Median Income
$61,313
18% lower than US avg
Home Value
$103,800
63% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
18.8%
44% lower than US avg
Median Rent
$587
50% lower than US avg
Obesity Rate
34.5%
7% higher than US avg
Unemployment
2.1%
42% lower than US avg
Poverty Rate
11.0%
11% lower than US avg
How Hartford Compares to the U.S. Average (100% = U.S. avg)
People
Population2,653
Median Age36.9 yrs
Density934/mi²
Male / Female46% / 54%
Largest GroupWhite 93%
Veterans3.5%
Economy
B+
Median Income$61,313
Per Capita$29,511
Unemployment2.1%
Poverty11.0%
County GDP$1,077M
Commute20 min
Housing
A+
Home Value$103,800
Rent$587
Ownership61.2%
Zillow$161,707
Housing Units1,051
Rent Burden21.8%
Crime
C+
Violent0/100K
Property582/100K
Murder0.0/100K
Assault0/100K
Burglary182/100K
Climate
Avg Temp57°F (14°C)
AQI41 (Good)
Rain52.0 in/yr
Sunny Days299/yr
Elevation440 ft (134 m)
Education
C+
Bachelor's+18.8%
High School+85.1%
Graduate+10.1%
School Score5.56
Community
2024 VoteR 79% / D 19%
Commute20 min
Broadband85.4%
EV Stations3
Libraries3
Is Hartford a Good Place to Live?
Based on current data, Hartford receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Hartford offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Hartford is $61,313, 18% below the national average of $75,149. The job market is very strong with unemployment at just 2.1%. 11.0% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 20 minutes.
Cost of Living & Housing
The median home value in Hartford is $103,800, 63% below the national median / offering relatively affordable homeownership. Renters pay a median of $587 per month, below the national average / a plus for affordability. At just 1.7x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Hartford is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 582 per 100,000, 70% below the national average.
Education
18.8% of residents hold a bachelor's degree, below the national average of 33.7%. 85.1% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Hartford enjoys a moderate climate with an average annual temperature of 57°F. Winters average 34°F in January while summers reach 78°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 52.0 inches. Air quality is rated Good with a median AQI of 41.
Hartford has a population of 2,653 with a density of 934 people per square mile, spread across 2.7 square miles. The median age is 36.9 years, 5% younger than the national median of 38.9. The gender split is 53.6% female and 46.4% male. The city is predominantly White (93%), with 1.1% Black. English is the primary language spoken at home by 97.7% of residents. 3.5% of the population are veterans, below the national rate of 6.0%. 16.1% of residents have a disability (above the 13.0% national average). 97.9% have health insurance coverage.
Population
36.9yrs
Median Age
5% below US avg
Language Spoken at Home
English Only
97.7%
24% above US avg
Spanish
2.3%
83% below US avg
The median household income in Hartford is $61,313, which is 18% below the national average of $75,149. Per capita income is $29,511 (below the $39,052 national figure). The average weekly wage is $854, 40% lower than the U.S. average. The unemployment rate is 2.1% (below the 3.6% US average). 11.0% of residents live below the poverty line. The area has 516 business establishments, including 28 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 5.4% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $61,313 |
| 18% below US avg |
| Per Capita Income | $29,511 |
| Avg Weekly Wage | $854 |
| IRS Avg AGI | $53,304 |
| Gini Index | 0.429 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.1% |
| 42% below US avg |
| Poverty Rate | 11.0% |
| 11% below US avg |
| Establishments (County) | 516 |
| County GDP | $1,077M |
Business (County)
| Restaurants | 28 |
| Healthcare | 51 |
| Retail | 68 |
| Manufacturing | 21 |
Tax & Cost of Living
| Property Tax (IRS) | $2,014 |
| 42% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 1.94% |
Commute & Transportation
| Commute Time | 20.0 min |
| Drive Alone | 79.3% |
| Public Transit | 0.0% |
| Work from Home | 5.4% |
The median home value in Hartford is $103,800, 63% below the national median of $281,900. Zillow estimates the typical home value at $161,707, higher than the Census estimate. Monthly rent averages $587 (50% below the national average of $1,163). Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 61.2% of housing units are owner-occupied. There are 1,051 total housing units in the city. The median year a home was built is 1964. The average annual property tax is $2,014 (lower than the $3,500 national average). 21.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.7x, well within the affordable range.
Home Values
| Census Median | $103,800 |
| 63% below US avg |
| Zillow ZHVI | $161,707 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $587 |
| 50% below US avg |
| Rent Burden | 21.8% |
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 61.2% |
| Owner-Occupied | 61.2% |
| Renter-Occupied | 38.8% |
| Housing Units | 1,051 |
| Median Year Built | 1964 |
Property Tax
| Avg Tax (IRS) | $2,014 |
| 42% below US avg |
| Effective Rate | 1.94% |
In Hartford, 34.5% of adults are obese, above the national rate of 32.1%. The primary care physician ratio is 1:4,738. The dentist ratio is 1:3,921. 37.9% of residents have access to exercise opportunities. The food environment index is 7.8 out of 10.
