ZIP 76549 vs ZIP 76511

76549 is one of 17 ZIP codes that lie mostly in Bell County, TX — 89% of its own area is in the county.

Shaded by typical home value, it ranks 11 of the 17 with a value.

13 school locations in 76549: 8 elementary, 3 middle, 2 high.

In alphabetical order: ADVENTHEALTH SCHOOL, DR JOSEPH A FOWLER EL, EL ALTER LEARNING CENTER, HAYNES EL, and more on the ZIP page. Locations only — no ratings are shown here.

76511 is one of 17 ZIP codes that lie mostly in Bell County, TX — 57% of its own area is in the county.

Shaded by typical home value, it ranks 12 of the 17 with a value.

3 school locations in 76511: 1 high, 2 other.

In alphabetical order: BARTLETT SCHOOLS, BELL CO JJAEP, WILLIAMSON CO J J A E P. Locations only — no ratings are shown here.

In October 2008 the typical home in 76549 was worth $133,952.

Values peaked at $243,647 in November 2022. The latest reading is −7.1% from that peak.

As of August 2026: $226,323, −1.7% over twelve months.

Start with the typical home: $226,323. Put 20% down and borrow $181,058 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,254 a month in principal and interest.

The median household here earns $62,536 a year, $5,211 a month. So the payment takes 24.1% 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 14.2% 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 $656.

In December 2020, with rates at 2.68%, it was $545.

By August 2026, at 6.67%, it was $1,164 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +69% 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 $206,261. So the real change is +10%, not +69%.

76549: +69% since October 2008.

Bell County: +69% since October 2008.

Texas: +106% since October 2008 — 76549 ran behind it by 37 points.

Owning the typical home costs about $1,480 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,359 a month.

Price divided by a year's rent: 13.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In March 2009 the typical home in 76511 was worth $101,368.

Values peaked at $270,170 in June 2022. The latest reading is −17.3% from that peak.

As of August 2026: $223,299, +0.1% over twelve months.

Start with the typical home: $223,299. Put 20% down and borrow $178,639 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,237 a month in principal and interest.

The median household here earns $64,215 a year, $5,351 a month. So the payment takes 23.1% 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 10.5% in 2009.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in March 2009 (5.00%) the payment was $435.

In December 2020, with rates at 2.68%, it was $624.

By August 2026, at 6.67%, it was $1,149 — +84% since December 2020, while the home's value moved +16%.

Reported values rose +120% since March 2009.

General prices (CPI-U) rose +57% over the same span.

Divide one by the other: in August 2026 dollars, the 2009 home was worth $159,393. So the real change is +40%, not +120%.

76511: +120% since March 2009.

Bell County: +73% since March 2009.

Texas: +109% since March 2009 — 76511 ran ahead of it by 12 points.

Owning the typical home costs about $1,460 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $738 a month.

Price divided by a year's rent: 25.2. 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 90 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 299. That is 93% of the 2015–2019 level for the same months.

Going out — closed sales: about 63 a month. That is 74% of the 2015–2019 level for the same months. The drain is drawn 16% narrower: the share of homes for sale that sell each month is 84% 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 27 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 63 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 77 — so sales ran at 82% 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).

Homes sold: about 0 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 12 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: 299 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: 15 in June 2026.

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