Cost of Living in Harker Heights, TX
Cost of Living in Harker Heights, TX has an overall index of 94, 6% below the U.S. baseline of 100. The typical home value is $269,000; typical monthly rent is $1,493; and median household income is $82,685.
Cost index: committed city housing/rent inputs and BEA 2024 metro-area price parities. Home value: Census ACS 2023 fallback place estimate. Rent: Zillow ZORI market signal as of 2026-02. A place-level signal, not a personal affordability decision or financial recommendation.
Rent and home prices are comparatively balanced with local income. This describes the local market, not your household.
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Frequently asked questions about Harker Heights
Living in Harker Heights
Is Harker Heights, TX an affordable place to live?+
Yes — everyday expenses in Harker Heights run about 6% below the US average (Cost Index: 94). Housing is especially affordable: the median home is valued around $269,000, compared to the $303,400 national median. Monthly rent is $1,493, versus $1,348 nationally.
How does Harker Heights fit a household housing budget?+
Start with housing. Typical monthly rent is $1,493, while local median household income is $82,685. That implies a rent-burden proxy of about 22% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in Harker Heights, TX?+
This model applies no broad Texas wage-income tax. Applying the 1.6% state-level effective owner-occupied proxy to a home worth $269,000 gives a planning estimate near $4,304 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 8.19%.
How much does it cost to rent in Harker Heights, TX?+
The typical monthly rent in Harker Heights is around $1,493. That's about 11% higher than the $1,348 national median. For comparison, the median home value here is $269,000, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Harker Heights, TX?+
The typical home value in Harker Heights is $269,000. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $1,305/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 62% of residents here own their homes.
Are groceries and utilities expensive in Harker Heights?+
Grocery prices in Harker Heights are more affordable compared to the rest of the US (index: 94, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 81). Both help keep your monthly expenses lower than in many parts of the country.
What is Harker Heights, TX like to live in?+
Harker Heights is a smaller city with a population of about 33,595. The median age of residents is 35, which is close to the national median. The local poverty rate is 10.39%, near the national average of 12.4%.