Median Income
$36,868
51% lower than US avg
Home Value
$77,800
72% lower than US avg
Bachelor's+
11.0%
67% lower than US avg
Median Rent
$619
47% lower than US avg
Obesity Rate
47.4%
48% higher than US avg
Unemployment
8.9%
147% higher than US avg
Poverty Rate
16.5%
33% higher than US avg
How Hartford City Compares to the U.S. Average (100% = U.S. avg)
People
Population5,685
Median Age41.1 yrs
Density1,465/mi²
Male / Female46% / 54%
Largest GroupWhite 96%
Veterans9.2%
Economy
C
Median Income$36,868
Per Capita$24,342
Unemployment8.9%
Poverty16.5%
County GDP$428M
Commute20 min
Housing
A+
Home Value$77,800
Rent$619
Ownership68.0%
Zillow$146,463
Housing Units3,091
Rent Burden31.0%
Health
Obesity47.4%
Uninsured11.3%
Smoking25.7%
Depression29.9%
Heart Disease8.0%
Climate
Avg Temp51°F (11°C)
Rain41.7 in/yr
Elevation917 ft (280 m)
Education
D
Bachelor's+11.0%
High School+90.1%
Graduate+4.9%
School Score6.03
Community
2024 VoteR 74% / D 24%
Commute20 min
Broadband83.5%
EV Stations1
Libraries2
Is Hartford City a Good Place to Live?
Based on current data, Hartford City receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include affordable housing. Areas to be aware of include above-average unemployment, an elevated poverty rate, below-average incomes. Hartford City offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Hartford City is $36,868, 51% below the national average of $75,149. At 8.9%, unemployment is notably high. The poverty rate of 16.5% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 20 minutes.
Cost of Living & Housing
The median home value in Hartford City is $77,800, 72% below the national median / offering relatively affordable homeownership. Renters pay a median of $619 per month, below the national average / a plus for affordability. At just 2.1x median income, home prices are very affordable relative to local earnings.
Education
11.0% of residents hold a bachelor's degree, below the national average of 33.7%. 90.1% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Hartford City experiences four distinct seasons with an average temperature of 51°F. Winters average 26°F in January while summers reach 74°F in July. Annual precipitation totals 41.7 inches, including 32.2 inches of snow.
Hartford City has a population of 5,685 with a density of 1,465 people per square mile, spread across 3.9 square miles. The median age is 41.1 years, 6% older than the national median of 38.9. The gender split is 54.3% female and 45.7% male. The city is predominantly White (95.5%), with 2.3% Hispanic. English is the primary language spoken at home by 97.5% of residents. 9.2% of the population are veterans, above the national rate of 6.0%. 30.5% of residents have a disability (above the 13.0% national average). 88.7% have health insurance coverage.
Population
5,685
Total Population
2023 Census
41.1yrs
Median Age
6% above US avg
Race & Ethnicity
Hartford City vs U.S. Average
Language Spoken at Home
English Only
97.5%
24% above US avg
Spanish
1.2%
91% below US avg
Social Characteristics
Hartford City vs U.S. Average
The median household income in Hartford City is $36,868, which is 51% below the national average of $75,149. Per capita income is $24,342 (below the $39,052 national figure). The average weekly wage is $897, 37% lower than the U.S. average. The unemployment rate is 8.9% (above the 3.6% US average). 16.5% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 245 business establishments, including 17 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 3.4% of workers work from home (below the 15.2% national rate).
Income: Hartford City vs U.S.
