The story of this market
The typical home in ZIP 76543 sells for about $229,000, or $160 per square foot.
Prices are up +6.5% from a year ago, so sellers still have some momentum. Homes take about 70 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,450 a month.
ZIP 76543 — Killeen
The Killeen housing market in ZIP 76543 shows signs of steady, durable growth with a median price of $229,000. While inventory remains balanced, the market is supported by consistent demand from the military sector and local families. Prices have appreciated moderately year-over-year, reflecting a healthy, non-speculative recovery.
This ZIP is ideal for military families, first-time homebuyers, and investors seeking stable rental demand. Its affordability and proximity to major employment hubs make it a practical choice for those prioritizing value and convenience.
Median prices moved up 6.5% year over year.
Homes spend a median of 70 days on market with 5.1 months of supply — a balanced-paced market.
20% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
2 foreclosure-ledger notices — 0.6 per 10,000 residents · unemployment 5.8% · poverty 14.2% — 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 6.0%/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 5.2%/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 76543, Bell County TX
Crime rates in the Killeen area are generally higher than the national average, with property crime being the most frequently reported offense. Local law enforcement continues to focus on community policing initiatives to address these trends.
The area is primarily served by the Killeen Independent School District, which offers a wide range of public education options. School performance varies across the district, with ongoing efforts to improve student outcomes and facility resources.
The region faces moderate risks from severe thunderstorms and occasional flash flooding. Property insurance premiums are influenced by these weather patterns and the area's proximity to central Texas storm corridors.
Economic momentum is anchored by the proximity to Fort Cavazos, providing a stable base of military-related employment and services. Ongoing development includes expansion in retail and residential sectors to support the growing population.
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 major access provided by US Highway 190 and Interstate 14. The area serves as a bedroom community for those working at Fort Cavazos and in the broader Killeen-Temple metro.
The area features access to local parks, community centers, 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 robust due to the high volume of transient military personnel, maintaining consistent demand and stable vacancy rates. Investors remain active in the single-family rental segment.
The economy is heavily influenced by the military presence at Fort Cavazos, which serves as the primary economic engine. Healthcare and retail sectors provide additional employment diversity.
Transportation is dominated by private vehicle use, with well-maintained highway corridors connecting the city to Temple and Belton. Public transit options are limited.
Development is focused on expanding residential subdivisions and supporting commercial infrastructure along the main arterial roads.
The Bell County Appraisal District conducts annual property valuations to ensure tax assessments reflect current market conditions.
Parcels are subject to taxes from the Killeen Independent School District, Bell County, and various municipal utility districts.
Property insurance rates are competitive but reflect the regional risk profile for wind and hail damage common in Central Texas.
Texas continues to see strong net domestic migration, driven by job growth and relative housing affordability compared to coastal states.
Texas operates under a non-judicial foreclosure process, allowing for relatively efficient resolution of defaulted mortgages.
Sellers are required to provide a standard Seller's Disclosure Notice detailing the condition of the property to the best of their knowledge.
Data retrieved from data.census.gov ZCTA 76543 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.
Primary regional shopping destination for the area.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.