76513 — Bell County, Texas Market Snapshot
Housing market data for zip code 76513 in Bell County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
191 sales in 2026 (year to date)
Median Sale Price
$323,000
Days to Sell
102
Homes Sold
191
Inventory
243
Sale-to-List
98.2%
New Listings
223
Price/SqFt
$173
Pending Sales
223
Conforming Loan Available
Most homebuyers in 76513 can comfortably use conventional financing. The median home price of $323,000 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 102 days on average, 76513 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
Homes are selling very close to asking price in 76513 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76513 can comfortably use conventional financing. The median home price of $323,000 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 76513 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 76513
To purchase the median home at $323,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,625.
Monthly Payment
$2,625
Income Required
$112,488
Principal & Interest
$1,990/mo
Down Payment (5%)
$16,150
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 76513.
Estimated Monthly Payment
$2,149
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