Income
| Median HH Income | $36,868 |
| 51% below US avg |
| Per Capita Income | $24,342 |
| Avg Weekly Wage | $897 |
| IRS Avg AGI | $54,691 |
| Gini Index | 0.484 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 8.9% |
| 147% above US avg |
| Poverty Rate | 16.5% |
| 33% above US avg |
| Establishments (County) | 245 |
| County GDP | $428M |
Business (County)
| Restaurants | 17 |
| Healthcare | 31 |
| Retail | 34 |
| Manufacturing | 21 |
Tax & Cost of Living
| Property Tax (IRS) | $2,313 |
| 34% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 2.97% |
Commute & Transportation
| Commute Time | 20.3 min |
| Drive Alone | 76.1% |
| Public Transit | 0.0% |
| Work from Home | 3.4% |
The median home value in Hartford City is $77,800, 72% below the national median of $281,900. Zillow estimates the typical home value at $146,463, higher than the Census estimate. Monthly rent averages $619 (47% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 68.0% of housing units are owner-occupied. There are 3,091 total housing units in the city. The median year a home was built is 1956. The average annual property tax is $2,313 (lower than the $3,500 national average). 31.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.1x, well within the affordable range.
Home Values
| Census Median | $77,800 |
| 72% below US avg |
| Zillow ZHVI | $146,463 |
Rental Costs
| Census Median Rent | $619 |
| 47% below US avg |
| Rent Burden | 31.0% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 68.0% |
| Owner-Occupied | 68.0% |
| Renter-Occupied | 32.0% |
| Housing Units | 3,091 |
| Median Year Built | 1956 |
Property Tax
| Avg Tax (IRS) | $2,313 |
| 34% below US avg |
| Effective Rate | 2.97% |
In Hartford City, 47.4% of adults are obese, above the national rate of 32.1%. 14.8% have diabetes (above the 10.5% national rate). Heart disease affects 8.0% of residents, above the national average. 39.7% have high blood pressure. 25.7% are current smokers (above the 14.0% national rate). 16.2% report binge drinking. 33.2% are physically inactive, above the national average. 29.9% report depression (above the 20.0% national average). 22.8% experience frequent mental distress. 11.3% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,511. The dentist ratio is 1:5,960. 42.5% of residents have access to exercise opportunities. The food environment index is 6.9 out of 10.
Health Metrics: Hartford City vs U.S. Average (%)
Chronic Conditions
| Obesity | 47.4% |
| 48% above US avg |
| Diabetes | 14.8% |
| Heart Disease | 8.0% |
| High Blood Pressure | 39.7% |
| Asthma | 12.5% |
| COPD | 12.2% |
| Cancer | 7.4% |
| Stroke | 4.3% |
Behaviors & Mental Health
| Smoking | 25.7% |
| 84% above US avg |
| Binge Drinking | 16.2% |
| Physical Inactivity | 33.2% |
| Depression | 29.9% |
| Mental Distress | 22.8% |
| Physical Distress | 17.9% |
| Short Sleep | 40.8% |
Healthcare Access
| Insurance Rate | 88.7% |
| Uninsured | 11.3% |
| 31% above US avg |
| Primary Care | 1:1,511 |
| Dentists | 1:5,960 |
| Mental Health | 1:2,379 |
| Checkup Rate | 76.6% |
| Dental Visits | 49.0% |
| Premature Death | 13,647/100K |
Food & Exercise
| Food Environment | 6.9/10 |
| Exercise Access | 42.5% |
| Healthcare Facilities | 31 |
Hartford City experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 26°F in January while summers reach 74°F in July. Annual precipitation totals 41.7 inches. The area receives 32.2 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 917 feet.
