While few settlements can be found in the Highlands due to the Hold's small size, the few that are present are by no means insignificant. Listed below are these settlements.
- Hjarvat: Situated on the banks of Lake Headwater, Hjarvat is the capital of the Highlands and the largest city in the Hold. Unlike other settlements in the region, Hjarvat's economy is focused on agriculture and freshwater fishing as opposed to mining. The city sits in one of the few areas in Kalvete with soil that allows for farming, but the region is still limited to certain crops that originate from the Highlands. Hjarvat also holds a great historical and cultural significance to Kalvete, being the birthplace of the Valkyries. These warriors of old not only played an important role in the Marsigur Wars that founded the Kingdom, but the Valkyrie Festival held in their honor each year is an important aspect of life in the Highlands. Furthermore, Hjarvat is a notable hotspot for Kalvetian cuisine, with restaurants that were established and run by some of the Kingdom's greatest chefs.
- Risinngard: Risinngard is found in the south of the Highlands, nestled against the base of the Spine of the North. Its location in the mountains has made it quite the productive mining town, providing ample resources to the Highlands and the rest of Kalvete. While things are mostly quiet in and around the town, the nearby mountains do hold ancient remnants of Kalvete's past. Chief among these is the Titan's Throne: A massive throne carved from the very mountains for the Giant race. While the trek to the Throne is dangerous, many choose to brave the journey to uncover its secrets.
- Háumdal: Found in the northern regions of the Highlands, Háumdal is a small mining town near the source of the Hofá River. Alongside its lucrative mining industry, the town also sits at one end of the Northern Rift. As the Rift is the only navigable route to the Hold of Nordisk, Háumdal is the closest settlement to the region and plays a major role in exporting necessary resources to such an isolated region. As such, the town has greatly benefitted from the large number of travelers who pass through the area.