Harker Heights, TX vs Texarkana, TX: Cost of Living

Which city costs less?

Texarkana, TX has a modeled overall cost index 6.0% lower than Harker Heights, TX.

Harker Heights, TX · modeled 2BR rent: $1,275 / month
Texarkana, TX · modeled 2BR rent: $1,300 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Harker Heights, TX and Texarkana, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Harker Heights, TX

Numbers update automatically as you type

Estimated savings: $509/month in Texarkana, TX

$150,000 in your current city has a modeled equivalent of $143,892 in Texarkana, TX

Regional cost estimates: Harker Heights, TX uses Austin, TX. Texarkana, TX uses Garland, TX. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 6.0%

Less expensive

Monthly Impact

$509

Savings

Annual Impact

$6.1K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Harker Heights, TX

Population:34K

Cost Index:

93.7

100 = national average

Typical Home:$213K

Texarkana, TX

Population:36K

Cost Index:

88.1

100 = national average

Typical Home:$249K

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Harker Heights, TX

The Lone Star State

34K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 34K residents.

💡 Advantage: Texas has no state income tax!

Texarkana, TX

The Lone Star State

36K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 36K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Harker Heights, TX vs Texarkana, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Harker Heights, TX	Texarkana, TX	Difference	Change
Housing	$2,493/mo	$1,972/mo	↓ $520less	20.9%
Other	$1,672/mo	$1,588/mo	↓ $83.34less	5.0%
Healthcare	$593/mo	$636/mo	↑ $43.07more	7.3%
All Utilities	$545/mo	$566/mo	↑ $21.48more	3.9%
Groceries	$966/mo	$985/mo	↑ $19.20more	2.0%
Transportation	$1,233/mo	$1,244/mo	↑ $10.79more	0.9%

Housing

↓ 20.9%

Harker Heights, TX

$2,493

Texarkana, TX

$1,972

Difference

$520

less

Other

↓ 5.0%

Harker Heights, TX

$1,672

Texarkana, TX

$1,588

Difference

$83.34

less

Healthcare

↑ 7.3%

Harker Heights, TX

$593

Texarkana, TX

$636

Difference

$43.07

All Utilities

↑ 3.9%

Harker Heights, TX

$545

Texarkana, TX

$566

Difference

$21.48

Groceries

↑ 2.0%

Harker Heights, TX

$966

Texarkana, TX

$985

Difference

$19.20

Transportation

↑ 0.9%

Harker Heights, TX

$1,233

Texarkana, TX

$1,244

Difference

$10.79

🏠Rent Comparison

Studio

From$1,015

To$1,010

↓ $5.00

1 Bed

From$1,025

To$1,030

↑ $5.00

2 Bed

From$1,275

To$1,300

↑ $25.00

3 Bed

From$1,770

To$1,620

↓ $150

Harker Heights, TXZIP-level data

1BR range: $960–$1,090/mo

Texarkana, TXZIP-level data

1BR range: $1,030–$1,030/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Harker Heights, TX

$6,991

Monthly in Texarkana, TX

$509

Difference

Home Values

Harker Heights

Texarkana

$213K

Median Value

$249K

↓ -1.9%

YoY Change

↑ +2.9%

↑ +33.5%

5-Year Change

↑ +27.4%

$172K - $254K

Price Range

$249K

Homes in Texarkana are 17% more expensive than Harker Heights

Calculate payment - Harker Heights Calculate payment - Texarkana

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Harker Heights, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Texarkana, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Harker Heights, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Texarkana, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Harker Heights

Texarkana

52 Moderate

Air Quality

55 Moderate

42.6%

Good Air Days

35.2%

98 High

Climate Risk

100 Very High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+2.5°F

2050 Outlook

▲+2.7°F

98 days

Heat Days >95°F

84 days

▲+2.5°F

2050 Outlook

▲+2.7°F

98 days

Heat Days >95°F

84 days

Before moving from Harker Heights, TX to Texarkana, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Texarkana, TX for the same bedroom count and included utilities as your home in Harker Heights, TX. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Harker Heights to Texarkana moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Texarkana, TX by cost, housing, population and region.

Frequently Asked Questions: Harker Heights, TX vs Texarkana, TX

How do the cost estimates for Harker Heights, TX and Texarkana, TX compare?

Texarkana, TX has a modeled overall cost index 6.0% lower than Harker Heights, TX. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Harker Heights, TX, the model estimates $143,892 in Texarkana, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Harker Heights, TX and Texarkana, TX?

The modeled two-bedroom rents are $1,275/month in Harker Heights, TX and $1,300/month in Texarkana, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.