Bell County, Texas home prices
Typical home $247,929 · -1.9% in a year · property tax 1.44%
The typical home in Bell County is worth $247,929, 16% less than the Texas typical home ($296,424). Values changed -1.9% in the past year and +11.2% over five years. Homeowners here pay a median 1.44% of their home's value in property tax each year ($3,576 on the typical home), versus 1.32% statewide.
Mortgage on the typical Bell County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,586 | $198,343 | $1,334 | $0 | $422 | $1,756 | $75,300 |
| 10% down | $24,793 | $223,136 | $1,501 | $93 | $422 | $2,016 | $86,400 |
| 5% down | $12,396 | $235,533 | $1,584 | $98 | $422 | $2,105 | $90,200 |
| 3.5% down (FHA) | $8,678 | $243,439 | $1,638 | $110 | $422 | $2,169 | $93,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.44% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Texas · part of the Killeen metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Armstrong County | $245,373 | +9.5% | 1.23% |
| Bexar County | $250,969 | -2.3% | 1.73% |
| Martin County | $251,649 | +1.8% | 0.91% |
| Ector County | $252,414 | +3.8% | 1.27% |
| Irion County | $252,990 | -6.3% | 0.7% |
| Atascosa County | $242,697 | +0.6% | 1.29% |
| Gonzales County | $253,175 | -6.2% | 1.31% |
| Wharton County | $242,430 | +1.9% | 1.52% |
| Bosque County | $240,511 | +0.7% | 0.98% |
| Gaines County | $240,166 | +2.4% | 1.57% |
Frequently asked questions
What is the average home price in Bell County, TX?
The typical home value in Bell County is $247,929 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bell County?
About $75,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bell County?
The median effective rate is 1.44% of home value a year (Census ACS 2024 5-year estimates).