The story of this market
The typical home in ZIP 76513 sells for about $340,217, or $175 per square foot.
Prices are down 1.6% from a year ago, which gives buyers more room to negotiate. Homes take about 69 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,700 a month.
ZIP 76513 — Belton
The 76513 housing market is currently experiencing a cooling phase, characterized by a slight year-over-year decline in home values and an increase in days on market. While inventory remains available, the market is shifting toward a more balanced state, providing buyers with more leverage than in previous years. Sustained demand for rentals and steady regional economic growth continue to provide a floor for the local market.
This ZIP is well-suited for families and military-affiliated households seeking suburban living with access to outdoor recreation and a reasonable commute to regional employment hubs.
Median prices moved down 1.6% year over year.
Homes spend a median of 69 days on market with 4.9 months of supply — a balanced-paced market.
61% of listings have cut prices · homes sell at 98.8% of asking — demand is holding steady.
2 foreclosure-ledger notices — 0.6 per 10,000 residents · unemployment 4.1% · poverty 8.5% — 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 7.0%/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 7.3%/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 76513, Bell County TX
The area is primarily served by the Belton Independent School District, which is generally regarded as a stable district with consistent academic performance.
The region is subject to standard Texas climate risks, including potential for severe thunderstorms and occasional flash flooding in low-lying areas near Belton Lake.
Economic momentum is driven by proximity to Fort Cavazos and the expansion of the Belton-Temple-Killeen corridor, with ongoing residential development in suburban subdivisions.
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 commute via I-14 and I-35, with most employment centers located in nearby Temple or Killeen, typically requiring a 20-30 minute drive.
The area features significant access to Belton Lake for water sports, numerous community parks, and proximity to historic downtown Belton's shopping and dining.
The rental market is experiencing moderate pressure with a 10.03% year-over-year rent increase, driven by demand from military personnel and regional workforce growth.
The economy is anchored by Fort Cavazos, the healthcare sector in Temple, and regional education institutions, providing a stable employment base.
The area is heavily reliant on personal vehicles, with I-35 and I-14 serving as the primary transit corridors for the region.
Development is focused on suburban residential expansion on the outskirts of Belton, with ongoing infrastructure improvements to support population growth.
The Bell County Appraisal District conducts annual property valuations based on market data and physical inspections.
Parcels are subject to Belton ISD taxes, and some areas may fall within municipal utility districts or water control districts.
Property insurance premiums are rising due to regional weather patterns, including hail and wind risk common in Central Texas.
Data retrieved from data.census.gov ZCTA-level tables.
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.
Major regional reservoir offering boating, fishing, and camping.
Historic district with local boutiques and restaurants.
Community park with walking trails and sports facilities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.