76501 — Bell County, Texas Market Snapshot
Housing market data for zip code 76501 in Bell County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$223,000
Days to Sell
88
Homes Sold
55
Inventory
93
Sale-to-List
97.6%
New Listings
78
Price/SqFt
$141
Pending Sales
73
Conforming Loan Available
Most homebuyers in 76501 can comfortably use conventional financing. The median home price of $223,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 88 days on average, 76501 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 76501 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76501 can comfortably use conventional financing. The median home price of $223,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 76501 are set at the county level.
2026 Loan Limits — Bell County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 76501
To purchase the median home at $223,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,859.
Monthly Payment
$1,859
Income Required
$79,653
Principal & Interest
$1,374/mo
Down Payment (5%)
$11,150
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 76501.
Estimated Monthly Payment
$1,530
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