The story of this market
The typical home in ZIP 76538 sells for about $332,000, or $165 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,150 a month.
ZIP 76538 — Jonesboro
The housing market in 76538 is characterized by low inventory and slow turnover, typical of a rural community. Prices have seen modest appreciation, but the market remains balanced due to limited demand for remote rural properties. Growth is stagnant, with no major developments planned, keeping the area's character stable.
This ZIP is best suited for those seeking a quiet, rural lifestyle who are comfortable with a longer commute to regional employment centers. It appeals primarily to families and retirees looking for larger land parcels rather than urban amenities.
Median prices moved up 2.1% year over year.
Homes spend a median of 88 days on market with 9.2 months of supply — a slower-moving market.
12% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 11.8% — 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 8.1%/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 6.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 76538, Texas
Crime rates in the rural Jonesboro area are generally low compared to the more urbanized centers of the Killeen-Temple-Fort Hood MSA. Specific localized trend data is not determinable.
Schools serving this area are primarily part of the Jonesboro ISD, which is a small rural district. Performance ratings are generally stable but limited by the small student population size.
The area is subject to standard Central Texas climate risks, including potential for severe thunderstorms, wind events, and localized flooding in low-lying areas near the Leon River. Insurance premiums are influenced by regional wildfire and hail exposure.
Economic momentum is largely tied to the broader Killeen-Temple-Fort Hood MSA, with the military presence at Fort Cavazos serving as a primary regional anchor. Local development remains slow and primarily focused on rural residential and agricultural land use.
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).
Commuting from Jonesboro requires significant drive time, typically 30-45 minutes to reach major employment hubs in Gatesville or the Killeen-Temple area via state highways.
Recreational opportunities are centered on rural outdoor activities, including hunting, fishing, and access to the Leon River. Limited commercial shopping and dining are available within the immediate 3-mile radius.
The rental market is limited in depth, consisting mostly of single-family homes and mobile homes. Vacancy pressure is generally low due to the scarcity of available rental inventory.
The economy is heavily influenced by the agricultural sector and the proximity to the Killeen-Temple-Fort Hood MSA. Major regional employment is driven by the military and government services.
Transportation is entirely dependent on private vehicles, with access provided by state and county road networks. No public transit infrastructure serves this rural ZIP code.
There are no major commercial or high-density residential developments currently approved or under construction in this ZIP code.
The Coryell and Hamilton County appraisal districts manage assessments, focusing on agricultural exemptions for large tracts of land.
Parcels are subject to Jonesboro ISD taxes and county-level emergency service district levies.
Property insurance premiums are rising due to regional hail and wind risk, though the rural nature of the area keeps some liability costs lower than in dense urban centers.
Data retrieved from data.census.gov for ZCTA 76538.
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 local fishing and outdoor recreation access.
Historic local service point for the unincorporated community.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.