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 76549 — Killeen
The Killeen housing market in 76549 shows signs of stabilization with steady price appreciation and balanced inventory levels. While sales volume has fluctuated, the market remains supported by consistent demand from the military-adjacent workforce. Current conditions reflect a transition from the volatility of previous years toward a more sustainable growth trajectory.
This ZIP is well-suited for military families, first-time homebuyers, and investors seeking affordable entry points into the Central Texas market, given its proximity to Fort Cavazos and relatively accessible price points.
Median prices moved up 6.5% year over year.
Homes spend a median of 75 days on market with 5.1 months of supply — a balanced-paced market.
66% of listings have cut prices · homes sell at 98.5% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 6.8% · poverty 15.2% — a mixed stability profile.
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 5.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 76549, Bell County TX
Crime trends in Killeen are generally consistent with regional averages for mid-sized Texas cities, with localized variations in property crime rates.
The area is served by the Killeen Independent School District, which provides a range of public educational options with varying performance ratings across the district.
The region is subject to standard Texas climate risks, including potential for severe thunderstorms, high winds, and occasional flash flooding; property insurance premiums reflect these regional hazard profiles.
Economic momentum is heavily anchored by the proximity to Fort Cavazos, driving demand for housing and supporting a stable base of service and defense-related employment.
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).
Commute times are generally moderate, with residents primarily relying on personal vehicles for access to major employment hubs like Fort Cavazos and the broader Killeen-Temple metropolitan area.
The area features access to local community parks, neighborhood trails, and proximity to Stillhouse Hollow Lake for outdoor recreation, alongside standard retail and dining corridors.
The rental market is characterized by steady demand driven by military personnel and transient populations, with moderate vacancy pressure and a mix of single-family and multi-family inventory.
The economy is dominated by the defense sector, with Fort Cavazos serving as the primary economic engine, supplemented by healthcare, education, and retail services.
Transportation is primarily highway-based, with US-190 and I-14 serving as the main arteries for regional connectivity.
Development is focused on residential expansion and supporting commercial infrastructure along the major highway corridors.
The Bell County Appraisal District conducts annual property valuations based on market data to determine tax assessments.
Parcels are subject to Killeen ISD taxes and may fall within specific municipal utility districts or emergency service districts.
Property insurance markets are stable but sensitive to regional weather-related claims, particularly wind and hail damage.
Data retrieved from US Census Bureau ZCTA profiles and local market reports.
Major regional reservoir offering boating, fishing, and park facilities.
Public facility providing local sports and community programming.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
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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