ZIP Code · TX

ZIP 76548

Pop. 33,729·Bell County·441st most expensive ZIP in Texas
Median rent (all units)
$1,467/mo
Year-over-Year
+1.7%
Month-over-Month
+0.6%
vs US Median
-$465
Reported rents
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 76548 · $1,467
More affordable than 75% of US ZIP codes · National median $1,932/mo
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Medians by bedroom

Rent by unit size

Studio
$960
1 BR
$960
2 BR
$1,200
3 BR
$1,670
4 BR+
$2,010
Research median
$1,200/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

January. Asking rents in ZIP 76548 usually run 0.7% below trend in January and 0.5% above it in August, about $18 a month apart at today's median. Based on 11 years of data.

Compared with the peak

Rent in ZIP 76548 is at its highest level since Zillow's records here began in January 2015.

Past year vs. the rest of Texas

Rent in ZIP 76548 changed +1.7% over the year to September 2026. Across the 629 Texas ZIP codes Zillow tracks, the typical change was +1.2%.

Rent vs. income since 2019

From 2019 to 2024, rent in ZIP 76548 rose 41.1% while median household income rose 8.2% ($74,436 to $80,520). Rent outpaced income.

Since before the pandemic

Rent in ZIP 76548 is 41.3% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 4 months in a row, and rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($80,520) is $2,013 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($2,010).

Cheaper nearby

ZIP 76541, 7 miles away, rents for 40% less ($878/mo), about $7,100 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 76548. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost
$17,604/yr
At $1,467/mo median
Location
StateTX
CountyBell County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (1.7% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+1.7% YoY, +0.6% MoM), not inventory.
Demographics

Who lives here

ZIP 76548 (Harker Heights, TX) is majority owner-occupied, has a large share of families with children, 30.2% of residents hold a bachelor's degree or higher.

Population
33,729
Median income
$80,520
Median age
32.8
Renters
38.6%
Age distribution
29.8%
22.5%
27.9%
Under 1829.8%
18–3422.5%
35–5427.9%
55–6410.1%
65+9.8%
Gender
49.5%
50.5%
Male49.5%
Female50.5%
Race & ethnicity
43.1%
28.6%
19.4%
White43.1%
Black28.6%
Hispanic19.4%
Asian3.4%
Other5.4%
Education (25+)
22.6%
40.3%
30.2%
No HS diploma6.9%
HS diploma22.6%
Some college40.3%
Bachelor's+30.2%
Housing tenure
61.4%
38.6%
Owner61.4%
Renter38.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 76548 in Harker Heights, TX has changed in 5 years

Rent
$1,161 → $1,467
up 26.4%
Income
$73,142 → $80,520
up 10.1%
Population
31,759 → 33,729
up 6.2%
Renter share
44.5% → 38.6%
-5.9 pts
Bachelor's+
32.5% → 30.2%
-2.3 pts
Median age
33.4 → 32.8
-0.6 yrs

Rent in ZIP 76548 in Harker Heights, TX has climbed 26.4% since 2021, going from about $1,161 per month to roughly $1,467 today. Median household income grew from $73,142 to $80,520 between 2021 and 2024, a 10.1% shift. Rent outpaced income growth by roughly 16.3 percentage points, which means renters are spending a larger slice of each paycheck on housing than they did in 2021. Headcount in the area went from 31,759 to 33,729 between 2021 and 2024, a 6.2% change. About 38.6% of households rent today, against 44.5% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher slipped from 32.5% to 30.2%. Taken together, the five-year picture in ZIP 76548 in Harker Heights, TX reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 76548

Last updated: October 17, 2026

ZIP code 76548 covers Harker Heights, TX. The median rent here is $1,467/mo as of October 2026. A 1-bedroom rents for a median of $960/mo. A 2-bedroom rents for a median of $1,200/mo.

At 22% of local median household income ($80,520/yr), ZIP 76548 ranks as affordable compared to the national benchmark of 30%. Rents have increased 1.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 76548?

To keep rent at or below 30% of gross income, you would need to earn at least $59,000/year (about $28/hour full-time) to afford the median rent of $1,467/mo in ZIP 76548. The local median household income is $80,520/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 76548?

Rent in ZIP 76548 has risen 1.7% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2015.

When is the cheapest time to rent in ZIP 76548?

Asking rents in ZIP 76548 are usually lowest in January, about 0.7% below their yearly trend, and highest in August, about 0.5% above it. At today's median that is a gap of roughly $18 a month. This pattern comes from 11 years of Zillow rent data.

Has rent outpaced income in ZIP 76548?

Yes. From 2019 to 2024, rent in ZIP 76548 rose 41.1% while median household income rose 8.2%, from $74,436 to $80,520. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 76548 compare to other ZIPs in Texas?

ZIP 76548 is in the middle among Texas ZIP codes for rent, ranking #441 of 693 at $1,467/mo. Over the year to September 2026, rent in ZIP 76548 changed +1.7%, against a typical +1.2% across the 629 Texas ZIP codes Zillow tracks.

How does ZIP 76548 compare to the rest of Harker Heights?

At $1,467/mo, ZIP 76548 is $8 above the Harker Heights citywide median of $1,459/mo.
Income Affordability
22%
VERY AFFORDABLE

At $1,467/mo, rent takes ~22% of ZIP 76548's median household income ($80,520/yr). The standard benchmark is 30%.

ZIP 76548 22%Benchmark 30%
State income taxNone
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Public schools near ZIP 76548 (Harker Heights, TX)

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