Harlan, IN—46743
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Harlan, IN
As of Oct '25, the median home price in Harlan, IN is $267,000, with a year-over-year change of 4.3%. This indicates that home prices in Harlan, IN are increasing. According to Zillow, the 1-year price projection is 2.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $267,000 | 4.3% |
| Single Family | $268,000 | 4.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $260,000 | 4.0% |
4 Bed | $333,000 | 4.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Harlan, IN
As of July '25, Rentcast reports the average rent in Harlan, IN is $783, with a year-over-year rent change of -28.8%. Per bedroom, the median rent as of July '25 in Harlan, IN is 2-bedrooms: $783. The most common rental property sizes in Harlan, IN are 3-bedroom and 2-bedroom, accounting for 68.8% and 31.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $750 | $783 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $750 | $783 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Harlan, IN
As of Oct '25, Realtor.com reports that the median days on market for a home in Harlan, IN is 5. This is a decrease of -12.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $255,000 | 8.0% |
Listing Count | 2 | -68.0% |
| Listings as % of Homes | 0.3% | -68.0% |
Days on Market | 5 | -12.0% |
Demographics — Harlan, IN
As of the latest ACS Survey released in 2023, Harlan, IN has a population of 2,190, which has remained stable by -0.5% over the past 5 years. Harlan, IN is a moderately popular place for families, as children make up 18.4% of the population. The area has a poorly educated workforce, with 21.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,190 | -0.5% |
% Under 18 | 18.4% | -34.5% |
% Seniors | 20.5% | 4.1% |
% WFH | 8.8% | 29.4% |
% w/ College Degree | 21.5% | 25.7% |
As of the latest ACS Survey released in 2023, Harlan, IN is a predominantly white area, with 97.0% of the population identifying as white. The white population has shrunk by 1.0% in the last 5 years. The second most common race or ethnicity in Harlan, IN is hispanic, making up 2.2% of the population. Foreign-born residents account for 0.5% of the population in Harlan, IN, and this percentage has increased by Inf% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 97.0% | -1.0% |
% Black | 0.0% | -100.0% |
% Hispanic | 2.2% | 175.0% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.5% | ∞% |
Mortgage and Risk — Harlan, IN
According to HUD data as of 2023, there were 81 mortgage originations in Harlan, IN, of which 93.0% of loans were conventional mortgages. The average loan-to-value was 49.0%, with 11.0% above 90% LTV (elevated). This implies medium mortgage risk in Harlan, IN. Investor activity is low, as 0.0% of loans were by investors. 20.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 81 |
% Conventional Loans | 93.0% |
% Government Loans | 7.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 20.0% |
Loan Activity
Rentals and Section 8 — Harlan, IN
Harlan, IN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,050 |
| 2 Bedroom | $520 | $750 | $1,270 |
| 3 Bedroom | N/A | N/A | $1,600 |
| 4 Bedroom | N/A | N/A | $1,730 |
Affordability — Harlan, IN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $267,000 |
| Median Household Income | $71,900 |