In Killeen, a typical home is worth $215,400 and typical rent is $1,208 a month. Compared with all of Bell County, typical household income is 11% lower, the typical home value is 11% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $187,463 to $217,130.
Typical rent
$1,259a month
▼ 0.7% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,141 to $1,259.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Killeen 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 Copperas Cove, the typical home value is $180,500: 16% less than in Killeen ($215,400).
2
49% of households in Killeen own their home, against 57% in Bell County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Killeen
What homes there are in Killeen, 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
Killeen
Bell County
Texas
United States
Kind of home: Killeen and its comparisons
Measure
Killeen
Bell County
Texas
United States
Detached house
61%
65%
64%
61%
Attached house
4%
4%
3%
6%
Building of 2 to 4
16%
11%
5%
8%
Apartments (5 or more)
15%
14%
21%
19%
Mobile home
4%
6%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Killeen, 6 in 10 homes are single-family detached houses; in Bell County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Killeen
Bell County
Texas
United States
Year built: Killeen and its comparisons
Measure
Killeen
Bell County
Texas
United States
Before 1960
5%
8%
12%
26%
1960–1979
20%
20%
21%
24%
1980–1999
33%
28%
28%
25%
2000–2009
21%
19%
18%
14%
2010 or later
22%
25%
21%
11%
The typical year built in Killeen is 1996, about the same as in Bell County (1996).
By size, homes in Killeen look like those in Bell County: 67% have 3 bedrooms or more.
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–$200K33%
$200K–$300K37%
$300K–$500K17%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Killeen and its comparisons
Measure
Killeen
Under $100K
11%
$100K–$200K
33%
$200K–$300K
37%
$300K–$500K
17%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
By price, most homes in Killeen sit under the FHA limit for Bell County ($541,287): about 98%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5001%
$500–$99929%
$1,000–$1,49942%
HUD fair market rent, 2 bedrooms: $1,138
$1,500–$1,99923%
$2,000–$2,4994%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Killeen and its comparisons
Measure
Killeen
Under $500
1%
$500–$999
29%
$1,000–$1,499
42%
$1,500–$1,999
23%
$2,000–$2,499
4%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 42% of rented homes in Killeen cost less than HUD's 2-bedroom fair market rent for Bell County ($1,138); the rest cost more.
With a mortgage
$1,559 a month
Bell County: $1,722 a month
Without a mortgage
$560 a month
Bell County: $609 a month
Owners with a mortgage
66%
Bell County: 63%
The typical cost for an owner with a mortgage in Killeen is $1,559 a month, less than in Bell County ($1,722); without one, $560.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Killeen+71%
Bell County+63%
Texas+65%
United States+53%
Typical rent
Killeen+31%
Bell County+32%
Texas+34%
United States+33%
Typical household income
Killeen+23%
Bell County+26%
Texas+27%
United States+29%
Change since 2015–2019: Killeen and its comparisons
Measure
Killeen
Bell County
Texas
United States
Typical home value
+71%
+63%
+65%
+53%
Typical rent
+31%
+32%
+34%
+33%
Typical household income
+23%
+26%
+27%
+29%
The typical home value in Killeen rose 71% since 2015–2019, more than in Bell County (63%).
Much as in Bell County, the typical rent in Killeen rose 31% since 2015–2019.
The typical household income in Killeen rose 23%: less than home values (+71%) and rent (+31%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Killeen and its comparisons
Measure
Killeen
Bell County
Texas
United States
Rental vacancy
6.8%
5.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.1%
0.9%
More than one person per room
5.5%
4.2%
4.8%
3.4%
People per household
2.64
2.65
2.69
2.53
Drive alone
78%
76%
71%
69%
Carpool
11%
11%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
1%
2%
2%
3%
Work from home
8%
9%
14%
15%
Other means
1%
1%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Killeen is 6.8%, higher than in Bell County (5.8%).
More than one person per room: that is how 5.5% of households in Killeen live, more than in Bell County (4.2%).
By size, households in Killeen look like those in Bell County: 2.64 people on average.
In Killeen, 78% of workers drive alone to work; in Bell County, 76%.
Do the math
What would you pay each month for a home in Killeen?
A typical home costs more than the typical income allows
We start with a typical home in Killeen, worth $215,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Killeen, which is $60,977 a year. For that payment to be 28% of income, a household would need to earn about $81,027 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 Killeen. 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 $7,539 (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
$1,891
at 7.18% · 30 years
Loan amount
$211,499
Total interest
$304,297
Paid off in
November 2056
Includes $3,638 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,423 a month
Tight
$1,423 to $1,829 a month
Hard
more than $1,829 a month
Your payment · 37%
Compared with the typical household income in Killeen ($60,977 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,433
Property tax
$273
Home insurance
$90
FHA mortgage insurance (MIP)
$95
You need at least $7,539 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 $1,891; principal and interest $1,433.
The city and its county
Killeen and Bell County
Killeen 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).
Killeen
Map of Bell County, Texas, with Killeen marked. Around it, the neighboring counties.
