Harker Heights, TX

Below Avg · 84

Texas · Population 33,595 · Updated March 2026

$1,114
Median Rent / Month
$82,685
Median Income
$269,000
Median Home Value
$1,291
Owner Costs / Month

Affordability

How far your income goes in Harker Heights

16.2%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Texas

State-level tax rates that affect your costs

0%
Income Tax (Top Rate)
6.25%
Sales Tax
1.6%
Property Tax Rate

Estimated Annual Costs

$13,368
Annual Rent
$0
State Income Tax
$4,304
Property Tax (est.)

Cost of Living Overview

Harker Heights is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 84 (where 100 equals the national median), Harker Heights residents can expect to pay median rent of $1,114/month while earning a median household income of $82,685/year.

The median home value in Harker Heights, TX is $269,000, with typical monthly owner costs around $1,291 including mortgage, insurance, and taxes. The median rent-to-income ratio of 16.2% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Texas has no state income tax, which can represent significant savings compared to high-tax states. Combined with a 6.25% sales tax rate and 1.6% effective property tax rate, the overall tax environment helps keep costs manageable in Harker Heights.

Frequently Asked Questions

Common questions about living costs in Harker Heights

What is the cost of living in Harker Heights, TX?
The cost of living index in Harker Heights, TX is 84 (US average = 100). Median monthly rent is $1,114, median household income is $82,685/year, and the median home value is $269,000.
Is Harker Heights, TX affordable?
Yes, Harker Heights is more affordable than the national average with a cost index of 84. The rent-to-income ratio is 16.2%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Harker Heights, TX?
The median gross rent in Harker Heights, TX is $1,114 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $13,368.
What is the median household income in Harker Heights?
The median household income in Harker Heights, TX is $82,685 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Texas?
Texas has a top income tax rate of 0%, a sales tax of 6.25%, and an effective property tax rate of 1.6%. Notably, there is no state income tax.