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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Harker Heights, TX Housing Affordability Index

Harker Heights, Texas has an MBR Housing Affordability Index score of 100.0 (Near National Average) as of October 30, 2026, ranking 1006th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $287,800 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,578, or 23% of the city’s $81,190 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Harker Heights is updated every night from live Texas mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Harker Heights MBR-HAI 100.0 Near National Average
Rank in Texas 1,006 of 1,229 1 = most affordable
Texas 99.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.29% Texas lenders
Median home value $287,800 U.S. Census Bureau

Harker Heights is 0.8 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Harker Heights Mortgage Rates

What It Takes to Buy in Harker Heights

$1,578/mo
Principal & Interest
Median home, 20% down, 7.29%
$67,600
Income Needed
To keep the payment at 28% of income
$81,190
Median Household Income
Texas: $78,476
3.5x
Price-to-Income Ratio
Texas: 3.6x
$1,632/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,904/yr
Median Property Tax
1.36% of median value
35.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
47.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Harker Heights, Texas. The rate is the Texas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Harker Heights Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Harker Heights, Texas score: 100.0 (Near National Average), ranked 1,006 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/harker-heights”