The story of this market
The typical home in ZIP 76504 sells for about $174,000, or $129 per square foot.
Prices are down 8.2% from a year ago, which gives buyers more room to negotiate. Homes take about 76 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,250 a month.
ZIP 76504 — Temple
The 76504 housing market is currently experiencing a period of price stabilization following previous volatility. Sales activity remains consistent with local demand, and inventory levels are currently balanced, providing a stable environment for both buyers and sellers.
This area is well-suited for budget-conscious family buyers and first-time homeowners looking for affordable housing options within a established suburban community.
Median prices moved down 8.2% year over year.
Homes spend a median of 76 days on market with 5.1 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 6.2% · poverty 16.1% — a stable, low-distress 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 4.7%/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 4.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 76504, Bell County TX
Schools in the area are part of the Temple Independent School District, which serves the local community with a range of public educational facilities.
The area is subject to standard Texas climate risks, including potential for severe thunderstorms and heat-related events.
The local economy is anchored by healthcare and education sectors, with ongoing development in the Temple-Killeen corridor.
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).
Residents primarily rely on personal vehicles for commuting, with access to major regional highways connecting to the broader Killeen-Temple employment hub.
The area features several local parks and green spaces, providing residents with accessible outdoor recreational opportunities and community gathering spots.
The rental market is characterized by steady demand driven by the local workforce and proximity to regional employment centers.
The economy is supported by a mix of healthcare, education, and manufacturing industries, with significant influence from the nearby military and medical installations.
Development is focused on residential infill and commercial expansion along major transit corridors.
Parcels are subject to Temple ISD and Bell County taxing jurisdictions.
Property insurance premiums are influenced by regional weather patterns and hazard exposure common to Central Texas.
Data retrieved from Census Reporter and ACS 2024 profiles.
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 various community parks and recreational trails throughout the area.
Features a historic district with local dining and retail options.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.