Retiring to Hardin County, Kentucky
Elizabethtown, Radcliff, Vine Grove and Rineyville: what your home sale leaves you after you buy here, how far care is, and what a year of property tax costs. For example, a $525,000 sale and an Elizabethtown home at the $310,000 median leaves about $183,500 after 6% selling costs; property tax after Kentucky’s 65+ homestead exemption is about $2,019 a year.
Questions? Call or text Chris Harris, REALTOR®: (270) 421-8726.
Next steps, your choice
Plan a scouting week
One town a day: the drive to the hospital, homes to see, and dinner.
Plan my visitShare with family
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Ask Chris
Chris Harris, REALTOR®, lives here and answers himself.
Can’t visit first?
Chris can walk a home on video for you, live or recorded.
Ask Chris
Check crime data
We don’t grade neighborhoods on crime. Look up the streets you’re considering in Elizabethtown, Radcliff, Vine Grove or Rineyville with the agency that patrols them:
- Elizabethtown Police Department (city police)
- Radcliff Police Department (city police)
- Vine Grove Police Department (city police, monthly activity reports)
- Hardin County Sheriff’s Office (addresses outside city limits)
- FBI Crime Data Explorer (agency-level reports)
What Kentucky doesn’t tax
- Social Security is not taxed by Kentucky.
- The first $31,110 of pension and retirement income per person is excluded from Kentucky income tax (Schedule P).
- Military retired pay counts toward the same $31,110 exclusion; the share earned before January 1, 1998 is fully exempt.
- Homestead exemption: $49,100 of assessed value for 2025–26 for owners 65 and older (apply once with the county PVA).
Full details: Kentucky retirement taxes →
Source: AARP Kentucky tax guide; Kentucky Department of Revenue (read 2026-10-16); Kentucky Department of Revenue, Schedule P (read 2026-10-16); Kentucky Department of Revenue (military retired pay) (read 2026-10-20); Kentucky Department of Revenue, Nov 14, 2024 (read 2026-10-16). Figures change each year; confirm with the agency before you rely on them. Not tax advice.
The twenty-year test
Which of these do you need in the house you will live in for twenty years?
Email me homes that pass
The alert matches what the listing feed has: price, bedrooms, bathrooms, year built and house type. Chris checks each match for the features the listing feed can’t see.
Home prices: Heart of Kentucky Association of REALTORS® MLS closed sales, 2024-10 to 2026-10, compiled by Chris Harris; information deemed reliable but not guaranteed. Property tax: Census ACS 2023 effective rates. Selling costs estimated at 6% of the sale price.
Chris Harris, REALTOR® · Real Broker, LLC · Kentucky license #299754 · (270) 421-8726