Affordability evidence
Harlingen, TX home values, income, and owner costs
A borrower-focused reading of the latest ACS value, income, and owner-cost evidence for Harlingen, TX.
Source: U.S. Census Bureau
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
The local figures answer the first question: In Harlingen, TX, the 2024 ACS reports a median owner-occupied home value of $140,600, median household income of $53,645, and median selected monthly owner costs of $1,378 for owners with a mortgage. For borrower planning, together, those three reference points can help a borrower identify which search-price, income, and recurring-cost assumptions need current verification first. They remain separate medians, not the finances of one representative household, and the $1,378 measure combines recurring ownership expenses instead of real estate taxes alone. A useful affordability review starts with $140,600, $53,645, and $1,378, then replaces them with the borrower's documented income, cash, debts, property taxes, insurance, association charges, loan terms, and intended occupancy.
Harlingen, TX's $140,600 median home-value estimate is below the statewide $283,800 estimate, with a reported city-to-state gap of 50.5%.