76541 — Bell County, Texas Market Snapshot
Housing market data for zip code 76541 in Bell County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$142,500
Days to Sell
67
Homes Sold
35
Inventory
73
Sale-to-List
95.7%
New Listings
63
Price/SqFt
$99
Pending Sales
55
Conforming Loan Available
Most homebuyers in 76541 can comfortably use conventional financing. The median home price of $142,500 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 67 days on average, 76541 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 76541 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 76541 can comfortably use conventional financing. The median home price of $142,500 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 76541 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 76541
To purchase the median home at $142,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,242.
Monthly Payment
$1,242
Income Required
$53,220
Principal & Interest
$878/mo
Down Payment (5%)
$7,125
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 76541.
Estimated Monthly Payment
$1,032
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