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City · 10,566 residents · McLennan County, Texas

Bellmead , Texas

In Bellmead, a typical home is worth $155,100 and typical rent is $1,107 a month. Compared with all of McLennan County, the typical home value is 36% lower and typical household income is 22% lower.

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  • Typical home value

    $155,100

    36% below the county

    45% below Texas

    • Bellmead
    • McLennan
    • Texas

  • Typical rent

    $1,107a month

    6% below the county

    21% below Texas

    • Bellmead
    • McLennan
    • Texas

  • Typical household income

    $52,075a year

    22% below the county

    34% below Texas

    • Bellmead
    • McLennan
    • Texas

  • Households that own their home

    60%

    2 points below the county

    3 points below Texas

    • Bellmead
    • McLennan
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$153,819
2.2% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bellmead is in McLennan County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of McLennan County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bellmead apart

What this place has that others do not, from public data, most unusual first.

  1. Bellmead has the 7th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (77%).

  2. The typical home in Bellmead is worth $155,100, 36% less than in McLennan County as a whole ($243,600).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Bellmead rose 2.2%; in Texas, it fell 1.4%.

  4. Nearby, in Lacy-Lakeview, the typical rent is $917: 17% less than in Bellmead ($1,107).

  5. The typical household income in Bellmead is $52,075, 22% less than in McLennan County as a whole ($66,643).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Bellmead

What homes there are in Bellmead, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is the most common home in Bellmead: 67% of homes, near the figure in McLennan County (67%).

Mobile homes are 14% of homes in Bellmead, more than in McLennan County (5%).

Year built

In Bellmead, half of the homes were built before 1984; in McLennan County, before 1983.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,214 a month

McLennan County: $1,805 a month

Without a mortgage

$498 a month

McLennan County: $678 a month

Owners with a mortgage

46%

McLennan County: 53%

In Bellmead, 46% of owners have a mortgage, and their typical cost is $1,214 a month, against $1,805 in McLennan County. Without one it drops to $498.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Bellmead rose 108%; in McLennan County, it rose 71%.

Since 2015–2019, the typical rent in Bellmead rose 48%, more than in McLennan County (35%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBellmeadMcLennan CountyTexasUnited States
Rental vacancy Unreliable estimate4.8%7.7%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room 10.9%3.2%4.8%3.4%
People per household 2.962.642.692.53
Drive alone 83%78%71%69%
Carpool 13%10%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate10%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 10.9% of households in Bellmead live, more than in McLennan County (3.2%).

On average, a household in Bellmead has 2.96 people, more than in McLennan County (2.64).

More people carpool to work in Bellmead than in McLennan County: 13% against 10%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Bellmead?

A typical home is tight for the typical income

We start with a typical home in Bellmead, worth $155,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Bellmead, which is $52,075 a year. For that payment to be 28% of income, a household would need to earn about $56,017 a year.

The calculator's FHA and conventional loan limits are those of all of McLennan County.

Your numbers

Local data
$

Starts at the typical home value in Bellmead. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,429 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,307

at 7.18% · 30 years

Loan amount
$152,290
Total interest
$219,110
Paid off in
November 2056

Includes $2,619 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,215 a month

  • Tight

    $1,215 to $1,562 a month

    Your payment · 30%

  • Hard

    more than $1,562 a month

Compared with the typical household income in Bellmead ($52,075 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,307
Principal & interest$1,032
Property tax$142
Home insurance$65
FHA mortgage insurance (MIP)$69

You need at least $5,429 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Bellmead and McLennan County

Bellmead is in McLennan County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Bellmead's own numbers

Typical home value
$155,100
Typical monthly rent
$1,107
Typical yearly household income
$52,075
Households that own their home
60%
Effective property tax rate
1.1%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of McLennan County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,297
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
2.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of McLennan County.

Everything about McLennan County

Buying

Buying a home in Bellmead

A typical home in Bellmead is worth $155,100: 36% below the county and 45% below Texas. With the typical household income in Bellmead ($52,075 a year), a typical home costs 3.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Bellmead 3.0 years
  • McLennan 3.7 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in McLennan County

According to FHFA’s house price index, home prices in McLennan County rose 105% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of McLennan County.

