In Belton, a typical home is worth $258,700 and typical rent is $1,252 a month. Compared with all of Bell County, typical household income is 14% lower and the typical home value is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $287,991 to $311,931.
Typical rent
$1,557a month
▼ 0.7% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,419 to $1,557.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Belton is in Bell 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 Bell County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Killeen, the typical home value is $215,400: 17% less than in Belton ($258,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Belton
What homes there are in Belton, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Belton
Bell County
Texas
United States
Kind of home: Belton and its comparisons
Measure
Belton
Bell County
Texas
United States
Detached house
61%
65%
64%
61%
Attached house
3%
4%
3%
6%
Building of 2 to 4
9%
11%
5%
8%
Apartments (5 or more)
23%
14%
21%
19%
Mobile home
4%
6%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house is still the most common home in Belton, but it weighs less than in Bell County: 61% against 65%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Belton
Bell County
Texas
United States
Year built: Belton and its comparisons
Measure
Belton
Bell County
Texas
United States
Before 1960
17%
8%
12%
26%
1960–1979
21%
20%
21%
24%
1980–1999
19%
28%
28%
25%
2000–2009
13%
19%
18%
14%
2010 or later
30%
25%
21%
11%
In Belton, half of the homes were built before 1994; in Bell County, before 1996.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K11%
$100K–$200K24%
$200K–$300K25%
$300K–$500K29%
$500K–$750K6%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Belton and its comparisons
Measure
Belton
Under $100K
11%
$100K–$200K
24%
$200K–$300K
25%
$300K–$500K
29%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Bell County is $541,287, and about 90% of owner-occupied homes in Belton are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99920%
$1,000–$1,49945%
$1,500–$1,99923%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Belton and its comparisons
Measure
Belton
Under $500
Unreliable estimate
$500–$999
20%
$1,000–$1,499
45%
$1,500–$1,999
23%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,832 a month
Bell County: $1,722 a month
Without a mortgage
$614 a month
Bell County: $609 a month
Owners with a mortgage
61%
Bell County: 63%
The typical cost for an owner with a mortgage in Belton is $1,832 a month, more than in Bell County ($1,722); without one, $614.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Belton+63%
Bell County+63%
Texas+65%
United States+53%
Typical rent
Belton+36%
Bell County+32%
Texas+34%
United States+33%
Typical household income
BeltonNo clear change
Bell County+26%
Texas+27%
United States+29%
Change since 2015–2019: Belton and its comparisons
Measure
Belton
Bell County
Texas
United States
Typical home value
+63%
+63%
+65%
+53%
Typical rent
+36%
+32%
+34%
+33%
Typical household income
No clear change
+26%
+27%
+29%
The typical home value in Belton rose 63% since 2015–2019, about the same as in Bell County (63%).
Rents in Belton rose faster than in Bell County: 36% since 2015–2019, against 32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Belton and its comparisons
Measure
Belton
Bell County
Texas
United States
Rental vacancy
Unreliable estimate
5.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.1%
0.9%
More than one person per room
Unreliable estimate
4.2%
4.8%
3.4%
People per household
2.56
2.65
2.69
2.53
Drive alone
77%
76%
71%
69%
Carpool
8%
11%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
4%
2%
2%
3%
Work from home
11%
9%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Belton look like those in Bell County: 2.56 people on average.
To get to work, 77% of workers in Belton drive alone; in Bell County, 76%.
Do the math
What would you pay each month for a home in Belton?
A typical home costs more than the typical income allows
We start with a typical home in Belton, worth $258,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Belton, which is $59,130 a year. For that payment to be 28% of income, a household would need to earn about $97,684 a year.
The calculator's FHA and conventional loan limits are those of all of Bell County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Belton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,055 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,279
at 7.18% · 30 years
Loan amount
$254,014
Total interest
$365,466
Paid off in
November 2056
Includes $4,369 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,380 a month
Tight
$1,380 to $1,774 a month
Hard
more than $1,774 a month
Your payment · 46%
Compared with the typical household income in Belton ($59,130 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,721
Property tax
$336
Home insurance
$108
FHA mortgage insurance (MIP)
$114
You need at least $9,055 for the down payment, plus closing costs.
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.
Total monthly payment $2,279; principal and interest $1,721.
The city and its county
Belton and Bell County
Belton is in Bell 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).
Belton
Map of Bell County, Texas, with Belton marked. Around it, the neighboring counties.
Belton
Bell County
Other cities with a page
Belton's own numbers
Typical home value
$258,700
Typical monthly rent
$1,252
Typical yearly household income
$59,130
Households that own their home
56%
Effective property tax rate
1.56%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bell County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,138
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.1%
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 Bell County.
A typical home in Belton is worth $258,700: 7% above the county and 9% below Texas. With the typical household income in Belton ($59,130 a year), a typical home costs 4.4 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.
