The story of this market
The typical home in ZIP 75414 sells for about $355,000.
Prices are down 4.1% from a year ago, which gives buyers more room to negotiate. Homes take about 62 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,395 a month.
ZIP 75414 — Bells
The 75414 housing market is experiencing a period of price stabilization following a cooling trend, with a median price of $355,000. While year-over-year prices have dipped slightly, the area remains attractive to families due to its rural character and proximity to major industrial growth in Sherman. Demand remains steady, supported by limited inventory and the ongoing economic expansion of the North Texas corridor.
This ZIP is ideal for families and individuals seeking a quiet, rural-suburban lifestyle who work in the nearby Sherman-Denison industrial and commercial hubs.
Median prices moved down 4.1% year over year.
Homes spend a median of 62 days on market with 4.8 months of supply — a balanced-paced market.
13% of listings have cut prices · homes sell at 97.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 9.2% — 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 8.9%/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 9.2%/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 75414, Grayson County TX
Crime rates in the Bells area are generally low, consistent with rural Grayson County trends and significantly lower than the regional averages for the Dallas-Fort Worth metroplex.
The area is primarily served by Bells Independent School District, which maintains a strong reputation for academic performance and community-focused extracurricular programs.
The region is subject to standard North Texas weather risks, including severe thunderstorms and occasional high winds; flood risk is localized to specific low-lying areas near creeks.
Growth is driven by the expansion of the North Texas corridor, with increasing residential demand from commuters seeking a rural lifestyle within reach of Sherman and Denison employment hubs.
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).
Commuters primarily utilize US-82 and US-69 to reach major employment centers in Sherman and Denison, typically requiring a 15-25 minute drive.
Residents have access to local community parks and are within a short drive of Lake Texoma for boating, fishing, and outdoor recreation.
The rental market is characterized by low inventory and high demand for single-family homes, with limited multi-family options available.
The local economy is anchored by manufacturing, agriculture, and proximity to the growing industrial base in Sherman, including major employers like Texas Instruments and Tyson Foods.
Transportation is heavily reliant on personal vehicles, with US-82 serving as the primary arterial highway connecting the area to regional employment centers.
Development is focused on residential subdivisions catering to the influx of workers associated with the industrial expansion in neighboring Sherman.
The Grayson Central Appraisal District manages property assessments, with annual valuations based on market data and state-mandated appraisal standards.
Parcels are subject to Bells ISD taxes and Grayson County jurisdictional levies; no major MUDs are currently active in the core of this ZIP.
Property insurance premiums are rising due to regional exposure to severe weather events, including hail and wind damage common in North Texas.
Texas continues to see strong net domestic migration, with North Texas counties like Grayson benefiting from spillover growth from the Dallas-Fort Worth metroplex.
Texas is a non-judicial foreclosure state, allowing for relatively efficient lender recovery processes under the Texas Property Code.
Sellers are required to provide a standard Texas Real Estate Commission (TREC) Seller's Disclosure Notice detailing the condition of the property.
Data retrieved from data.census.gov ZCTA 75414 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.
- Schulman’s Movie Bowl Grille4.510 mi
- Fairview Park4.711.8 mi
- HeyDay Entertainment Denison4.511.8 mi
- Urban Air Trampoline and Adventure Park4.211.8 mi
- Skatelands of America4.511.2 mi
- Golden Corral Buffet & Grill4.311 mi
- BarnHill Vineyards4.818.4 mi
- The Springs Weddings & Events - Havenstone Reserve4.618.6 mi
- The Post Restaurant4.210.6 mi
- Rustic Grace Estate4.816.9 mi
- North Texas Safari Park4.812.2 mi
- Schulman’s Movie Bowl Grille4.510 mi
- Waterloo Park4.712.1 mi
- Cinemark Sherman4.511.5 mi
- Fairview Park4.711.8 mi
- Eisenhower Birthplace State Historic Site4.611.6 mi
- Historic Carpenters Bluff Bridge4.710.3 mi
- Perrin AFB Historical Museum4.915.1 mi
- Frontier Village & Museum4.812.4 mi
- The Sherman Museum4.510.4 mi
- Texoma Health Foundation Park at Gateway Village4.712.1 mi
- Waterloo Park4.712.1 mi
- Fairview Park4.711.8 mi
- Herman Baker Park4.611.9 mi
- Hawn Park4.59.3 mi
- Eisenhower Yacht Club4.417.9 mi
- Stone Creek Golf Club3.610.7 mi
- La Michoacana Meat Market3.910.9 mi
- Albertsons4.311.1 mi
- Ross Dress for Less4.311.7 mi
- Albertsons4.211.8 mi
- T.J. Maxx4.311.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Local community park providing green space and recreational facilities.
Major regional reservoir offering extensive boating, fishing, and camping opportunities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass. Contamination repair: median rent, price per sq ft reproduced Grayson County's own figure to the dollar and were cleared — a parent aggregate is not this ZIP's reading.