Median home value in zip code 78631 (Harper, TX) is $404,458, down 4.2% year over year. Part of the Fredericksburg, TX metropolitan area.

Home Value$404,458

YoY Change

-4.2%

Prices falling — better for buyers.

Affordability

Enter your income for 78631 (Harper).

Income (annual)

Down Payment

$80,892 on $404,458

Example: $75,000 household income. Change it above to see your own.

Out of reach46.4% of income

Need $124,371/yr to afford.

PITI$2,902

P/I46.4%

Afford$244K

Gap-$161K

P&I $2,045Tax $607Ins $250

6.50% 30yr, 20% down, county tax + TX ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

78631 is part of the Fredericksburg, TX metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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