Hjertlande's sprawling tundra allows for expansive urban landscapes and vast livestock ranges, and it is one of the most developed of Kalvete's Holds. Listed below are these various settlements.
- Iskholde: Iskholde is the capital of both Hjertlande and the entirety of the Kingdom, situated on the banks of the Frásnúr River. Its centralized location in Kalvete allows it to serve as a major hub for the nation, with an extensive network of roads branching from the city to the furthest corners of the Kingdom. This has led to the city having a diverse economy, with both local and outside merchants selling goods among its streets. The city is, of course, also crucial to the Kingdom's politics, with the stronghold of Mikilvíg serving as the home of the Kingdom's monarch.
- Mynninnár: Situated at the mouth of the Frásnúr, Mynninnár is one of the Kingdom's largest port cities. Being on the banks of Flóanótt Bay, it also produces fishing resources for Kalvete. Its biggest role by far, however, is in the nation's trade routes. Mynninnár's ports provide a direct route across the North Sea to Holds such as Bruttstrond and Brundal, providing crucial connections to some of the Kingdom's most isolated regions.
- Syndrijöld: Syndrijöld is located in the south of Hjertlande, right on the Kingdom's border with the Holy Empire of Acolytius. Due to its proximity to this border, the town has recently had a noticeable military presence to defend the Kingdom from further encroachments from the Empire. As tensions have recently eased between the two nations, things have mostly returned back to normal for this small, quiet town. Beyond its extensive livestock ranches, the city does have a very small lumber industry due to nearby forests.
- Bænheim: Bænheim sits at the center of Hjertlande's vast grassy tundra, and its people take advantage of this open space for their livestock. The town is home to the largest rangelands of anywhere in the Kingdom, with some individuals having ranches that are larger than Bænheim itself. While many of these ranches' products are exported throughout the Kingdom, the ranchers who produce these goods find additional business selling them in Bænheim's streets. Many travelers will visit the town along their journeys for this very reason, gathering genuine Hellblade Rhinoceros hide or meat from the source.
- Vesturvell: Vesturvell sits at the western edge of Hjertlande, situated on the banks of the Brúna River. Being right on the border with Bruttstrond, the village sits within the edge of the neighboring Hold's dense taiga. As Vesturvell is also somewhat close to the Skyfract Mountains to the south, there is a small mining industry that only continues to grow as time passes. Just outside of the village, old ruins from Kalvete's past can be found hidden within the taiga's edge.