Health Metrics: Hartford vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.5% |
| 7% above US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 97.9% |
| |
| Primary Care | 1:4,738 |
| Dentists | 1:3,921 |
| Mental Health | 1:1,969 |
| Dental Visits | 56.7% |
| Premature Death | 11,567/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 37.9% |
| Healthcare Facilities | 51 |
Hartford has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. This breaks down to aggravated assault at 0.0 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 582 per 100,000, 70% below the U.S. average. This includes larceny/theft at 400, burglary at 182, vehicle theft at 0 per 100,000 residents. The county recorded 1 fatal traffic crashes. Overall, Hartford receives a safety grade of C+.
Crime Rates: Hartford vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 0.0/100K |
Property Crime
| Total Property | 582.0/100K |
| 70% below US avg |
| Burglary | 181.9/100K |
| Theft | 400.2/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Traffic Accidents | 4 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Hartford enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winters average 34°F in January while summers reach 78°F in July. The area gets 299 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 52.0 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 440 feet.
Temperature
34°F Jan (1°C)
78°F Jul (25°C)
| Annual Average | 56.9°F |
| 5% above US avg |
| January Average | 34°F (1°C) |
| July Average | 78°F (25°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 440 ft (134 m) |
| Area | 2.7 sq mi (6.9 km²) |
| Population Density | 934/sq mi |
| Coordinates | 37.4534°N, 86.8898°W |
| Timezone | America/New_York |
| County | Ohio County County |
| Nearest Airport | Owensboro/Daviess County Regional (OWB)
25 miles away |
Precipitation & Snow
Annual Rainfall
52.0"
37% above US avg
Wettest Month (May)
4.72"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 54.2 / 100 |
| Social Vulnerability | 72.7 / 100 |
| Community Resilience | 52.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
47 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M2.6 on Aug 9, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
141 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
141 km |
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
98 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
140 km |
| Dec 7, 2000 |
7 km W of Evansville, Indiana |
M3.9 |
87 km |
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
84 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
140 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
91 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
140 km |
| Jan 2, 2006 |
3 km NNE of Eldorado, Illinois |
M3.6 |
141 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
142 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
139 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
140 km |
| Jul 18, 2008 |
6 km NNE of Bellmont, Illinois |
M3.1 |
141 km |
| Sep 9, 2017 |
4 km N of Bellmont, Illinois |
M3.1 |
140 km |
| May 30, 2023 |
6 km W of Calhoun, Kentucky |
M3.0 |
40 km |
| Jun 24, 2008 |
8 km NNE of Bellmont, Illinois |
M2.9 |
140 km |
| Apr 28, 2000 |
6 km W of Equality, Illinois |
M2.9 |
138 km |
| Nov 28, 1998 |
6 km SW of Bremen, Kentucky |
M2.9 |
37 km |
| Jan 3, 2003 |
9 km SW of Mount Vernon, Indiana |
M2.9 |
105 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
487 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 99 fatalities, 1,218 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
70 km |
6 |
| Apr 3, 1974 |
EF5 |
44 km |
31 |
| Nov 15, 2005 |
EF4 |
61 km |
0 |
| Apr 3, 1974 |
EF4 |
29 km |
0 |
| Apr 3, 1974 |
EF4 |
92 km |
3 |
| Dec 11, 2021 |
EF3 |
64 km |
16 |
| Dec 11, 2021 |
EF3 |
67 km |
0 |
| Nov 17, 2013 |
EF3 |
97 km |
0 |
| Nov 17, 2013 |
EF3 |
63 km |
0 |
| Apr 10, 2009 |
EF3 |
65 km |
0 |
| Mar 28, 2009 |
EF3 |
83 km |
0 |
| Feb 5, 2008 |
EF3 |
44 km |
3 |
| Oct 18, 2007 |
EF3 |
43 km |
0 |
| Apr 2, 2006 |
EF3 |
90 km |
0 |
| Nov 6, 2005 |
EF3 |
89 km |
24 |
| May 11, 2003 |
EF3 |
34 km |
0 |
| Apr 28, 2002 |
EF3 |
88 km |
0 |
| May 23, 2000 |
EF3 |
53 km |
0 |
| Jan 3, 2000 |
EF3 |
39 km |
0 |
| Apr 16, 1998 |
EF3 |
60 km |
2 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: FLOATING MILL HOLLOW (2,422 ac, 2010).
