Troy 76579

Killeen-Temple, TX · Bell County, TX · 3,431 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

69affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
18.8%
affordable
Days on market
164
daily
Price cuts
20.8%
of active
Look up an address
58
/100
mixed
cooling · balanced · prices easing year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

39/ 100SellerBalancedBuyer
Seller's Market
DOM: 188d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)40
Supply & Demand (20%)100
Buy vs Rent (15%)0
Days on Market (5%)100

Seller-favored market in 76579. Expect to pay at or near list price. Payment burden: 18.8% of median income. Median days on market: 188.

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 3.1% YoY.

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Market snapshoteach number, once

Median price
$258,079
▾ 3.1% YoY
Days on market
164
daily · zip_data
Median rent
$1,809
ZORI
Investor score
74/100
cash-flow lens
Active listings
33
90-day

Valuation3 lenses, different anchors

vs assessor
—
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$0
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+39.8%
County-wide market — the widest, slowest signal.
Bell+39.8%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$163
Price-to-income3.1×

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How 76579 ranks in TX
percentile vs all TX ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

21SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply31.2 mo
Days on Market164d
Inv vs History-35.1%
Listing Density19.3/1k
Market dynamics
Price cut %20.8%
Momentumcooling
LeverageBALANCED
Months of supply31.2
Sales (90d)0
Investment analysis
Median rent$1,809
Price-to-rent11.9
Est. cap rate5.5%
Buy vs rentfavors buying

Livability

Walk score—
Transit score—
Bike score—

Historical trends

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Bell County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Nearby ZIP codes

76501
Temple
$192,678
-2.8%
76504
Temple
$190,236
-4.3%
Killeen Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Bell County