Lotvox market story · compare
ZIP 76571 vs ZIP 76534
1 of 4
Who's going to sell
Turnover Index not published for 76571 yet.
Where
76571 in Bell County, TX
76571 is one of 17 ZIP codes that lie mostly in Bell County, TX.
Shaded by typical home value, it ranks 1 of the 17 with a value.
- Value rank in county
- 1 of 17
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 76571
4 school locations in 76571: 2 elementary, 1 middle, 1 high.
In alphabetical order: SALADO ESY EL, SALADO H S, SALADO MIDDLE, THOMAS ARNOLD EL. Locations only — no ratings are shown here.
- School locations
- 4
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
Turnover Index not published for 76534 yet.
Where
76534 in Bell County, TX
76534 is one of 17 ZIP codes that lie mostly in Bell County, TX — 93% of its own area is in the county.
Shaded by typical home value, it ranks 2 of the 17 with a value.
- Value rank in county
- 2 of 17
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 76534
3 school locations in 76534: 1 elementary, 1 middle, 1 high.
In alphabetical order: HOLLAND EL, HOLLAND H S, HOLLAND MIDDLE. Locations only — no ratings are shown here.
- School locations
- 3
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
2 of 4
What it costs
Home values
What homes are worth in 76571
In October 2008 the typical home in 76571 was worth $260,518.
Values peaked at $546,739 in August 2022. The latest reading is −6.7% from that peak.
As of August 2026: $510,033, −1.8% over twelve months.
- Typical home value
- $510,033
- 12-month change
- −1.8%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $510,033. Put 20% down and borrow $408,026 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $2,825 a month in principal and interest.
The median household here earns $103,341 a year, $8,612 a month. So the payment takes 32.8% 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.
- Payment share of income
- 32.8%
- Monthly P&I
- $2,825
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $1,276.
In December 2020, with rates at 2.68%, it was $1,235.
By August 2026, at 6.67%, it was $2,624 — +112% since December 2020, while the home's value moved +34%.
- Payment change since 2020
- +112%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +96% 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 $401,148. So the real change is +27%, not +96%.
- Real change since 2008
- +27%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
76571 against its neighbors
76571: +96% since October 2008.
Bell County: +69% since October 2008.
Texas: +106% since October 2008 — 76571 ran behind it by 10 points.
- Change since 2008
- +96%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $3,335 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,975 a month.
Price divided by a year's rent: 21.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 21.5
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 76534
In October 2008 the typical home in 76534 was worth $138,032.
Values peaked at $351,725 in August 2022. The latest reading is −4.5% from that peak.
As of August 2026: $336,021, −1.0% over twelve months.
- Typical home value
- $336,021
- 12-month change
- −1.0%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $336,021. Put 20% down and borrow $268,817 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,861 a month in principal and interest.
The median household here earns $81,000 a year, $6,750 a month. So the payment takes 27.6% 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 11.3% in 2008.
- Payment share of income
- 27.6%
- Monthly P&I
- $1,861
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $676.
In December 2020, with rates at 2.68%, it was $857.
By August 2026, at 6.67%, it was $1,729 — +102% since December 2020, while the home's value moved +27%.
- Payment change since 2020
- +102%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +143% 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 $212,543. So the real change is +58%, not +143%.
- Real change since 2008
- +58%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
76534 against its neighbors
76534: +143% since October 2008.
Bell County: +69% since October 2008.
Texas: +106% since October 2008 — 76534 ran ahead of it by 38 points.
- Change since 2008
- +143%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $2,197 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $836 a month.
Price divided by a year's rent: 33.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 33.5
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
3 of 4
What's moving
Housing pulse
Listings Flow Ladder
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: 119.
Going out — closed sales: about 36 a month. The drain is drawn 17% narrower: the share of homes for sale that sell each month is 83% of its 2015–2019 level.
The ladder: homes for sale ÷ monthly sales = 3.3 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.
The net reading: about 12 more homes sold than came on each month, so inventory is shrinking. The basin is draining.
- Months of supply
- 3.3
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
Homes sold: about 36 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 17 — so sales ran at 212% of it, and below it in 0 of the last 24 months.
- Sales vs 2015–19 level
- 212%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 2,839
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Sales pace vs. normal
Homes sold: about 2 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 200% of it, and below it in 1 of the last 24 months.
- Sales vs 2015–19 level
- 200%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 2,839
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
4 of 4
Who's holding, who's leaving
Housing pulse
Migration and inventory
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: 119 in June 2026.
Most arrivals came from Williamson, TX (1,249 households); most departures went to Coryell, TX (1,187).
- Net households (top-10 flows)
- −129
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
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: 8 in June 2026.
Most arrivals came from Williamson, TX (1,249 households); most departures went to Coryell, TX (1,187).
- Net households (top-10 flows)
- −129
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01