The story of this market
The typical home in ZIP 76539 sells for about $225,000, or $129 per square foot.
Prices are down 8.2% from a year ago, which gives buyers more room to negotiate. Homes take about 76 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,300 a month.
ZIP 76539 — Kempner
The Killeen housing market is currently experiencing a cooling phase, with median prices down 8.2% year-over-year and inventory levels remaining elevated. High interest rates and a shift in buyer demand have contributed to longer days on market and a more competitive environment for sellers. Despite these headwinds, the area remains an affordable option for military personnel and families, supported by the stable economic anchor of Fort Cavazos.
This area is well-suited for military families, first-time homebuyers, and investors seeking affordable entry points into the Texas housing market.
Median prices moved down 8.2% year over year.
Homes spend a median of 76 days on market with 3.5 months of supply — a balanced-paced market.
20% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.5% · poverty 14.0% — 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 5.0%/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 4.0%/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 76539, Bell County TX
Crime rates in the Killeen area are generally higher than the national average, with property crime being the most frequently reported incident type.
The area is primarily served by the Killeen Independent School District, which maintains a diverse range of public schools with varying performance ratings.
The region faces moderate risks from severe thunderstorms and occasional flash flooding, with standard property insurance coverage typically including these perils.
Economic momentum is heavily tied to the presence of Fort Cavazos, which serves as the primary anchor for local employment and regional infrastructure development.
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 is primarily car-dependent, with major transit corridors like US-190 and I-14 facilitating access to the Fort Cavazos military installation and surrounding employment hubs.
Residents have access to several local parks, community centers, and the nearby Stillhouse Hollow Lake, which provides significant opportunities for water-based recreation.
The rental market is characterized by high demand driven by the military population, with rent prices showing recent softening trends due to increased inventory.
The economy is dominated by the defense sector, with Fort Cavazos serving as the largest employer, supported by a mix of retail and service industries.
The area is served by a network of highways including I-14 and US-190, with limited public transit options primarily focused on local bus services.
Development is focused on residential expansion in the western and southern fringes of the city to accommodate population growth.
The Bell County Appraisal District conducts annual property valuations to determine the tax base for local jurisdictions.
Parcels are subject to various special districts including the Killeen Independent School District and local water/utility districts.
Property insurance premiums are influenced by regional weather patterns, including hail and wind risk, which are common in Central Texas.
Data retrieved from US Census Bureau ZCTA-level tables.
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.
- Urban Air Trampoline and Adventure Park4.317.1 mi
- Cinergy Copperas Cove4.610.6 mi
- Chuck E. Cheese418.7 mi
- Luv 2 Play Killeen4.417.2 mi
- Great Escape of Central Texas4.919.4 mi
- Phantom Warrior Stadium4.414.4 mi
- Cinergy Copperas Cove4.610.6 mi
- Killeen Civic and Conference Center4.618 mi
- AREA 2544.717.2 mi
- Golden Corral Buffet & Grill3.818 mi
- Cinergy Copperas Cove4.610.6 mi
- Putters & Gutters Fun Center- Lampasas4.59.3 mi
- Ogletree Gap Preserve4.67.4 mi
- Hancock Springs Park4.59.4 mi
- Hanna Springs Sculpture Garden4.69.3 mi
- Hanna Springs Sculpture Garden4.69.3 mi
- Copperas Cove City Park4.39.5 mi
- Ogletree Gap Preserve4.67.4 mi
- Hancock Springs Park4.59.4 mi
- Hills of Cove Golf Course410.6 mi
- Ross Dress for Less4.311 mi
- Dollar General4.29.9 mi
- Dollar General4.37.4 mi
- Dollar General4.23.4 mi
- Cove Terrace Shopping Center49.5 mi
- Killeen Regional Airport412.2 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Major regional reservoir offering boating, fishing, and camping.
Public facility providing sports courts and community programming.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.