In Harker Heights, a typical home is worth $287,800 and typical rent is $1,146 a month. Compared with all of Bell County, the typical home value is 19% higher, typical household income is 18% higher, and the share of households that own their home is 5 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $267,581 to $295,571.
Typical rent
$1,459a month
▲ 1.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,285 to $1,459.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harker Heights is in Bell County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Bell County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Copperas Cove, the typical home value is $180,500: 37% less than in Harker Heights ($287,800).
2
The typical home in Harker Heights is worth $287,800,19% more than in Bell County as a whole ($241,000).
3
The typical household income in Harker Heights is $81,190,18% more than in Bell County as a whole ($68,865).
4
62% of households in Harker Heights own their home, against 57% in Bell County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Harker Heights
What homes there are in Harker Heights, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Harker Heights
Bell County
Texas
United States
Kind of home: Harker Heights and its comparisons
Measure
Harker Heights
Bell County
Texas
United States
Detached house
67%
65%
64%
61%
Attached house
3%
4%
3%
6%
Building of 2 to 4
15%
11%
5%
8%
Apartments (5 or more)
Unreliable estimate
14%
21%
19%
Mobile home
8%
6%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Bell County, most homes in Harker Heights are detached houses (67%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Harker Heights
Bell County
Texas
United States
Year built: Harker Heights and its comparisons
Measure
Harker Heights
Bell County
Texas
United States
Before 1960
Unreliable estimate
8%
12%
26%
1960–1979
20%
20%
21%
24%
1980–1999
26%
28%
28%
25%
2000–2009
27%
19%
18%
14%
2010 or later
27%
25%
21%
11%
Here half of the homes date from 2001 or later; in Bell County, from 1996 or later.
In Harker Heights, 76% of homes have 3 bedrooms or more, more than in Bell County (69%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K11%
$100K–$200K16%
$200K–$300K27%
$300K–$500K37%
$500K–$750K8%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harker Heights and its comparisons
Measure
Harker Heights
Under $100K
11%
$100K–$200K
16%
$200K–$300K
27%
$300K–$500K
37%
$500K–$750K
8%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Bell County is $541,287, and about 91% of owner-occupied homes in Harker Heights are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99929%
$1,000–$1,49941%
$1,500–$1,99914%
$2,000–$2,49913%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harker Heights and its comparisons
Measure
Harker Heights
Under $500
Unreliable estimate
$500–$999
29%
$1,000–$1,499
41%
$1,500–$1,999
14%
$2,000–$2,499
13%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,926 a month
Bell County: $1,722 a month
Without a mortgage
$709 a month
Bell County: $609 a month
Owners with a mortgage
69%
Bell County: 63%
Owning costs more in Harker Heights: with a mortgage, the typical cost is $1,926 a month; in Bell County, $1,722. Without one, $709.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harker Heights+43%
Bell County+63%
Texas+65%
United States+53%
Typical rent
Harker Heights+22%
Bell County+32%
Texas+34%
United States+33%
Typical household income
Harker HeightsNo clear change
Bell County+26%
Texas+27%
United States+29%
Change since 2015–2019: Harker Heights and its comparisons
Measure
Harker Heights
Bell County
Texas
United States
Typical home value
+43%
+63%
+65%
+53%
Typical rent
+22%
+32%
+34%
+33%
Typical household income
No clear change
+26%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Harker Heights rose 43%; in Bell County, it rose 63%.
Rents in Harker Heights rose more slowly than in Bell County: 22% since 2015–2019, against 32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harker Heights and its comparisons
Measure
Harker Heights
Bell County
Texas
United States
Rental vacancy
Unreliable estimate
5.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.1%
0.9%
More than one person per room
Unreliable estimate
4.2%
4.8%
3.4%
People per household
2.72
2.65
2.69
2.53
Drive alone
76%
76%
71%
69%
Carpool
12%
11%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
8%
9%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Bell County, a household in Harker Heights has 2.72 people on average.
In Harker Heights, 76% of workers drive alone to work; in Bell County, 76%.
Do the math
What would you pay each month for a home in Harker Heights?
A typical home costs more than the typical income allows
We start with a typical home in Harker Heights, worth $287,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Harker Heights, which is $81,190 a year. For that payment to be 28% of income, a household would need to earn about $106,000 a year.
The calculator's FHA and conventional loan limits are those of all of Bell County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Harker Heights. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,073 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,473
at 7.18% · 30 years
Loan amount
$282,587
Total interest
$406,577
Paid off in
November 2056
Includes $4,860 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,894 a month
Tight
$1,894 to $2,436 a month
Hard
more than $2,436 a month
Your payment · 37%
Compared with the typical household income in Harker Heights ($81,190 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,914
Property tax
$312
Home insurance
$120
FHA mortgage insurance (MIP)
$127
You need at least $10,073 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,473; principal and interest $1,914.
The city and its county
Harker Heights and Bell County
Harker Heights is in Bell County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Harker Heights
Map of Bell County, Texas, with Harker Heights marked. Around it, the neighboring counties.