Belton4.4 years
Bell3.5 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Bell County
According to FHFA’s house price index, home prices in Bell County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Bell County.
Yearly change in FHFA’s price index in Bell County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +4.3% +4.3% 2017
2018: +5.9% +5.9% 2018
2019: +6.6% +6.6% 2019
2020: +4.9% +4.9% 2020
2021: +17.1% +17.1% 2021
2022: +22.7% +22.7% 2022
2023: +4.1% +4.1% 2023
2024: +1.9% +1.9% 2024
2025: −2.1% −2.1% 2025
Change in FHFA’s price index in Bell County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−2.1%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+92%
+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
Belton next to Bell 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
Belton$258,700
Bell$241,000
Texas$283,800
United States$332,700
Typical monthly rent
Belton$1,252
Bell$1,224
Texas$1,403
United States$1,413
Typical yearly household income
Belton$59,130
Bell$68,865
Texas$78,476
United States$80,734
See the full table
Belton next to Bell County and Texas
Measure
Belton
Bell County
Texas
U.S.
Typical home value
$258,700 ▲7% above the county
$241,000
$283,800
$332,700
Typical monthly rent
$1,252 ▲2% above the county
$1,224
$1,403
$1,413
Typical yearly household income
$59,130 ▼14% below the county
$68,865
$78,476
$80,734
Households that own their home
56% ▼1 points below the county
57%
63%
65%
Typical yearly property tax
$4,038 ▲16% above the county
$3,476
$4,232
$3,119
Effective property tax rate
1.56% ▲0.12 points above the county
1.44%
1.49%
0.94%
Renters with high rent for their income
63% ▲12 points above the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bell 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 Belton
For a typical $258,700 home in Belton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Belton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,279a month
Least cash to close
Down payment
$9,055
Cash to close
$16,816
Rate
7.18%
Mortgage insurance
FHA MIP · $114
Conventional, 5% down$2,232a month
Down payment
$12,935
Cash to close
$20,696
Rate
7.18%
Mortgage insurance
PMI · $123
Conventional, 20% down, no PMI$1,846a month
Down payment
$51,740
Cash to close
$59,501
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,085a month
Down payment
$38,805
Cash to close
$46,566
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Belton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,279
$9,055
$254,014
7.18%
FHA MIP · $114
$16,816
580
Conventional, 5% down
$2,232
$12,935
$245,765
7.18%
PMI · $123
$20,696
620*
Conventional, 20% down, no PMI
$1,846
$51,740
$206,960
7.18%
None
$59,501
620*
ITIN, 15% down (example)
$2,085
$38,805
$219,895
8.18%
None
$46,566
Set by the lender
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.
Typical rent in Belton is $1,252 a month: 2% above the county. In Belton, 63% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Bell County, by unit size. To pay the 2-bedroom one ($1,138 a month) without spending more than 30% of your income, you would need to earn $21.88 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Bell County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$921
$17.71
$36,840
1 bedroom
$927
$17.83
$37,080
2 bedrooms
$1,138
$21.88
$45,520
3 bedrooms
$1,576
$30.31
$63,040
4 bedrooms
$1,902
$36.58
$76,080
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 Belton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Belton is in ZIP code 76513.
For 2 bedrooms it is $1,210: $72 more than the fair market rent for Bell County ($1,138).
Fair market rent by ZIP code and size in Belton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76513
$980
$990
$1,210
$1,680
$2,020
ZIP code2 bd3 bd
76513 $1,210$1,680
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Belton 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Belton. These are the largest.
Belle Oaks800 Shady Ln, Belton 76513202 homes, 181 low-income · For families(254) 939-1841
Charrs Acres703 S Sparks St, Belton 76513100 low-income homes · Run by Housing Authority of Belton · Average payment: $425 a month · Average wait: 8 months(254) 939-5321
Unnamed748 W Avenue H, Belton 7651356 low-income homes · Run by Housing Authority of Belton · Average payment: $417 a month · Average wait: 9 months(254) 939-5321
Chisholm Trail Senior Village1003 W Mlk Jr Ave, Belton 7651360 homes, 54 low-income · 1 bd: 40 · 2 bd: 20 · In service since 2006 · For older adults
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 is 1 HUD-approved agency with an office in Bell County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Belton or Bell County. The ones below are statewide in Texas: they work in Belton the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Belton or Bell County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Belton and all of Bell 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 Belton?
The typical home value in Belton is $258,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bell County it is $241,000.
How much does it cost to rent in Belton?
Typical rent in Belton is $1,252 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bell County is $1,138.
What is the FHA loan limit in Belton?
Belton uses the FHA limit for all of Bell 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 Belton?
The typical homeowner in Belton pays $4,038 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Bell County, the rate is 1.44%.
Where can I find free help to buy or rent in Belton?
There is 1 HUD-approved counseling agency with an office in Bell County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
