The story of this market
The typical home in ZIP 76501 sells for about $250,559, or $165 per square foot.
Prices are down 2.2% from a year ago, which gives buyers more room to negotiate. Homes take about 71 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,450 a month.
This ZIP has no home sales of its own, so its market figures come from Temple, Texas (city-level). Population, rents, hazards, lending and amenities are this ZIP's own readings.
ZIP 76501 — Temple
The Killeen housing market remains stable, supported by the consistent economic anchor of Fort Cavazos. While home values have seen a slight year-over-year decline, the market maintains a balanced supply of inventory for buyers. Rental demand remains robust, driven by the transient nature of the local military population.
This ZIP is well-suited for military families, first-time homebuyers, and renters seeking affordability near major employment hubs. It offers a practical, value-oriented environment for those prioritizing proximity to Fort Cavazos.
Median prices moved down 2.2% year over year.
Homes spend a median of 71 days on market with 4.2 months of supply — a balanced-paced market.
22% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 7.2% · poverty 20.5% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 76501, Bell County TX
Crime rates in Killeen are generally higher than the national average, with property crime being the most frequently reported offense. Local law enforcement maintains active community outreach programs to address these trends.
Schools in the area are primarily served by the Killeen Independent School District, which offers a diverse range of academic and extracurricular programs. Performance ratings vary by campus, with many schools focusing on military-connected student support.
The area is subject to standard Texas climate risks, including potential for severe thunderstorms, high winds, and occasional flash flooding. Property insurance premiums are influenced by these regional weather patterns.
Economic momentum is heavily tied to the presence of Fort Cavazos, which serves as a major employer and anchor for the regional economy. Infrastructure development continues to focus on supporting the growing population and military-related logistics.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Commuting is primarily car-dependent, with major access provided by U.S. Highway 190 and Interstate 14. Most residents commute to employment hubs within Killeen or to nearby Fort Cavazos.
The area features several community parks, local sports complexes, and proximity to Stillhouse Hollow Lake for water-based recreation. Shopping and dining options are concentrated along the major highway corridors.
The rental market is characterized by high demand from military personnel and students, leading to consistent occupancy rates. Rent growth has stabilized recently following a period of rapid increases.
The economy is anchored by the military sector, specifically Fort Cavazos, which drives significant demand for housing and local services. The industry mix also includes healthcare, retail, and education.
Transportation is dominated by private vehicle use, with major corridors like I-14 facilitating regional movement. Public transit options are limited, primarily serving local routes within the city.
Development is focused on expanding residential subdivisions and commercial retail centers along the city's growth corridors. Infrastructure upgrades are prioritized to accommodate the steady influx of new residents.
The Bell County Appraisal District conducts annual property valuations to ensure assessments reflect current market conditions. Property owners have the right to protest valuations through the formal appraisal review board process.
Parcels in this ZIP are subject to Killeen ISD taxes and may fall within specific municipal utility districts or emergency services districts. These special districts provide essential services like water, sewer, and fire protection.
Property insurance in this region is influenced by the Texas wind and hail market, with premiums reflecting the area's exposure to severe weather events. Market health remains stable but sensitive to national reinsurance trends.
Texas continues to experience strong net domestic migration, driven by job growth and a relatively lower cost of living compared to coastal states.
Texas operates under a non-judicial foreclosure process, which allows for a relatively efficient timeline for lenders to recover collateral in the event of default.
Texas law requires sellers to provide a written disclosure notice to buyers, detailing the condition of the property and any known defects.
Data retrieved from data.census.gov using ZCTA 76501 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Provides space for local events and community gatherings.
Major regional reservoir offering boating, fishing, and hiking trails.
Deterministic aggregate of 1 researched property in this ZIP (latest reading each) — each property weighs one; per point, properties lacking the value are excluded. Property-level records (taxes, scores, permits) never roll individually.
No county-record distress flags across 1 researched property on the ARED base layer. Key-figure check: median price diverges 59.8% from the nearest retained anchor (researched-property base layer) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict. Validation: the flagged $220,448 could not be independently corroborated and was removed pending review (no prior-cycle value to revert to); the case is under review in the Command Center.