76559 — Bell County, Texas Market Snapshot
Housing market data for zip code 76559 in Bell County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
53 sales in 2026 (year to date)
Median Sale Price
$332,825
Days to Sell
80
Homes Sold
53
Inventory
67
Sale-to-List
99.3%
New Listings
64
Price/SqFt
$172
Pending Sales
72
Conforming Loan Available
Most homebuyers in 76559 can comfortably use conventional financing. The median home price of $332,825 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 80 days on average, 76559 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 76559 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 76559 can comfortably use conventional financing. The median home price of $332,825 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 76559 are set at the county level.
2026 Loan Limits — Bell County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 76559
To purchase the median home at $332,825 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,700.
Monthly Payment
$2,700
Income Required
$115,714
Principal & Interest
$2,051/mo
Down Payment (5%)
$16,641
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 76559.
Estimated Monthly Payment
$2,210
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