Period County Texas U.S.
Last year (2025) +1.2% +0.8% +2.9%
5 years (2020–2025) +49% +44% +47%
10 years (2015–2025) +105% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Bellmead next to McLennan County, Texas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Bellmead $155,100
  • McLennan $243,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Bellmead $1,107
  • McLennan $1,173
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Bellmead $52,075
  • McLennan $66,643
  • Texas $78,476
  • United States $80,734
See the full table
Bellmead next to McLennan County and Texas
Measure Bellmead McLennan County Texas U.S.
Typical home value $155,100 $243,600 $283,800 $332,700
Typical monthly rent $1,107 $1,173 $1,403 $1,413
Typical yearly household income $52,075 $66,643 $78,476 $80,734
Households that own their home 60% 62% 63% 65%
Typical yearly property tax $1,710 $3,471 $4,232 $3,119
Effective property tax rate 1.1% 1.42% 1.49% 0.94%
Renters with high rent for their income 77% 57% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below McLennan County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Bellmead

For a typical $155,100 home in Bellmead, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bellmead's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,307a month

    Least cash to close
    Down payment
    $5,429
    Cash to close
    $10,082
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $69

  • Conventional, 5% down $1,279a month

    Down payment
    $7,755
    Cash to close
    $12,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $74

  • Conventional, 20% down, no PMI $1,047a month

    Down payment
    $31,020
    Cash to close
    $35,673
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,191a month

    Down payment
    $23,265
    Cash to close
    $27,918
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bellmead and for McLennan County.

Property tax

Effective rate in Bellmead

1.1%of the home’s value each year

$1,710 a year for the typical owner in Bellmead.

  • Bellmead 1.1%
  • McLennan 1.42%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in McLennan County

FEMA does not publish these numbers by city: they are for all of McLennan County.

Homes in the high-risk zone
2.1%
1,655
Of those, with NFIP insurance
33%
County Texas U.S.
Homes in the high-risk zone 2.1% 4.1% 3.5%
Of those, with NFIP insurance 33% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bellmead

Typical rent in Bellmead is $1,107 a month: 6% below the county. In Bellmead, 77% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of McLennan County, by unit size. To pay the 2-bedroom one ($1,297 a month) without spending more than 30% of your income, you would need to earn $24.94 an hour working full time.

HUD fair market rent for all of McLennan County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $903 $17.37 $36,120
1 bedroom $1,029 $19.79 $41,160
2 bedrooms $1,297 $24.94 $51,880
3 bedrooms $1,693 $32.56 $67,720
4 bedrooms $1,705 $32.79 $68,200

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Bellmead

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bellmead is in ZIP code 76705.

For 2 bedrooms it is $1,120: $177 less than the fair market rent for McLennan County ($1,297).

  • 76705 $1,120$1,440

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bellmead when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bellmead

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in McLennan County; 2 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Bellmead

No down payment, repair or rent-help program on our list is for Bellmead or McLennan County. The ones below are statewide in Texas: they work in Bellmead the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    Texas state program for first-time buyers: a 30-year mortgage with down payment assistance. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    Texas state program with down payment assistance for any buyer, not only first-time buyers. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    Tax credit

    See the program Official page

Housing counselors near Bellmead

The HUD-approved agencies closest to the center of Bellmead, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighborhood Housing Services of Waco, Inc.

    922 Franklin Ave, Waco · 4 miles away · Spanish

    • Budget and credit workshops
    • Workshops for new owners
    • and 2 more
    (254) 752-1647

  • Waco Community Development Corporation

    1624 Colcord Ave, Waco · 5 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (254) 235-7358

  • Families in Crisis, Inc.

    1305 E Rancier Ave, Killeen · 50 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (254) 634-1184

Every agency in McLennan County All counseling agencies in Texas

Help in Spanish near Bellmead

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bellmead

In HUD’s record, no housing authority with an office in McLennan County is named for Bellmead or McLennan County.

4 other authorities have an office in McLennan County: see the list Source: HUD

Cities

Other cities in McLennan County

These cities are also in McLennan County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about McLennan County Housing in Texas

Nearby cities

The cities closest to Bellmead, with the typical home value.

Neighboring counties

If McLennan County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bellmead.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Bellmead

Short answers with the numbers for Bellmead and all of McLennan County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Bellmead?

The typical home value in Bellmead is $155,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McLennan County it is $243,600.

How much does it cost to rent in Bellmead?

Typical rent in Bellmead is $1,107 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McLennan County is $1,297.

What is the FHA loan limit in Bellmead?

Bellmead uses the FHA limit for all of McLennan County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Bellmead?

The typical homeowner in Bellmead pays $1,710 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in McLennan County, the rate is 1.42%.

Where can I find free help to buy or rent in Bellmead?

There are 2 HUD-approved counseling agencies with an office in McLennan County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).