| Year |
Name |
Acres |
Distance |
| 2010 |
FLOATING MILL HOLLOW |
2,422 |
76 km |
| 2008 |
BROOKS KNOB |
2,225 |
67 km |
| 2012 |
FY2012 CRYSTAL CAVE BROADCAST BURN |
2,221 |
78 km |
| 2010 |
JOPPA CHURCH |
2,037 |
74 km |
| 2004 |
JIM LEE |
1,770 |
76 km |
| 2009 |
TEMPLE HILL |
1,628 |
65 km |
| 2009 |
JIM LEE |
1,613 |
76 km |
| 2007 |
DEAD DEER |
1,557 |
19 km |
| 2007 |
Big Woods |
1,500 |
78 km |
| 2008 |
GOBLIN KNOB |
1,445 |
75 km |
| 2017 |
UNNAMED |
1,336 |
72 km |
| 2019 |
UNNAMED |
1,057 |
73 km |
| 1999 |
UNNAMED |
1,039 |
19 km |
| 2021 |
UNNAMED |
959 |
75 km |
| 2014 |
UNNAMED |
910 |
84 km |
| 2019 |
UNNAMED |
892 |
84 km |
| 2024 |
LONG RUN RX |
774 |
72 km |
| 2010 |
RICEVILLE RX |
671 |
98 km |
| 2007 |
DENNISON FERRY RX |
655 |
80 km |
| 2000 |
UNNAMED |
641 |
54 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
34°F (1°C) |
3.3 in |
Coldest |
| February |
37°F (3°C) |
4.0 in |
|
| March |
47°F (8°C) |
4.6 in |
|
| April |
56°F (14°C) |
4.5 in |
|
| May |
65°F (18°C) |
4.7 in |
Wettest |
| June |
73°F (23°C) |
3.7 in |
|
| July |
78°F (25°C) |
4.3 in |
Warmest |
| August |
76°F (24°C) |
3.6 in |
|
| September |
70°F (21°C) |
3.7 in |
|
| October |
58°F (14°C) |
2.9 in |
Driest |
| November |
47°F (9°C) |
4.4 in |
|
| December |
38°F (3°C) |
4.4 in |
|
Hartford has a seasonal temperature swing of 44°F / from 34°F in January to 78°F in July. Total annual precipitation is 48.1 inches, with May being the wettest month (4.7") and October the driest (2.9").
Average costs for common services in Hartford. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$226 ($135–$361) |
| Specialist Visit |
$316 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$316) |
| Emergency Room Visit |
$1,984 ($722–$4,510) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$226 ($135–$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$271 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($361–$902) |
| Battery Replacement |
$180 ($90–$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$361 ($135–$722) |
| HVAC System Install |
$6,314 ($3,608–$10,824) |
| Roof Repair |
$902 ($361–$1,804) |
| Roof Replacement |
$8,118 ($4,961–$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451–$3,157) |
| Divorce (Contested) |
$13,530 ($4,510–$27,060) |
| DUI Defense |
$4,510 ($1,804–$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722–$2,706) |
| Will Preparation |
$451 ($180–$902) |
| Trust Preparation |
$2,255 ($902–$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$226) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71–$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26–$4.51) |
| Loaf of Bread |
$3.43 ($2.26–$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61–$6.77) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$226) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,804 ($1,082–$3,157) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22–$23) |
| Car Registration (Annual) |
$90 ($27–$226) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541–$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451–$1,804) |
| After-School Care (Monthly) |
$361 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$902 ($361–$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510–$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$271 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $615 |
| Toddler | $582 |
| Preschool | $582 |
| Family Childcare (monthly) |
| Infant | $533 |
| Toddler | $455 |
| Preschool | $455 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Hartford
What is the population of Hartford?
Hartford has a population of 2,653 residents and is located in Kentucky. The population density is 934 people per square mile, spread across 2.7 square miles. The median age of residents is 36.9 years. The population is 53.6% female and 46.4% male.
Is Hartford expensive to live in?
Hartford is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $61,313, 18% below the national average of $75,149. The median home value is $103,800 (63% below the U.S. median). Renters pay a median of $587 per month, below the national average of $1,163. The home price-to-income ratio is 1.7x, indicating housing is reasonably affordable relative to local income levels.
Is Hartford safe?
Hartford is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 582 per 100,000 (below the national average). Overall, Hartford receives a safety grade of C+ based on combined crime data.
What is the weather like in Hartford?
Hartford enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winter temperatures average 34°F in January, while summers reach an average of 78°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 52.0 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Hartford?
The job market in Hartford is very strong, with unemployment at just 2.1% / well below the national rate of 3.6%. The average weekly wage is $854. There are 516 business establishments in the area, including 28 restaurants and food service locations. The average commute time is 20 minutes, and 5.4% of workers work from home.
How much does housing cost in Hartford?
The median home value in Hartford is $103,800. Zillow estimates the typical home value at $161,707. For renters, the median monthly rent is $587. Fair market rent is $794 for a 1-bedroom and $984 for a 2-bedroom apartment. The homeownership rate is 61.2%. The average annual property tax is $2,014.
How are the schools in Hartford?
Schools in Hartford score 5.6 out of 10 on standardized testing, near the national average. 18.8% of adults in Hartford hold a bachelor's degree or higher, below the national average of 33.7%. 85.1% have completed high school. 10.1% hold a graduate or professional degree.
How healthy is Hartford?
The obesity rate in Hartford is 34.5% (above the national rate of 32.1%). 37.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,738.
What is transportation like in Hartford?
The average commute in Hartford is 20 minutes, shorter than the national average of 28 minutes. 79.3% of workers drive alone to work, and 5.4% work from home.
What are the demographics of Hartford?
The racial and ethnic makeup of Hartford is 93% White, 1.1% Black or African American. 97.7% of residents speak only English at home. 3.5% of the population are military veterans. 16.1% of residents have a disability. 97.9% have health insurance coverage.
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