ZIP 76502 vs ZIP 76542

76502 is one of 17 ZIP codes that lie mostly in Bell County, TX.

Shaded by typical home value, it ranks 8 of the 17 with a value.

12 school locations in 76502: 7 elementary, 3 middle, 2 high.

In alphabetical order: BONHAM MIDDLE, CATER EL, CHARTER OAK EL, HIGH POINT EL, and more on the ZIP page. Locations only — no ratings are shown here.

76542 is one of 17 ZIP codes that lie mostly in Bell County, TX.

Shaded by typical home value, it ranks 9 of the 17 with a value.

13 school locations in 76542: 7 elementary, 2 middle, 3 high, 1 other.

In alphabetical order: ALICE W DOUSE EL, CEDAR VALLEY EL, C E ELLISON H S, CHAPARRAL H S, and more on the ZIP page. Locations only — no ratings are shown here.

In October 2008 the typical home in 76502 was worth $168,900.

Values peaked at $315,507 in August 2022. The latest reading is −13.3% from that peak.

As of August 2026: $273,491, −2.8% over twelve months.

Start with the typical home: $273,491. Put 20% down and borrow $218,793 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,515 a month in principal and interest.

The median household here earns $80,504 a year, $6,709 a month. So the payment takes 22.6% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 13.9% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in October 2008 (6.20%) the payment was $828.

In December 2020, with rates at 2.68%, it was $693.

By August 2026, at 6.67%, it was $1,407 — +103% since December 2020, while the home's value moved +28%.

Reported values rose +62% since October 2008.

General prices (CPI-U) rose +54% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $260,074. So the real change is +5%, not +62%.

76502: +62% since October 2008.

Bell County: +69% since October 2008.

Texas: +106% since October 2008 — 76502 ran behind it by 44 points.

Owning the typical home costs about $1,788 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,572 a month.

Price divided by a year's rent: 14.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In October 2008 the typical home in 76542 was worth $164,064.

Values peaked at $272,063 in September 2022. The latest reading is −5.8% from that peak.

As of August 2026: $256,325, −0.8% over twelve months.

Start with the typical home: $256,325. Put 20% down and borrow $205,060 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,420 a month in principal and interest.

The median household here earns $72,891 a year, $6,074 a month. So the payment takes 23.4% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 15.0% in 2008.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in October 2008 (6.20%) the payment was $804.

In December 2020, with rates at 2.68%, it was $628.

By August 2026, at 6.67%, it was $1,319 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +56% since October 2008.

General prices (CPI-U) rose +54% over the same span.

Divide one by the other: in August 2026 dollars, the 2008 home was worth $252,627. So the real change is +1%, not +56%.

76542: +56% since October 2008.

Bell County: +69% since October 2008.

Texas: +106% since October 2008 — 76542 ran behind it by 50 points.

Owning the typical home costs about $1,676 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,456 a month.

Price divided by a year's rent: 14.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 111 a month (Redfin, 3-month rolling data through August 2026). That is 102% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 462. That is 154% of the 2015–2019 level for the same months.

Going out — closed sales: about 98 a month. That is 90% of the 2015–2019 level for the same months. The drain is drawn 42% narrower: the share of homes for sale that sell each month is 58% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.7 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 98 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 85 — so sales ran at 115% of it, and below it in 13 of the last 24 months.

Across Bell County, builders pulled permits for 2,839 new homes in 2025.

Of those, 76% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 92 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 340. That is 102% of the 2015–2019 level for the same months.

Going out — closed sales: about 69 a month. That is 81% of the 2015–2019 level for the same months. The drain is drawn 21% narrower: the share of homes for sale that sell each month is 79% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.9 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 23 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 69 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 72 — so sales ran at 96% of it, and below it in 16 of the last 24 months.

Across Bell County, builders pulled permits for 2,839 new homes in 2025.

Of those, 76% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Bell County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,371 moved in. Among the ten receiving the most, 5,500 moved out.

Net across those counties: −129 households. Beside it, homes for sale in this ZIP: 462 in June 2026.

Most arrivals came from Williamson, TX (1,249 households); most departures went to Coryell, TX (1,187).

This ZIP sits in Bell County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,371 moved in. Among the ten receiving the most, 5,500 moved out.

Net across those counties: −129 households. Beside it, homes for sale in this ZIP: 340 in June 2026.

Most arrivals came from Williamson, TX (1,249 households); most departures went to Coryell, TX (1,187).