Harper, TX—78631
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Harper, TX
As of Oct '25, the median home price in Harper, TX is $416,000, with a year-over-year change of 1.2%. This indicates that home prices in Harper, TX are increasing. According to Zillow, the 1-year price projection is -0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $416,000 | 1.2% |
| Single Family | $415,000 | 0.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $386,000 | -2.8% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Harper, TX
Harper, TX lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,500 | $2,500 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | $2,500 | $2,500 |
% of Rental Stock
Property Listings — Harper, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Harper, TX is 93. This is a decrease of -15.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,440,000 | 81.0% |
Listing Count | 33 | 29.0% |
| Listings as % of Homes | 1.0% | 29.0% |
Days on Market | 93 | -15.0% |
Demographics — Harper, TX
As of the latest ACS Survey released in 2023, Harper, TX has a population of 3,360, which has increased by 17.5% over the past 5 years. Harper, TX is a moderately popular place for families, as children make up 22.2% of the population. The area has a poorly educated workforce, with 19.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,360 | 17.5% |
% Under 18 | 22.2% | -12.3% |
% Seniors | 23.0% | -18.4% |
% WFH | 8.9% | 217.9% |
% w/ College Degree | 19.9% | -24.0% |
As of the latest ACS Survey released in 2023, Harper, TX is a predominantly white area, with 72.6% of the population identifying as white. The white population has shrunk by 12.6% in the last 5 years. The second most common race or ethnicity in Harper, TX is hispanic, making up 21.5% of the population. Foreign-born residents account for 4.6% of the population in Harper, TX, and this percentage has decreased by 49.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 72.6% | -12.6% |
% Black | 0.0% | N/A |
% Hispanic | 21.5% | 32.7% |
% Asian | 0.0% | N/A |
% Foreign Born | 4.6% | -49.5% |
Mortgage and Risk — Harper, TX
According to HUD data as of 2023, there were 87 mortgage originations in Harper, TX, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 36.0% above 90% LTV (very high). This implies large mortgage risk in Harper, TX. Investor activity is low, as 1.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 87 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 1.0% |
% Second Loans | 5.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Harper, TX
Harper, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,130 |
| 2 Bedroom | N/A | N/A | $1,440 |
| 3 Bedroom | N/A | N/A | $1,920 |
| 4 Bedroom | -$370 | $2,500 | $2,130 |
Affordability — Harper, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.6 |
| Median Home Price | $416,000 |
| Median Household Income | $73,600 |