Killeen
Bell County
Other cities with a page
Killeen's own numbers
Typical home value
$215,400
Typical monthly rent
$1,208
Typical yearly household income
$60,977
Households that own their home
49%
Effective property tax rate
1.52%
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 Killeen is worth $215,400: 11% below the county and 24% below Texas. With the typical household income in Killeen ($60,977 a year), a typical home costs 3.5 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.
Killeen3.5 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
Killeen 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
Killeen$215,400
Bell$241,000
Texas$283,800
United States$332,700
Typical monthly rent
Killeen$1,208
Bell$1,224
Texas$1,403
United States$1,413
Typical yearly household income
Killeen$60,977
Bell$68,865
Texas$78,476
United States$80,734
See the full table
Killeen next to Bell County and Texas
Measure
Killeen
Bell County
Texas
U.S.
Typical home value
$215,400 ▼11% below the county
$241,000
$283,800
$332,700
Typical monthly rent
$1,208
$1,224
$1,403
$1,413
Typical yearly household income
$60,977 ▼11% below the county
$68,865
$78,476
$80,734
Households that own their home
49% ▼7 points below the county
57%
63%
65%
Typical yearly property tax
$3,275 ▼6% below the county
$3,476
$4,232
$3,119
Effective property tax rate
1.52% ▲0.08 points above the county
1.44%
1.49%
0.94%
Renters with high rent for their income
53% ▲2 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 Killeen
For a typical $215,400 home in Killeen, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Killeen's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,891a month
Least cash to close
Down payment
$7,539
Cash to close
$14,001
Rate
7.18%
Mortgage insurance
FHA MIP · $95
Conventional, 5% down$1,851a month
Down payment
$10,770
Cash to close
$17,232
Rate
7.18%
Mortgage insurance
PMI · $102
Conventional, 20% down, no PMI$1,530a month
Down payment
$43,080
Cash to close
$49,542
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,729a month
Down payment
$32,310
Cash to close
$38,772
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Killeen
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,891
$7,539
$211,499
7.18%
FHA MIP · $95
$14,001
580
Conventional, 5% down
$1,851
$10,770
$204,630
7.18%
PMI · $102
$17,232
620*
Conventional, 20% down, no PMI
$1,530
$43,080
$172,320
7.18%
None
$49,542
620*
ITIN, 15% down (example)
$1,729
$32,310
$183,090
8.18%
None
$38,772
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 Killeen is $1,208 a month: about the same as the county. In Killeen, 53% 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 Killeen
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Killeen has 4 ZIP codes with their own.
For 2 bedrooms it runs from $1,110 in 76541 to $1,250 in 76549.
2 of the 4 are above the fair market rent for Bell County ($1,138).
2-bedroom fair market rent in each of the 4 ZIP codes of Killeen, beside the one for Bell County. For 2 bedrooms it runs from $1,110 in 76541 to $1,250 in 76549. 2 of the 4 are above the fair market rent for Bell County ($1,138).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,138
Lowest: $1,110 (76541)Highest: $1,250 (76549)
Fair market rent by ZIP code and size in Killeen, fiscal year 2027.
76541
$890
$900
$1,110
$1,540
$1,870
76542
$1,000
$1,000
$1,230
$1,710
$2,060
76543
$890
$900
$1,110
$1,540
$1,870
76549
$1,010
$1,020
$1,250
$1,730
$2,090
ZIP code2 bd3 bd
76541 $1,110$1,540
76542 $1,230$1,710
76543 $1,110$1,540
76549 $1,250$1,730
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Killeen 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 9 buildings with rents for lower incomes in Killeen. These are the largest.
Stone Ranch Apt Homes4401 E Rancier Ave, Killeen 76543152 homes, 129 low-income · 1 bd: 72 · 2 bd: 80 · In service since 2005 · For older adults
Village at Fox Creek2900 Illinois Ave, Killeen 76543128 low-income homes · 2 bd: 80 · 3 bd: 48 · In service since 1999
Tremont Apts1700 Bacon Ranch Rd, Killeen 76542112 low-income homes
Villas at RobinettSec of Robinett RD. and W. Elms RD., Killeen 76549104 homes, 91 low-income · For older adults, people with disabilities, families, people experiencing homelessness
Westwind of KilleenNWC of Trimmier at E Stan Schlueter Loop (fm 3470), Killeen 76542110 homes, 88 low-income · For older adults, people with disabilities, families, people experiencing homelessness
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 Killeen or Bell County. The ones below are statewide in Texas: they work in Killeen 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 Killeen 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 Killeen 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 Killeen?
The typical home value in Killeen is $215,400, 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 Killeen?
Typical rent in Killeen is $1,208 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 Killeen?
Killeen 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 Killeen?
The typical homeowner in Killeen pays $3,275 a year, according to the U.S. Census Bureau. That is 1.52% of the home’s value; in Bell County, the rate is 1.44%.
Where can I find free help to buy or rent in Killeen?
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.
