ZIP 76513 vs ZIP 76548

76513 is one of 17 ZIP codes that lie mostly in Bell County, TX.

Shaded by typical home value, it ranks 5 of the 17 with a value.

16 school locations in 76513: 7 elementary, 3 middle, 3 high, 3 other.

In alphabetical order: BELTON EARLY CHILDHOOD SCHOOL, BELTON H S, BELTON MIDDLE, BELTON NEW TECH H S AT WASKOW, and more on the ZIP page. Locations only — no ratings are shown here.

76548 is one of 17 ZIP codes that lie mostly in Bell County, TX.

Shaded by typical home value, it ranks 6 of the 17 with a value.

7 school locations in 76548: 3 elementary, 3 middle, 1 high.

In alphabetical order: EASTERN HILLS MIDDLE, HARKER HEIGHTS EL, HARKER HEIGHTS H S, MOUNTAIN VIEW EL, and more on the ZIP page. Locations only — no ratings are shown here.

In October 2008 the typical home in 76513 was worth $170,109.

Values peaked at $331,908 in September 2022. The latest reading is −8.2% from that peak.

As of August 2026: $304,765, −1.6% over twelve months.

Start with the typical home: $304,765. Put 20% down and borrow $243,812 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,688 a month in principal and interest.

The median household here earns $82,366 a year, $6,864 a month. So the payment takes 24.6% 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 13.7% 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 $833.

In December 2020, with rates at 2.68%, it was $773.

By August 2026, at 6.67%, it was $1,568 — +103% since December 2020, while the home's value moved +28%.

Reported values rose +79% 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 $261,935. So the real change is +16%, not +79%.

76513: +79% since October 2008.

Bell County: +69% since October 2008.

Texas: +106% since October 2008 — 76513 ran behind it by 27 points.

Owning the typical home costs about $1,993 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,651 a month.

Price divided by a year's rent: 15.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In October 2008 the typical home in 76548 was worth $192,838.

Values peaked at $316,089 in August 2022. The latest reading is −5.6% from that peak.

As of August 2026: $298,252, +0.8% over twelve months.

Start with the typical home: $298,252. Put 20% down and borrow $238,602 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,652 a month in principal and interest.

The median household here earns $80,847 a year, $6,737 a month. So the payment takes 24.5% 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 15.9% 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 $945.

In December 2020, with rates at 2.68%, it was $747.

By August 2026, at 6.67%, it was $1,534 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +55% 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 $296,934. So the real change is 0%, not +55%.

76548: +55% since October 2008.

Bell County: +69% since October 2008.

Texas: +106% since October 2008 — 76548 ran behind it by 51 points.

Owning the typical home costs about $1,950 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,496 a month.

Price divided by a year's rent: 16.6. 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 71 a month (Redfin, 3-month rolling data through August 2026). That is 114% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 263. That is 126% of the 2015–2019 level for the same months.

Going out — closed sales: about 64 a month. That is 108% of the 2015–2019 level for the same months. The drain is drawn 24% narrower: the share of homes for sale that sell each month is 76% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.1 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 64 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 53 — so sales ran at 121% of it, and below it in 6 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 47 a month (Redfin, 3-month rolling data through August 2026). That is 78% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 168. That is 79% of the 2015–2019 level for the same months.

Going out — closed sales: about 35 a month. That is 60% of the 2015–2019 level for the same months. The drain is drawn 23% narrower: the share of homes for sale that sell each month is 77% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.8 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 35 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 50 — so sales ran at 70% of it, and below it in 24 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: 263 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: 168 in June 2026.

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