States · Kentucky · Harlan County

Harlan, Kentucky.

Typical home $99,714 (-8.8% in a year).

What it costs per month · Harlan $523/mo

to buy the typical home at today's mortgage rate — +$289 (+123%) since Jan 2020.

What the home itself did
1 year
Down $9,601 -9%
$109,316$99,714 since Sep 2025
5 years
Up $27,486 +38%
$72,229$99,714 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Harlan $523 Kentucky $1,212 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Harlan$523
  • Kentucky$1,212
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 11 years.

Typical home values in Harlan, KY fell 8.8% over the past year — slower than the nation's +1.2%.

Living in Harlan, Harlan County, Kentucky

Harlan is a city of 1,776 people in Harlan County. Half its households earn more than $32,408 a year and half less, against $41,693 across Harlan County; 33% of its people live below the poverty line. 41% of its homes are lived in by their owners and 59% are rented. Unemployment in Harlan County was 5.9% in August 2026, and the county had 0.5% fewer jobs in 2025 than the year before. The most people in Harlan County work in schools and health care, then shops.

People 1,776 in the 2020 census; median age 40.8
Household income $32,408 the median, give or take $4,547 · Harlan County: $41,693
Unemployment 5.9% Harlan County, August 2026; 6.8% a year before
Homes 41% lived in by their owners; 59% rented

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Harlan is a small city in the hills of eastern Kentucky, where the typical resident is a little older than the typical American. Household incomes run below the county's, and a larger share of people live below the poverty line than in most places. Fewer homes are lived in by their owners than you would find across much of the country, and homes tend to be modestly priced. Winters are cold, with nights that fall below freezing in the coldest months, while summers turn warm, and the year brings plenty of rain and melted snow.

Work. Many residents work in schools, hospitals and social care, with shops, the building trades and government close behind. Across Harlan County, the largest workplaces include Harlan County Schools, Harlan ARH Hospital and Southeast Kentucky Community & Technical College. Jobs across the county have slipped slightly over the past year, and unemployment is lower than it was a year earlier but still on the high side. Very few people work from home.

Things to do. The outdoors is the main draw. Kentenia State Forest and Blanton Forest, both protected areas, are a short drive away, as is Martins Fork Lake, a reservoir. Farther afield, a longer drive brings you to Cumberland Gap National Historical Park, a protected area on the Kentucky line.

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  • 1,047households
  • 26%of adults have a degree
  • 33%below the poverty line
  • 5%work from home

What people in Harlan County work in

  • Schools, hospitals and social care34%
  • Shops (retail)15%
  • Building trades7%
  • Government7%
  • Other services6%
  • Manufacturing6%

Employed residents by industry, from the Census survey. Harlan County had 6,247 jobs in 2025, 0.5% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 45° and 26°; warmest in July, 85° and 65° 20° 40° 60° 80° J 45° 26° F M A M J J 85° 65° A S O N D
Average daily high and low for each month: coldest in January, 45° and 26°; warmest in July, 85° and 65° 20° 40° 60° 80° J 45° 26° F M A M J J 85° 65° A S O N D

Coldest in January, with highs near 45° and lows near 26°; warmest in July, with highs near 85° and lows near 65°. About 52 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Baxter weather station, a mile away (NOAA).

Largest workplaces in Harlan County

  1. Harlan County SchoolsSchool district638FTE
  2. Harlan ARH HospitalConvalescent homes or convalescent hospitals402
  3. Harlan ARHGeneral hospital315FTE
  4. Southeast Kentucky Community & Technical CollegeTwo-year college277
  5. WalmartDiscount department stores173
  6. Harlan Health and Rehabilitation CenterNursing homes154
  7. K VA T Food StoresSupermarket124
  8. Southeastern Ky Rehabilitation IndustriesCut and sew apparel contractors122

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 16 workplaces with 20 or more staff, 1,543 people in all across the county; Harlan has two of its own. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. Strong windRelatively high
  2. Inland floodingRelatively high
  3. Winter weatherrelatively high in parts of HarlanRelatively moderate
  4. Cold wavesrelatively high in parts of HarlanRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Harlan’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Harlan County.

Harlan home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$100,000 $200,000 $300,000 2018 2020 2022 2024 2026 Harlan $99,714 Kentucky $230,909 United States $366,157
$100,000 $200,000 $300,000 2018 2022 2026
  • Harlan$99,714
  • Kentucky$230,909
  • United States$366,157

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

10 20 30 2018 2019 2020 2021 2022 2023 2024 2025 2026 Harlan 9
10 20 30 2018 2022 2026
  • Harlan9

Zip codes with a Harlan address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Harlan — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Harlan