Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
ZIP 76541 — Killeen
The Killeen housing market in 76541 is currently experiencing a cooling phase, characterized by a decline in year-over-year prices and an increase in days on market. High inventory levels relative to demand have shifted the market in favor of buyers, who are finding increased bargaining power. These trends are largely driven by broader economic adjustments and a softening in regional housing demand.
This ZIP is well-suited for budget-conscious first-time homebuyers, military families seeking proximity to the base, and investors looking for entry-level rental properties.
Median prices moved down 8.2% year over year.
Homes spend a median of 76 days on market with 2.1 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 99% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 12.5% · poverty 26.1% — elevated distress and economic pressure.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical -6.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 76541, Bell County TX
Crime rates in Killeen are generally higher than the national average, with property and violent crime being the primary concerns for residents in the central areas.
Schools in this ZIP are primarily served by the Killeen Independent School District, which faces ongoing challenges with student performance and resource allocation.
The area is subject to standard Texas climate risks, including potential for severe thunderstorms, high winds, and localized flash flooding during heavy rain events.
Economic momentum is heavily tied to the proximity of Fort Cavazos, which serves as the primary anchor for the regional economy and housing demand.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Residents primarily rely on personal vehicles for commuting, with major access provided by the Central Texas Expressway (US-190) connecting to the broader Killeen-Temple metro area.
The area features local community parks and is within a short drive of Stillhouse Hollow Lake and Belton Lake, offering boating, fishing, and hiking opportunities.
The rental market is characterized by high demand from military personnel and students, with vacancy rates remaining relatively tight despite recent price fluctuations.
The economy is dominated by the defense sector, specifically the operations at Fort Cavazos, supported by a mix of retail, healthcare, and service industries.
Transportation is primarily car-dependent, with the Central Texas Expressway serving as the main arterial corridor for regional transit.
Development is focused on infill projects and the revitalization of older residential neighborhoods near the city center.
The Bell County Appraisal District manages property assessments, typically conducting annual reviews to determine market value for tax purposes.
Parcels are subject to Killeen ISD taxes and may fall within specific municipal utility districts or local improvement districts.
Property insurance premiums in the region have seen upward pressure due to increased frequency of severe weather events in Central Texas.
Data retrieved from data.census.gov ZCTA 76541 profile.
Provides local sports and community event facilities.
Regional shopping destination serving the Killeen area.
Deterministic aggregate of 1 researched property in this ZIP (latest reading each) — each property weighs one; per point, properties lacking the value are excluded. Property-level records (taxes, scores, permits) never roll individually.
No county-record distress flags across 1 researched property on the ARED base layer. Key-figure check: median price diverges 62.8% from the nearest retained anchor (researched-property base layer) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict. Validation: confirmed genuine market swing — the flagged $150,000 was independently re-read and corroborated by 2 source(s); it stands as the new anchor baseline.
Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.
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Aggregate foreclosure counts for this geography — recorded notices, upcoming sales and distress weight against population. The filing-level ledger opens at Investor.
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