Temperature
26°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 51.3°F |
| 5% below US avg |
| January Average | 26°F (-3°C) |
| July Average | 74°F (23°C) |
Geography
| Elevation | 917 ft (280 m) |
| Area | 3.9 sq mi (10.1 km²) |
| Population Density | 1,465/sq mi |
| Coordinates | 40.4537°N, 85.3732°W |
| Timezone | America/Indiana/Indianapolis |
| County | Blackford County County |
| Nearest Airport | Delaware County Regional (MIE)
15 miles away |
Precipitation & Snow
Annual Rainfall
41.7"
10% above US avg
Wettest Month (Jun)
4.43"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 9.0 / 100 |
| Social Vulnerability | 51.5 / 100 |
| Community Resilience | 90.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
10 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.6 on Jun 12, 2015.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
98 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
144 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
140 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
148 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
125 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
44 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
83 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
114 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
76 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
66 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
565 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 46 fatalities, 1,485 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 10, 2002 |
EF4 |
63 km |
4 |
| Jun 11, 1998 |
EF4 |
90 km |
0 |
| Feb 18, 1992 |
EF4 |
75 km |
0 |
| Jul 9, 1980 |
EF4 |
93 km |
2 |
| Apr 3, 1974 |
EF4 |
82 km |
0 |
| Apr 3, 1974 |
EF4 |
46 km |
1 |
| May 14, 1972 |
EF4 |
97 km |
0 |
| Apr 11, 1965 |
EF4 |
85 km |
25 |
| Apr 11, 1965 |
EF4 |
85 km |
3 |
| Apr 11, 1965 |
EF4 |
11 km |
4 |
| Mar 6, 1956 |
EF4 |
21 km |
1 |
| Mar 14, 2024 |
EF3 |
37 km |
1 |
| Mar 31, 2023 |
EF3 |
19 km |
0 |
| May 27, 2019 |
EF3 |
93 km |
0 |
| May 27, 2019 |
EF3 |
59 km |
1 |
| May 27, 2019 |
EF3 |
87 km |
0 |
| May 27, 2019 |
EF3 |
14 km |
0 |
| Aug 24, 2016 |
EF3 |
86 km |
0 |
| Aug 24, 2016 |
EF3 |
69 km |
0 |
| Jun 5, 2010 |
EF3 |
72 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-3°C) |
2.7 in |
Coldest |
| February |
29°F (-2°C) |
2.4 in |
Driest |
| March |
39°F (4°C) |
3.3 in |
|
| April |
51°F (11°C) |
3.9 in |
|
| May |
62°F (17°C) |
4.2 in |
|
| June |
71°F (22°C) |
4.4 in |
Wettest |
| July |
74°F (23°C) |
4.2 in |
Warmest |
| August |
72°F (22°C) |
4.3 in |
|
| September |
66°F (19°C) |
3.5 in |
|
| October |
54°F (12°C) |
2.9 in |
|
| November |
42°F (5°C) |
3.3 in |
|
| December |
31°F (-0°C) |
2.7 in |
|
Hartford City has a seasonal temperature swing of 48°F / from 26°F in January to 74°F in July. Total annual precipitation is 41.7 inches, with June being the wettest month (4.4") and February the driest (2.4").
Average costs for common services in Hartford City. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140-$373) |
| Specialist Visit |
$327 ($187-$513) |
| Urgent Care Visit |
$187 ($93-$327) |
| Emergency Room Visit |
$2,053 ($746-$4,665) |
| Dental Cleaning |
$121 ($70-$187) |
| Dental Filling |
$233 ($140-$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23-$70) |
| Oil Change (Synthetic) |
$70 ($47-$112) |
| Brake Pad Replacement |
$280 ($140-$467) |
| Tire Rotation |
$37 ($19-$70) |
| New Tires (Set of 4) |
$560 ($373-$933) |
| Battery Replacement |
$187 ($93-$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56-$140) |
| Electrician (Per Hour) |
$84 ($47-$131) |
| HVAC Repair |
$373 ($140-$746) |
| HVAC System Install |
$6,531 ($3,732-$11,196) |
| Roof Repair |
$933 ($373-$1,866) |
| Roof Replacement |
$8,397 ($5,132-$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467-$3,266) |
| Divorce (Contested) |
$13,995 ($4,665-$27,990) |
| DUI Defense |
$4,665 ($1,866-$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746-$2,799) |
| Will Preparation |
$467 ($187-$933) |
| Trust Preparation |
$2,333 ($933-$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$42) |
| Women's Haircut |
$51 ($28-$93) |
| Hair Coloring (Full) |
$140 ($70-$233) |
| Manicure |
$23 ($14-$42) |
| Pedicure |
$37 ($23-$61) |
| Massage (1 Hour) |
