Market Overview
Home Prices in Harper, TX
The median home value in Harper, TX is $421,802 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5.3% compared to a year ago and up 3.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harper are priced3% above average. Harper is part of the Fredericksburg, TX metro area.
Over the past five years, Harper home values have risen by approximately9.2%, reflecting steady appreciation in this market.
Price History
Harper Home Price Trend
City Comparison
Harper vs. National Median
At $421,802, homes in Harper cost 3% above the national median of $410,000. Buyers in Harper should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Harper?
20% Down Payment
$84,360
on $421,802
Monthly P&I
$2,200/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,794/mo
incl. taxes & insurance
Income Needed
$111,760
gross annual (30% rule)
10% Down Option
$42,180
+ PMI applies
Loan Amount (20% dn)
$337,442
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 Harper, TX?
The median home value in Harper is $421,802 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5.3% year-over-year.
How much have home prices changed in Harper?
Over the past year, home values in Harper have decreased by 5.3%. Over five years, prices have risen approximately 9.2%.
How much do I need to earn to buy a home in Harper?
To comfortably afford the median home price of $421,802 with a 20% down payment ($84,360) at today's rates (6.8%), you'd need a gross annual income of approximately $111,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Harper compare to the national average home price?
The national median home value is approximately $410,000. At $421,802, homes in Harper are 3% above the national average.
What metro area is Harper part of?
Harper is part of the Fredericksburg, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.