Bell County, TX Average Home Price (2026)
The average home price in Bell County, Texas is about $254,000 (the 2026 median across 17 ZIP codes, at ~$151/sq ft) — 3% more affordable than the Texas median and 12% more affordable than the typical U.S. home.
How Bell County compares
Bell County is about average for housing nationally: its typical home costs $254,000 against $261,000 for Texas and $289,000 for the U.S. Within the county, ZIP-level values run from about $119,000 to $509,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Bell County | $254,000 | $151 |
| Texas | $261,000 | $171 |
| United States | $289,000 | $193 |
Cities in Bell County
Cities with their own home-value page, largest first:
Bell County home prices by ZIP code
The 15 most valuable ZIP codes in Bell County (of 17 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 76571 Salado | $509,000 | $245 | +100% |
| 76534 Holland | $330,000 | $220 | +30% |
| 76557 Moody | $320,000 | $218 | +26% |
| 76559 Nolanville | $304,000 | $184 | +20% |
| 76513 Belton | $303,000 | $178 | +19% |
| 76548 Harker Heights | $296,000 | $139 | +17% |
| 76569 Rogers | $280,000 | $200 | +10% |
| 76502 Temple | $273,000 | $165 | +7% |
| 76542 Killeen | $254,000 | $147 | +0% |
| 76579 Troy | $253,000 | $172 | +0% |
| 76549 Killeen | $225,000 | $136 | -11% |
| 76511 Bartlett | $215,000 | $146 | -15% |
| 76554 Little River Academy | $207,000 | $150 | -19% |
| 76501 Temple | $187,000 | $151 | -26% |
| 76504 Temple | $187,000 | $146 | -26% |
Home value appreciation in Bell County
Home prices in Bell County have risen about 92% over the last 10 years (≈6.7% a year) and +114.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -2.1% — a recent dip. A home worth $254,000 today was worth roughly $132,361 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Texas is +88.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Bell County
Run the numbers for Bell County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Bell County
To buy the typical $254,000 home in Bell County with 20% down, you need a household income of roughly $69,000 a year (about $1,610 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $82,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,700 | $2,000/mo | $86,000/yr |
| 10% (+PMI) | $25,400 | $1,920/mo | $82,000/yr |
| 20% | $50,800 | $1,610/mo | $69,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Bell County
At about $151 per square foot, here is roughly how much home different budgets get you in Bell County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 990 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1320 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1660 sq ft | around the typical home here |
| $300k | 1990 sq ft | around the typical home here |
| $400k | 2650 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Texas.
Estimate a specific home in Bell County
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Bell County home prices: frequently asked
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Browse all Texas cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.