Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$247,929−1.9% YoY · prices are falling
Market right nowBalanced marketFewer homes for sale than last year, 17% have cut their price
Income needed to buy, per year$53,746About 0.8× the local median income ($69,108): affordable for a typical household
Days on market75 daysFaster than a year ago: sellers have the edge
Next 12 months−0.6%Zillow expects prices to dip slightly
The typical home in Bell County, TX is worth $247,929, down 1.9% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $240,226, so the area is 3.2% overvalued. It is a balanced market: homes take about 75 days to sell, listings are down 4% from a year ago, 17% of listings have had a price cut. Zillow expects prices to fall about 0.6% over the next year. A household needs about $53,746 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $69,108. Typical rent is $1,321 a month, or $1,589 for a house. In the latest IRS figures, 1,340 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$247,929
Change in 1 year
−1.9%
Overvalued %
+3.2%
Show 7 more
Fair home value
$240,226
Change in 5 years
+11.2%
Zillow forecast, next 12 months
−0.6%
Home value to income
3.6×
Monthly mortgage payment (20% down)
$1,344
Income needed to afford it
$53,746
Property tax rate
1.44%
Rent and investing
Typical rent
$1,321
Typical rent for houses
$1,589
Price-to-rent ratio
15.6×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,138
Gross rental yield
6.39%
Cap rate (estimate)
4.15%
Market activity
Listings vs a year ago
−4.4%
Days on market
75
Listings with a price cut
17.3%
Show 3 more
Homes for sale
1,951
Pending sales per 100 listings
28
Asking price per sq ft
$154
People and jobs
Median household income
$69,108
Population change (1 year)
+1.2%
Unemployment rate
6.8%
Show 4 more
Population
402,248
Income adjusted for cost of living
$75,859
Net moves in (IRS)
+1,340
Cost of living (US = 100)
91.1
Schools, risk and environment
School rating (1 to 10)
4.7
FEMA hazard risk score (0 to 100)
91.1
Unhealthy air days a year
4
Show 4 more
Flood risk score
89.2
Wildfire risk score
89.7
Walkability (1 to 20)
6.9
Road, rail and air noise
53 dB
Questions people ask
Is Bell County, TX overvalued?
Home prices in Bell County, TX are slightly above what local incomes have historically supported: fair value is about $240,226, so the area is 3.2% overvalued.
Is Bell County, TX a buyer's or seller's market?
Bell County, TX is a balanced market: homes take about 75 days to sell, listings are down 4% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Bell County, TX?
Home values in Bell County, TX are down 1.9% over the last year. Zillow's forecast for the next 12 months is −0.6%.
How much do you need to earn to buy a home in Bell County, TX?
A household needs about $53,746 a year to afford the typical home in Bell County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $69,108.