Harker Heights: Entry-Level Homes and Affordability Check

What does it cost to buy an entry-level home in Harker Heights right now? The median sale price for the bottom quartile of homes is $324,950 across 32 closed sales in the rolling six months ending October 31, 2026. This figure represents the most affordable tier available in the market today. ALEX Intelligence calculated affordability using a standard scenario: a median entry-level price with a 30-year fixed mortgage at 7.24%, based on the Freddie Mac Primary Mortgage Market Survey for the week of October 29, 2026. The resulting principal and interest payment is $1,772 per month. Buyers should note that this calculation excludes taxes, insurance, and HOA fees. The market has seen a slight shift in pricing dynamics. While the median entry-level price rose 0.8% compared to the same six-month window last year, it dropped 6.2% from the prior six months. Homes are selling slightly faster now, with median days on market at 36, down 18.2% from the previous period. However, fewer homes are closing above their original list price, with 71.9% of sales falling below the asking amount. For buyers focused on affordability, the current rate environment means monthly payments remain significant relative to the median entry-level price. The data shows a market where prices have stabilized but buyer leverage has increased, as nearly three-quarters of recent sales closed below the original list price. The 3/2/1 buydown option could reduce the initial payment burden significantly. At a total cost of $12,072 (3.72% of the median price), this buydown would save buyers $495 per month in principal and interest during the first year. A 2/1 buydown offers a similar but shorter-term relief for $6,132 total cost. Want to see this home? Call or text George at 713.918.9951 for a private showing. Coverage: most home sales in Harker Heights are listed in another MLS, which ALEX does not receive yet. The figures in this post count only sales listed in Unlock MLS (ABOR), so they describe part of the local market, not all of it. Data from Unlock MLS. Information deemed reliable but not guaranteed. Model outputs are ALEX Intelligence estimates, not appraisals. Read more Central Texas market data on the ALEX blog: https://alex-companies.com/blog