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Harker Heights city, TX

ZIP 76548 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76548

Median Home Value
$268,000
Median Rent
$843
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,722/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 76548 in Harker Heights city, TX, a household would need roughly $74,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,722. That is roughly in line with the local median household income ($80,847). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.2%-5% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
2.2%-69% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
31.1%-19% vs US avg
x
$268,000
Home Value
$843
Rent
2000
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached68.2%
  • 1-unit attached1.9%
  • 2-9 units16.8%
  • 10+ units4.8%
  • Mobile home & other8.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$268,000
Median rent$843
Owner-occupied62.2%
Vacant6.6%
Price-to-income3.3x
Est. income to buy$74,000