HomeTexasBell CountyHarker Heights
Harker Heights, Texas: commercial real estate data.
Harker Heights is a Census city of 34,128 people across 15.62 square miles of land, in Bell County. Median household income is $81,190, 61.7 percent of occupied homes are owned, and the SBA record carries 20 7(a) approvals to borrowers here worth $8.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Harker Heights
What Harker Heights is
- Census place typecity
- Land area15.62 sq mi
- Water area0.05 sq mi
- Population per square mile of land2,184
- County holding the largest share of its areaBell County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harker Heights
How many people live in Harker Heights
- Population34,128
- Median age33.0
- Population under 1810,100
- Share under 1829.6 percent
- Population 65 and over3,464
- Share 65 and over10.2 percent
- Households12,469
- Family households8,964
- Share of households that are families71.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harker Heights
Income and work in Harker Heights
- Median household income$81,190
- Per capita income$38,042
- Civilian labor force15,808
- Employed15,198
- Unemployed610 plus or minus 222
- Unemployment rate3.9 percent plus or minus 1.4
- Adults 25 and over21,334
- Adults 25 and over with a high school diploma or higher93.0 percent
- Adults 25 and over with a bachelor degree or higher30.2 percent
- Adults 25 and over with a graduate degree10.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harker Heights
Housing in Harker Heights
- Housing units13,168
- Occupied units12,469
- Vacant units699 plus or minus 262
- Vacancy rate5.3 percent plus or minus 2.0
- Owner occupied7,699
- Renter occupied4,770
- Ownership rate61.7 percent
- Median owner-occupied home value$287,800
- Median gross rent, monthly$1,146
- Annual rent as a share of median income16.9 percent
- Single family units9,203
- Share single family69.9 percent
- Units in buildings of two or more2,876 plus or minus 666
- Share in buildings of two or more21.8 percent plus or minus 5.0
- Mobile homes1,089 plus or minus 263
- Median year structure built2001
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harker Heights
How Harker Heights gets to work
- Workers 16 and over who commute15,605
- Commuting under 15 minutes4,313
- Share commuting under 15 minutes27.6 percent
- Commuting 30 minutes or more4,039
- Share commuting 30 minutes or more25.9 percent
- Drove alone75.9 percent
- Carpooled12.1 percent plus or minus 3.4
- Public transport0.2 percent plus or minus 0.3
- Walked0.4 percent plus or minus 0.4
- Worked from home8.1 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harker Heights
SBA loans in Harker Heights (7(a))
- Approvals20
- Gross approval$8,228,600
- Average approval$411,430
- Median approval$215,000
- Ninetieth percentile approval$736,400
- Largest approval$2,855,000
- Jobs supported192
- Jobs per approval9.6
- Loans with a final outcome3
- Paid in full2
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises30.0 percent
- Distinct lenders13
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in Harker Heights, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harker Heights
SBA loans in Harker Heights (504)
- Approvals5
- Gross approval$3,758,000
- Average approval$751,600
- Median approval$641,000
- Largest approval$1,241,000
- Jobs supported74
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Harker Heights, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Harker Heights
Flood risk in Harker Heights
- NFIP communityCity of Harker Heights
- NFIP community number480029
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/26/08
The City of Harker Heights participates in the National Flood Insurance Program as community 480029 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Bell County, not Harker Heights
Bell County context, not Harker Heights figures
- Establishments in Bell County5,923
- Covered employment, Bell County129,627
- Average annual pay, Bell County$62,107
- Housing units permitted, Bell County3,243
Every figure in this section is published for Bell County as a whole and is not a measurement of Harker Heights.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Harker Heights questions, answered from the record.
How many people live in Harker Heights, Texas?
34,128, in 12,469 households. Harker Heights city covers 15.62 square miles of land, which is 2,184 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Harker Heights in?
Bell County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Harker Heights?
$81,190. The median owner-occupied home is valued at $287,800. Median gross rent is $1,146 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Harker Heights businesses?
20 7(a) approvals totaling $8.2 m since FY2020, across 13 lenders, median approval $215,000, plus 5 504 approvals worth $3.8 m since FY2010. These count approvals to borrowers whose address is in Harker Heights, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Harker Heights borrowers get paid back?
No rate is published for Harker Heights. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Harker Heights in the National Flood Insurance Program?
Yes. Harker Heights appears in the FEMA Community Status Book as Harker Heights, city of, community 480029, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Harker Heights figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Bell County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Harker Heights.
Is zoning published for Harker Heights?
No. Nothing on this page presents parcel level zoning.