Harker Heights
Bell County
Other cities with a page
Harker Heights's own numbers
Typical home value
$287,800
Typical monthly rent
$1,146
Typical yearly household income
$81,190
Households that own their home
62%
Effective property tax rate
1.3%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bell County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,138
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Bell County.
A typical home in Harker Heights is worth $287,800: 19% above the county and about the same as Texas. With the typical household income in Harker Heights ($81,190 a year), a typical home costs 3.5 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Harker Heights3.5 years
Bell3.5 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Bell County
According to FHFA’s house price index, home prices in Bell County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Bell County.
Yearly change in FHFA’s price index in Bell County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +4.3% +4.3% 2017
2018: +5.9% +5.9% 2018
2019: +6.6% +6.6% 2019
2020: +4.9% +4.9% 2020
2021: +17.1% +17.1% 2021
2022: +22.7% +22.7% 2022
2023: +4.1% +4.1% 2023
2024: +1.9% +1.9% 2024
2025: −2.1% −2.1% 2025
Change in FHFA’s price index in Bell County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−2.1%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+92%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Harker Heights next to Bell County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Harker Heights$287,800
Bell$241,000
Texas$283,800
United States$332,700
Typical monthly rent
Harker Heights$1,146
Bell$1,224
Texas$1,403
United States$1,413
Typical yearly household income
Harker Heights$81,190
Bell$68,865
Texas$78,476
United States$80,734
See the full table
Harker Heights next to Bell County and Texas
Measure
Harker Heights
Bell County
Texas
U.S.
Typical home value
$287,800 ▲19% above the county
$241,000
$283,800
$332,700
Typical monthly rent
$1,146 ▼6% below the county
$1,224
$1,403
$1,413
Typical yearly household income
$81,190 ▲18% above the county
$68,865
$78,476
$80,734
Households that own their home
62% ▲5 points above the county
57%
63%
65%
Typical yearly property tax
$3,743 ▲8% above the county
$3,476
$4,232
$3,119
Effective property tax rate
1.3% ▼0.14 points below the county
1.44%
1.49%
0.94%
Renters with high rent for their income
49% ▼2 points below the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bell County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Harker Heights
For a typical $287,800 home in Harker Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harker Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,473a month
Least cash to close
Down payment
$10,073
Cash to close
$18,707
Rate
7.18%
Mortgage insurance
FHA MIP · $127
Conventional, 5% down$2,421a month
Down payment
$14,390
Cash to close
$23,024
Rate
7.18%
Mortgage insurance
PMI · $137
Conventional, 20% down, no PMI$1,991a month
Down payment
$57,560
Cash to close
$66,194
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,257a month
Down payment
$43,170
Cash to close
$51,804
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harker Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,473
$10,073
$282,587
7.18%
FHA MIP · $127
$18,707
580
Conventional, 5% down
$2,421
$14,390
$273,410
7.18%
PMI · $137
$23,024
620*
Conventional, 20% down, no PMI
$1,991
$57,560
$230,240
7.18%
None
$66,194
620*
ITIN, 15% down (example)
$2,257
$43,170
$244,630
8.18%
None
$51,804
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Harker Heights is $1,146 a month: 6% below the county. In Harker Heights, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Bell County, by unit size. To pay the 2-bedroom one ($1,138 a month) without spending more than 30% of your income, you would need to earn $21.88 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Bell County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$921
$17.71
$36,840
1 bedroom
$927
$17.83
$37,080
2 bedrooms
$1,138
$21.88
$45,520
3 bedrooms
$1,576
$30.31
$63,040
4 bedrooms
$1,902
$36.58
$76,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Harker Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harker Heights has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,110 in 76548 to $1,210 in 76513.
1 of the 2 is above the fair market rent for Bell County ($1,138).
Fair market rent by ZIP code and size in Harker Heights, fiscal year 2027.
76513
$980
$990
$1,210
$1,680
$2,020
76548
$890
$900
$1,110
$1,540
$1,870
ZIP code2 bd3 bd
76513 $1,210$1,680
76548 $1,110$1,540
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harker Heights when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in Bell County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Harker Heights or Bell County. The ones below are statewide in Texas: they work in Harker Heights the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
The HUD-approved agencies closest to the center of Harker Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
FC
Families in Crisis, Inc.
1305 E Rancier Ave, Killeen · 6 miles away · Spanish
No legal help resource on our list is for Harker Heights or Bell County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Harker Heights and all of Bell County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Harker Heights?
The typical home value in Harker Heights is $287,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bell County it is $241,000.
How much does it cost to rent in Harker Heights?
Typical rent in Harker Heights is $1,146 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bell County is $1,138.
What is the FHA loan limit in Harker Heights?
Harker Heights uses the FHA limit for all of Bell County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Harker Heights?
The typical homeowner in Harker Heights pays $3,743 a year, according to the U.S. Census Bureau. That is 1.3% of the home’s value; in Bell County, the rate is 1.44%.
Where can I find free help to buy or rent in Harker Heights?
There is 1 HUD-approved counseling agency with an office in Bell County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
