Market Overview
Home Prices in Harker Heights, TX
The median home value in Harker Heights, TX is $300,200 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1% compared to a year ago and down 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harker Heights are priced27% below average. Harker Heights is part of the Killeen-Temple, TX metro area.
Over the past five years, Harker Heights home values have risen by approximately17.7%, reflecting steady appreciation in this market.
Price History
Harker Heights Home Price Trend
City Comparison
Harker Heights vs. National Median
At $300,200, homes in Harker Heights cost 27% below the national median of $410,000. This makes Harker Heights a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Harker Heights?
20% Down Payment
$60,040
on $300,200
Monthly P&I
$1,566/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,989/mo
incl. taxes & insurance
Income Needed
$79,560
gross annual (30% rule)
10% Down Option
$30,020
+ PMI applies
Loan Amount (20% dn)
$240,160
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Harker Heights, TX?
The median home value in Harker Heights is $300,200 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1% year-over-year.
How much have home prices changed in Harker Heights?
Over the past year, home values in Harker Heights have increased by 1%. Over five years, prices have risen approximately 17.7%.
How much do I need to earn to buy a home in Harker Heights?
To comfortably afford the median home price of $300,200 with a 20% down payment ($60,040) at today's rates (6.8%), you'd need a gross annual income of approximately $79,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Harker Heights compare to the national average home price?
The national median home value is approximately $410,000. At $300,200, homes in Harker Heights are 27% below the national average.
What metro area is Harker Heights part of?
Harker Heights is part of the Killeen-Temple, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.