76542 — Bell County, Texas Market Snapshot
Housing market data for zip code 76542 in Bell County, Texas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Bell County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$375,999
Days to Sell
66
Homes Sold
9
Inventory
27
Conforming Loan Available
Most homebuyers in 76542 can comfortably use conventional financing. The median home price of $375,999 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 66 days on average, 76542 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 76542 can comfortably use conventional financing. The median home price of $375,999 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 76542 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 76542
To purchase the median home at $375,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,031.
Monthly Payment
$3,031
Income Required
$129,891
Principal & Interest
$2,317/mo
Down Payment (5%)
$18,800
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 76542.
Estimated Monthly Payment
$2,477
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