The story of this market
The typical home in ZIP 76544 sells for about $229,000, or $129 per square foot.
Prices are up +6.5% from a year ago, so sellers still have some momentum. 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 76544 — Fort Cavazos
The housing market in ZIP 76544 remains stable, supported by the consistent demand from the military population at Fort Cavazos. While regional Killeen data shows some price volatility, this specific area maintains a balanced inventory level. Market conditions are currently driven by steady, moderate appreciation rather than rapid growth.
This ZIP is primarily suited for military families, civilian defense employees, and those seeking affordable housing options within the Killeen-Fort Cavazos corridor.
Median prices moved up 6.5% year over year.
Homes spend a median of 76 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.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.8% · poverty 12.4% — a stable, low-distress profile.
versus the prior ACS vintage
ZCTA 76544, Bell County TX
The area is heavily influenced by the presence of Fort Cavazos, which serves as the primary economic anchor and driver of local 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).
Residents primarily rely on personal vehicles for commuting, with access to major regional corridors connecting to the broader Killeen-Temple metropolitan area.
The area features proximity to outdoor recreational opportunities associated with the Fort Cavazos installation and regional parks within the Killeen vicinity.
The rental market is characterized by steady demand driven by military personnel and civilian employees associated with the base.
The economy is dominated by the defense sector, specifically the operations and support services related to Fort Cavazos.
Transportation infrastructure is centered on highway access to the Killeen-Temple MSA, with limited public transit options.
Development activity is largely tied to military infrastructure projects and supporting residential growth in the surrounding Killeen area.
The Bell County Appraisal District manages property assessments for the majority of the ZIP code, following standard Texas property tax code procedures.
Parcels are subject to various taxing entities including the Killeen Independent School District and local municipal utility districts.
Property insurance premiums in the region are influenced by standard Texas hazard risks, including wind and hail exposure.
Data retrieved from US Census Bureau ZCTA-level tables.
- Urban Air Trampoline and Adventure Park4.34.4 mi
- Cinergy Copperas Cove4.65.1 mi
- Chuck E. Cheese46.5 mi
- Luv 2 Play Killeen4.46.6 mi
- Great Escape of Central Texas4.97.6 mi
- Phantom Warrior Stadium4.41.9 mi
- Killeen Civic and Conference Center4.66.6 mi
- Cinergy Copperas Cove4.65.1 mi
- AREA 2544.73.9 mi
- Fire Street Pizza4.713.9 mi
- Cinemark Harker Heights4.49.3 mi
- Lions Club Park4.56.8 mi
- Urban Air Trampoline and Adventure Park4.34.4 mi
- Dave & Buster's Killeen4.38 mi
- Regal Killeen46.7 mi
- Kingpin Tattoo4.68.6 mi
- Coryell Museum and Historical Center4.819.7 mi
- National Mounted Warrior Museum4.82.5 mi
- Lions Club Park4.56.8 mi
- Cooper Field4.51 mi
- Carl Levin Park4.69.8 mi
- Harker Heights Community Park4.611.4 mi
- Long Branch Park4.36.8 mi
- Frank's Marina- Lake Belton4.318.6 mi
- The Courses of Clear Creek4.31.1 mi
- Hills of Cove Golf Course45.4 mi
- Killeen Mall3.96.2 mi
- AAFES Main Exchange px4.51.5 mi
- Ross Dress for Less4.26.9 mi
- Kohl's4.36.1 mi
- Murdoch's Ranch & Home Supply4.55.3 mi
- Killeen Regional Airport46.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.