ZIP 76554

76554 is one of 17 ZIP codes that lie mostly in Bell County, TX.

Shaded by typical home value, it ranks 13 of the 17 with a value.

8 school locations in 76554: 2 elementary, 1 middle, 2 high, 3 other.

In alphabetical order: ACADEMY EARLY CHILDHOOD CENTER, ACADEMY EL, ACADEMY H S, ACADEMY J H, and more on the ZIP page. Locations only — no ratings are shown here.

In October 2008 the typical home in 76554 was worth $103,204.

Values peaked at $228,938 in July 2023. The latest reading is −8.7% from that peak.

As of August 2026: $208,937, −3.9% over twelve months.

Start with the typical home: $208,937. Put 20% down and borrow $167,150 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,157 a month in principal and interest.

The median household here earns $73,558 a year, $6,130 a month. So the payment takes 18.9% 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 9.3% 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 $506.

In December 2020, with rates at 2.68%, it was $536.

By August 2026, at 6.67%, it was $1,075 — +101% since December 2020, while the home's value moved +26%.

Reported values rose +102% 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 $158,915. So the real change is +31%, not +102%.

76554: +103% since October 2008.

Bell County: +69% since October 2008.

Texas: +106% since October 2008 — 76554 ran behind it by 3 points.

Owning the typical home costs about $1,366 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,073 a month.

Price divided by a year's rent: 16.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 100% 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).

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: 5 in June 2026.

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