Harker Heights, TX · standard
ZIP Code 76548
Bell County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 26,344
- 656/sq mi High-density area
- $80,520
- Median income Near-median income area
- $287,800
- Median home value Near-median home value
- 30.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Harker Heights pairs an above-median household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 37%
- household income, US ZIPs
- Top 35%
- home value, US ZIPs
- 656
- people per sq mi
- 61%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 76548 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 76548 (Harker Heights, TX) rose +4.9% from 2023 to 2024. The all-transactions index moved from 213.8 in 2023 to 224.3 in 2024 (2000 = 100).
ZIP code 76548 is a densely settled ZIP (a standard USPS delivery area) in Harker Heights, Bell County, Texas, with 26,344 residents across 40.2 square miles, a density of 656 people per square mile, in the Chicago time zone.
ZIP 76548 lands in the middle-income range, with a median household income of $80,520 (7% above the average Texas ZIP), while per-capita income is $37,844. The poverty rate is 10.3%, with unemployment at 3.5%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $287,800 (16% above the average Texas ZIP), while 61.4% of occupied homes are owner-occupied and median rent is $1,145.
A solid share of residents have a four-year degree: 30.2% of adults hold a bachelor's degree or higher, the median age is 32.8, and the average commute is 24 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Bell County, so 76548 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 76548
Top 5 sectors by establishment count in Harker Heights, TX
Which industries have the most business establishments in ZIP 76548.
- Retail trade
Retail trade
93 establishments
- Health care and social assistance
Health care and social assistance
89 establishments
- Accommodation and food services
Accommodation and food services
89 establishments
- Other services (except public administration)
Other services (except public administration)
65 establishments
- Construction
Construction
41 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 76548, Harker Heights, TX · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
26,344
Population
40.2
Area (sq mi)
656
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 76548?
32.8
Median Age
49.5%
Male
50.5%
Female
9.6%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$80,520
Median Household Income
+7% vs state ZIP avg
$37,844
Per Capita Income
10.3%
Poverty Rate
3.5%
Unemployment Rate
24.1 min
Mean Commute Time
How ZIP 76548 ranks among Texas ZIPs
Harker Heights, TX household income vs. every Texas ZIP code
Median household income among 1,737 reporting Texas ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$80,520 Top 34% higher than 66% of 1,737 Texas ZIPs
Each bar is a $20K-wide band; taller bars hold more Texas ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
13,036housing units
13,036
Total Housing Units
12,337
Occupied Units
699
Vacant Units
2.72
Avg Household Size
Occupancy Type
$287,800
Median Home Value
+16% vs state ZIP avg
$1,145
Median Rent
2001
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+4.9%
YoY Change (2024)
224
HPI Index (2000 = 100)
+124%
Total Change Since 2000
Home values in ZIP 76548 have increased 4.9% over the past year (2024). Since 2000, this ZIP has seen +124% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.1% | 153 |
| 2021 | +12.7% | 173 |
| 2022 | +21.8% | 210 |
| 2023 | +1.6% | 214 |
| 2024 | +4.9% | 224 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 539 business establishments in ZIP 76548, employing approximately 7,866 people with a combined annual payroll of $308,317,000.
539
Businesses
7,866
Employees
$308.3M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 93 | 17.3% |
| Health care and social assistance | 89 | 16.5% |
| Accommodation and food services | 89 | 16.5% |
| Other services (except public administration) | 65 | 12.1% |
| Construction | 41 | 7.6% |
| Real estate and rental and leasing | 38 | 7.0% |
| Professional, scientific, and technical services | 35 | 6.5% |
| Finance and insurance | 24 | 4.5% |
| Administrative and support and waste management and remediation services | 15 | 2.8% |
| Arts, entertainment, and recreation | 14 | 2.6% |
| Information | 12 | 2.2% |
| Educational services | 9 | 1.7% |
| Manufacturing | 5 | 0.9% |
| Wholesale trade | 4 | 0.7% |
| Transportation and warehousing | 3 | 0.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 76548 vs 76559 →
ZIP 76548 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 76542
Killeen (76542)
40,025 residents
- 76513
Belton (76513)
34,172 residents
- 76543
Killeen (76543)
30,430 residents
- 76544
Fort Hood (76544)
29,943 residents
- 76548
Harker Heights (76548)
26,344 residents
- 76541
Killeen (76541)
19,206 residents
- 76571 6,790
Salado (76571)
6,790 residents
- 76559 5,051
Nolanville (76559)
5,051 residents
What this shows Among its immediate neighbors, ZIP 76548 ranks #5 by population - useful context the national average alone can't give.
ZIP 76548 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 76571
Salado (76571)
$111,863 median income
- 76513
Belton (76513)
$80,661 median income
- 76548
Harker Heights (76548)
$80,520 median income
- 76559
Nolanville (76559)
$76,286 median income
- 76542
Killeen (76542)
$74,055 median income
- 76544
Fort Hood (76544)
$62,846 median income
- 76543
Killeen (76543)
$48,564 median income
- 76541 $37,349
Killeen (76541)
$37,349 median income
What this shows By household income, ZIP 76548 ranks #3 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 76548, both outside TX so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (26,344 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Bell County
Related Areas
Frequently Asked Questions
What county is ZIP code 76548 in?
ZIP code 76548 (Harker Heights) is located in Bell County, Texas. Bell County contains multiple ZIP codes, see the full list at /counties/bell-tx.
What is the population of ZIP code 76548?
ZIP code 76548 in Harker Heights, TX has a population of 26,344 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 76548?
The median household income in ZIP 76548 is $80,520, which is 6% above the national average of $76,288.
What is the average home value in ZIP 76548?
The median home value in ZIP 76548 is $287,800, which is 3% above the national average of $278,155.
What is the demographic makeup of ZIP 76548?
The largest racial group in ZIP 76548 is White at 43.1%. Hispanic or Latino residents make up 19.4% of the population.
How many businesses are in ZIP code 76548?
ZIP code 76548 has 539 business establishments employing approximately 7,866 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 76548?
The top industries by establishment count in ZIP 76548 are: Retail trade (93), Health care and social assistance (89), Accommodation and food services (89). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 76548?
According to the FHFA House Price Index, home values in ZIP 76548 increased by 4.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 124%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 76548?
In ZIP code 76548, 52.8% of residents aged 25+ have a high school diploma or higher, and 30.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 76548?
The mean commute time for workers in ZIP code 76548 is 24.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 76548?
In ZIP code 76548, approximately 61.4% of occupied housing units are owner-occupied and 38.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 76548?
The poverty rate in ZIP code 76548 is 10.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 76548's numbers, next.
- See how ZIP 76548 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Harker Heights, TX ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.