1,513
$47,080
$188,320
7.18%
None
$54,142
620*
ITIN, 15% down (example)
$1,731
$35,310
$200,090
8.18%
None
$42,372
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 Vine Grove is $1,334 a month: 37% above the county.
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 Vine Grove
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vine Grove is in ZIP code 40175.
For 2 bedrooms it is $1,360: $273 more than the fair market rent for Hardin County ($1,087).
Fair market rent by ZIP code and size in Vine Grove, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
40175
$1,050
$1,060
$1,360
$1,870
$2,140
ZIP code2 bd3 bd
40175 $1,360$1,870
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Vine Grove 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)
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 Vine Grove or Hardin County. The ones below are statewide in Kentucky: they work in Vine Grove 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 Vine Grove 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 Vine Grove 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 Vine Grove?
The typical home value in Vine Grove is $235,400, 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 Vine Grove?
Typical rent in Vine Grove is $1,334 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 Vine Grove?
Vine Grove 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 Vine Grove?
The typical homeowner in Vine Grove pays $1,665 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 Vine Grove?
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.
