ZIP 76557 vs ZIP 76559

76557 is one of 17 ZIP codes that lie mostly in Bell County, TX — 45% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 17 with a value.

4 school locations in 76557: 2 elementary, 1 middle, 1 high.

In alphabetical order: MOODY EL, MOODY H S, MOODY MIDDLE, MOODY PRE-K. Locations only — no ratings are shown here.

76559 is one of 17 ZIP codes that lie mostly in Bell County, TX.

Shaded by typical home value, it ranks 4 of the 17 with a value.

2 school locations in 76559: 2 elementary.

In alphabetical order: NOLANVILLE EL, RICHARD E CAVAZOS EL. Locations only — no ratings are shown here.

In October 2008 the typical home in 76557 was worth $140,202.

Values peaked at $333,319 in April 2026. The latest reading is −0.8% from that peak.

As of August 2026: $330,718, +1.3% over twelve months.

Start with the typical home: $330,718. Put 20% down and borrow $264,574 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,832 a month in principal and interest.

The median household here earns $75,958 a year, $6,330 a month. So the payment takes 28.9% of income — rated “stretched” (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 12.3% 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 $687.

In December 2020, with rates at 2.68%, it was $721.

By August 2026, at 6.67%, it was $1,701 — +136% since December 2020, while the home's value moved +48%.

Reported values rose +136% 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 $215,884. So the real change is +53%, not +136%.

76557: +136% since October 2008.

Bell County: +69% since October 2008.

Texas: +106% since October 2008 — 76557 ran ahead of it by 30 points.

Owning the typical home costs about $2,163 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,055 a month.

Price divided by a year's rent: 26.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In October 2008 the typical home in 76559 was worth $183,231.

Values peaked at $325,013 in September 2022. The latest reading is −6.2% from that peak.

As of August 2026: $304,996, −2.0% over twelve months.

Start with the typical home: $304,996. Put 20% down and borrow $243,997 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,689 a month in principal and interest.

The median household here earns $72,388 a year, $6,032 a month. So the payment takes 28.0% of income — rated “stretched” (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 16.8% 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 $898.

In December 2020, with rates at 2.68%, it was $753.

By August 2026, at 6.67%, it was $1,569 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +66% 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 $282,141. So the real change is +8%, not +66%.

76559: +67% since October 2008.

Bell County: +69% since October 2008.

Texas: +106% since October 2008 — 76559 ran behind it by 39 points.

Owning the typical home costs about $1,994 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,439 a month.

Price divided by a year's rent: 17.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 200% of it, and below it in 0 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 24 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 90.

Going out — closed sales: about 19 a month. The drain is drawn 39% narrower: the share of homes for sale that sell each month is 61% 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 19 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 158% of it, and below it in 1 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: 21 in June 2026.

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

County assessor records list 148 properties with a market value here. Their average assessed market value is $151,340; the typical home value is $330,718.

The assessor average sits −54.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

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: 90 in June 2026.

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