Radcliff, Kentucky.
Typical home $209,558 (-1.0% in a year), asking rent $934 (+1.3%). Elizabethtown-Fort Knox, KY metro.
to buy the typical home at today's mortgage rate — +$618 (+128%) since Jan 2020.
- 1 year
- Down $2,089 -1%
- $211,647$209,558 since Sep 2025
- 5 years
- Up $48,419 +30%
- $161,139$209,558 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.
- Radcliff$1,100
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Radcliff, KY fell 1.0% over the past year — slower than the nation's +1.2%.
Asking rents in Radcliff, KY rose 1.3% over the past year — slower than the nation's +2.7%.
Owning the typical home in Radcliff runs $505/mo more than renting one. The gap peaked at $557 in Jun 2025.
That is $1,439 a month against $934 rent: a $1,100 mortgage payment, plus $114 property tax and $224 insurance & upkeep.
Owning vs renting — Radcliff
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,439
- Renting$934
- Mortgage only$1,100
Property tax · $114/mo 0.66% of value a year — the ACS 2020-2024 median bill over the median home value for Hardin County, KY
Insurance & upkeep · $224/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Radcliff, Hardin County, Kentucky
Radcliff is a city of 23,042 people in Hardin County. Half its households earn more than $58,559 a year and half less, against $67,647 across Hardin County; 16% of its people live below the poverty line. 50% of its homes are lived in by their owners and 50% are rented. Unemployment in Hardin County was 4.7% in August 2026, and the county had 0.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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. Radcliff is a small city in Hardin County, Kentucky, with a younger population than many American towns. Incomes run below the county's, and a good share of residents live below the poverty line. Owners and renters share the town fairly evenly, so renting is common, and typical home values and rents sit at moderate levels. Fewer adults hold a four-year degree than in many places. Winters are cold, with January the coldest month, though snowfall is light. Summers turn warm in July, and the year brings plenty of rain.
Work. Residents work mostly in schools, hospitals and social care, followed by shops, manufacturing, and professional and business services. Among the largest workplaces in Radcliff are Lincoln TRL Behavioral Health System, the Carl M. Brashear Radcliff Veterans Center and Signature Healthcare. The county has seen slightly fewer jobs than the year before, and the commute is a fairly typical one, with some people working from home.
Things to do. The General George Patton Museum of Leadership, a museum, is a short drive away. A longer drive leads to Abraham Lincoln Birthplace National Historical Park, a protected area, and to Bernheim Forest and Arboretum, a botanical garden. The Louisville Zoo is also a longer drive away.
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- 9,592households
- 18%of adults have a degree
- 16%below the poverty line
- 25 mintypical commute
- 9%work from home
What residents work in
Employed residents by industry, from the Census survey. Hardin County had 48,702 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 24°; warmest in July, with highs near 86° and lows near 66°. About 4 inches of snow and 54 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Elizabethtown Wp Cs weather station, 10 miles away (NOAA).
Largest workplaces in Radcliff
- Lincoln TRL Behavioral Health SystPsychiatric and substance abuse hospitals234
- Carl M. Brashear Radcliff Veterans CenterSkilled nursing facilities146
- Signature HealthcareSkilled nursing facilities135
- City of Radcliff (2)Executive offices, federal, state, and local110
- Taylor Comms - Radcliff89
- RK HoldingsFarm supply store67
- Goodwill IndustriesUsed merchandise stores54
- RadcliffMail and parcel delivery28
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 883 people in all. 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
- Strong windRelatively high
- Ice stormsRelatively high
- LightningRelatively high
- Hailrelatively high in parts of RadcliffRelatively moderate
- Winter weatherrelatively high in parts of RadcliffRelatively moderate
- Cold wavesrelatively high in parts of RadcliffRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Radcliff’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 Hardin County and the Elizabethtown-Fort Knox, KY metro.
Radcliff home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Radcliff$209,558
- Kentucky$230,909
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Radcliff listings — the market is roughly in balance.
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.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Radcliff30.09%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Radcliff104
New listings per month
Sellers arriving at the market.
- Radcliff23
Median sale price
What buyers actually paid — closed sales, not asking prices.
Not enough data to draw this yet.
Zip codes with a Radcliff address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Radcliff — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.