$75 ($47-$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80-$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33-$4.67) |
| Loaf of Bread |
$3.55 ($2.33-$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80-$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73-$7.00) |
| Rice (per lb) |
$0.93 ($0.56-$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75-$233) |
| Natural Gas (Monthly) |
$65 ($28-$140) |
| Water/Sewer (Monthly) |
$65 ($37-$112) |
| Internet (Monthly) |
$65 ($37-$93) |
| Cell Phone Plan (Monthly) |
$61 ($28-$93) |
| Cable TV (Monthly) |
$79 ($47-$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70-$467) |
| Car Insurance (Annual) |
$1,866 ($1,120-$3,266) |
| Bus Pass (Monthly) |
$65 ($28-$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46-$23) |
| Car Registration (Annual) |
$93 ($28-$233) |
| Driver's License Renewal |
$28 ($14-$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560-$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467-$1,866) |
| After-School Care (Monthly) |
$373 ($187-$653) |
| Tutoring (Per Hour) |
$47 ($23-$93) |
| SAT/ACT Prep Course |
$933 ($373-$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665-$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28-$93) |
| Dog Vaccination (Annual) |
$93 ($47-$187) |
| Dog Grooming |
$56 ($28-$93) |
| Pet Boarding (Per Night) |
$37 ($19-$70) |
| Dog Spay/Neuter |
$280 ($140-$467) |
| Cat Spay/Neuter |
$187 ($93-$373) |
View all 9 services
Frequently Asked Questions About Hartford City
What is the population of Hartford City?
Hartford City has a population of 5,685 residents and is located in Indiana. The population density is 1,465 people per square mile, spread across 3.9 square miles. The median age of residents is 41.1 years, which is older than the national median of 38.9 years. The population is 54.3% female and 45.7% male.
Is Hartford City expensive to live in?
Hartford City is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $36,868, 51% below the national average of $75,149. The median home value is $77,800 (72% below the U.S. median). Renters pay a median of $619 per month, below the national average of $1,163. The home price-to-income ratio is 2.1x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Hartford City?
Hartford City has a four-season climate with an average annual temperature of 51°F (11°C). Winter temperatures average 26°F in January, while summers reach an average of 74°F in July. Annual rainfall totals 41.7 inches, with 32.2 inches of snow.
How is the job market in Hartford City?
The job market in Hartford City faces challenges, with unemployment at 8.9% / significantly above the national rate of 3.6%. The average weekly wage is $897. There are 245 business establishments in the area, including 17 restaurants and food service locations. The average commute time is 20 minutes, and 3.4% of workers work from home.
How much does housing cost in Hartford City?
The median home value in Hartford City is $77,800. Zillow estimates the typical home value at $146,463. For renters, the median monthly rent is $619. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 68.0%. The average annual property tax is $2,313.
How are the schools in Hartford City?
Schools in Hartford City score 6 out of 10 on standardized testing, near the national average. 11.0% of adults in Hartford City hold a bachelor's degree or higher, below the national average of 33.7%. 90.1% have completed high school. 4.9% hold a graduate or professional degree.
How healthy is Hartford City?
The obesity rate in Hartford City is 47.4% (above the national rate of 32.1%). 25.7% of adults are smokers. 33.2% are physically inactive. 29.9% of residents report depression. 11.3% lack health insurance (above the national rate). 42.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,511.
What is transportation like in Hartford City?
The average commute in Hartford City is 20 minutes, shorter than the national average of 28 minutes. 76.1% of workers drive alone to work, and 3.4% work from home.
What are the demographics of Hartford City?
The racial and ethnic makeup of Hartford City is 95.5% White, 0.6% Black or African American, 2.3% Hispanic or Latino. 97.5% of residents speak only English at home. 9.2% of the population are military veterans. 30.5% of residents have a disability. 88.7% have health insurance coverage.