Hartford is a small town of 2,672 in Kentucky, with a median household income of $62,366
and a 2.6% unemployment rate.
Its cost of living index is 86 (US average = 100), which is
14% below the national average.
Strengths:
Hartford stands out for an affordable cost of living, below-average home prices, lower-than-average crime, solid school ratings (B-), short average commutes.
Trade-offs:
No major red flags stand out in the available data. Whether Hartford is right for you depends on your priorities — the full breakdown is below.
All Hartford city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 86.5
Hartford's overall cost of living index is 86.5,
where 100 represents the US national average.
Living in Hartford costs roughly 14% less than the average American city.
Metric
Hartford, KY
National Avg
Median Home Value
$102,300
$244,900
Median Monthly Rent
$635
$1,163
Homeownership Rate
63.5%
65.9%
Median Household Income
$62,366
$74,755
Crime & Safety
Very Safe
Hartford's violent crime rate is 189.3 per 100,000 residents
— 50% lower than the national average of ~380 per 100,000.
Violent Crime
189.3 /100k
Property Crime
833.0 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Hartford is served primarily by Ohio County.
The student-to-teacher ratio is 16.2:1
(slightly above the national average of ~16:1).
Metric
Hartford, KY
National Avg
School District
Ohio County
—
Elementary Schools
6
—
Middle Schools
1
—
High Schools
3
—
Student/Teacher Ratio
16.2:1
16:1
Bachelor's Degree or Higher
21.7%
35.4%
High School Diploma or Higher
85.5%
91.1%
Weather & Climate
Hartford sees average highs of 43.8°F in January
and 87.7°F in July,
with 52.0 inches of annual precipitation
and 4.4 inches of snow per year.
Hartford's cost of living index is 86, where 100 is the national average.
That makes Hartford roughly 14% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $102,300 and median rent is $635/month.
Hartford's violent crime rate is 189.3 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 833.0 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Hartford are operated by Ohio County.
The district has 6 elementary, 1 middle, and 3 high schools.
The student-to-teacher ratio is 16.2:1. 21.7% of adults 25+ hold a bachelor's degree or higher.
Hartford, KY has a population of 2,672, a median household income of $62,366, and an unemployment rate of 2.6%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Hartford averages 43.8°F in January and 87.7°F in July. Annual rainfall is 52.0 inches
with about 4.4 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Hartford, KY is covered by 1 ZIP code: 42347.
The population of Hartford, Kentucky is 2,672 with a median age of 37.9. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Hartford: cost of living index 86 (100 = US average), median home $102,300, median household income $62,366, crime index 46 (100 = US average, lower is safer), schools rated B-. Whether these are benefits or drawbacks depends on where you're coming from — compare Hartford side by side with your current city to see the trade-offs.
