The typical owner-occupied home in Harper is worth about $434,600, 53% above the Texas median of $283,800 and 31% above the national median of $332,700. Owners pay a median $2,355 a year in property taxes, about 0.54% of their home's value, lower than the Texas rate of 1.49%. 74% of occupied homes here are lived in by their owners, and 49% of those owners still have a mortgage.
Harper at a glance
| Harper | Texas | U.S. | |
|---|---|---|---|
| Median home value | $434,600 | $283,800 | $332,700 |
| Median property tax paid per year | $2,355 | $4,232 | $3,119 |
| Property tax as a share of value | 0.54% | 1.49% | 0.94% |
| Median household income | – | $78,476 | $80,734 |
| Homes lived in by their owners | 74% | 63% | 65% |
| Owner homes with a mortgage | 49% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,457 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 16.3% | 21.7% | 21.0% |
| Median rent | – | $1,403 | $1,413 |
| Rent as a share of renters' income | 43.1% | 30.9% | 30.6% |
| Median year homes were built | 1991 | 1992 | 1980 |
| Vacant homes | 27.9% | 9.4% | 10.1% |
| Population | 1,214 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Harper
At this week's average 30-year rate of 7.11%, buying the median Harper home of $434,600 with 20% down costs about $2,716 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,440, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $116,379 for the 20%-down payment.
| Down payment | $86,920 |
|---|---|
| Loan amount | $347,680 |
| Principal and interest | $2,339 |
| Property taxes (0.54% a year) | $196 |
| Homeowners insurance (our estimate, 0.5% a year) | $181 |
| PMI | $0 |
| Total per month | $2,716 |
Change the numbers in the calculator
| Down payment | $15,211 |
|---|---|
| Loan amount | $426,728 |
| Principal and interest | $2,871 |
| Property taxes (0.54% a year) | $196 |
| Homeowners insurance (our estimate, 0.5% a year) | $181 |
| FHA mortgage insurance | $192 |
| Total per month | $3,440 |
Change the numbers in the calculator
Questions about home buying in Harper
What is the median home value in Harper?
About $434,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Harper?
Homeowners pay a median $2,355 a year, which is about 0.54% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Harper?
For the median home with 20% down at 7.11%, the payment is about $2,716 a month. Keeping that under 28% of gross income takes about $116,379 a year.
More about Harper
- Mortgage Refinance in Harper
- Debt Relief in Harper
- Home Equity Loans in Harper
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data