Zip lookup · TX

78631
Harper, Texas.

Harper, Gillespie County, TX · Fredericksburg, TX metro · population 3,465

What it costs per month · 78631 $2,153/mo

to buy the typical home at today's mortgage rate — +$1,042 (+94%) since Jan 2020.

What the home itself did
1 year
Down $11,954 -3%
$422,171$410,217 since Sep 2025
5 years
Up $11,414 +3%
$398,803$410,217 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 78631 $2,153 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 78631$2,153
  • United States$1,922

Typical home values in zip 78631 fell 2.8% over the past year — slower than the nation's +1.2%.

This zip spans 3 counties: Kimble County, TX 49% · Gillespie County, TX 44% · Kerr County, TX 7%

Zillow also publishes an index for the city itself: Harper, TX — measured over the city limits, which is a different area from this zip.

Typical home value $410,217 as of Sep 2026
-2.8%year on year

Typical home value — 78631

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 $500,000 2018 2020 2022 2024 2026 78631 $410,217 Fredericksburg $504,117 United States $366,157
$200,000 $300,000 $400,000 $500,000 2018 2022 2026
  • 78631$410,217
  • Fredericksburg$504,117
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
18.4 78025 Ingram 4,999 — $368,738

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.