Belton, TX—76513
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Belton, TX
As of Oct '25, the median home price in Belton, TX is $306,000, with a year-over-year change of -3.3%. This indicates that home prices in Belton, TX are decreasing. According to Zillow, the 1-year price projection is 0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $306,000 | -3.3% |
| Single Family | $307,000 | -3.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $178,000 | -3.8% |
3 Bed | $274,000 | -2.8% |
4 Bed | $389,000 | -2.7% |
| 5 Bed | $486,000 | -4.3% |
% of Housing Stock
Rental Trends — Belton, TX
As of July '25, Rentcast reports the average rent in Belton, TX is $1,640, with a year-over-year rent change of -4.7%. Per bedroom, the median rent as of July '25 in Belton, TX is studios: $1,250, 1-bedrooms: $1,160, 2-bedrooms: $1,240, 3-bedrooms: $1,610, 4-bedrooms: $2,180. The most common rental property sizes in Belton, TX are 2-bedroom and 1-bedroom, accounting for 36.8% and 26.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,500 | $1,640 |
| Studio Rent | $1,200 | $1,250 |
| 1 Bed Rent | $1,300 | $1,160 |
| 2 Bed Rent | $1,340 | $1,240 |
| 3 Bed Rent | $1,500 | $1,610 |
| 4 Bed Rent | $2,050 | $2,180 |
% of Rental Stock
Property Listings — Belton, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Belton, TX is 89. This is a increase of 15.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 28.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $372,000 | -2.0% |
Listing Count | 374 | 29.0% |
| Listings as % of Homes | 1.2% | 29.0% |
Days on Market | 89 | 15.0% |
Demographics — Belton, TX
As of the latest ACS Survey released in 2023, Belton, TX has a population of 44,900, which has increased by 18.3% over the past 5 years. Belton, TX is a popular place for families, as children make up 25.5% of the population. The area has a moderately educated workforce, with 33.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 44,900 | 18.3% |
% Under 18 | 25.5% | -0.8% |
% Seniors | 13.7% | -6.8% |
% WFH | 10.0% | 156.4% |
% w/ College Degree | 33.3% | 9.9% |
As of the latest ACS Survey released in 2023, Belton, TX is a predominantly white area, with 62.3% of the population identifying as white. The white population has shrunk by 0.8% in the last 5 years. The second most common race or ethnicity in Belton, TX is hispanic, making up 24.1% of the population. Foreign-born residents account for 9.3% of the population in Belton, TX, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 62.3% | -0.8% |
% Black | 6.3% | -6.0% |
% Hispanic | 24.1% | -12.0% |
% Asian | 2.6% | 36.8% |
% Foreign Born | 9.3% | 0.0% |
Mortgage and Risk — Belton, TX
According to HUD data as of 2023, there were 1153 mortgage originations in Belton, TX, of which 53.0% of loans were conventional mortgages. The average loan-to-value was 79.0%, with 52.0% above 90% LTV (very high). This implies large mortgage risk in Belton, TX. Investor activity is low, as 2.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,153 |
% Conventional Loans | 53.0% |
% Government Loans | 47.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Belton, TX
As of 2024, the percent of homes in Belton, TX under the Section 8 program is 6.9%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Belton, TX, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 458 |
Total Units Section 8 | 299 |
% Rentals under Section 8 | 6.9% |
% Occupied Section 8 | 73.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$330 | $1,300 | $970 |
| 2 Bedroom | -$120 | $1,340 | $1,220 |
| 3 Bedroom | $200 | $1,500 | $1,700 |
| 4 Bedroom | $0 | $2,050 | $2,050 |
Affordability — Belton, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.9 |
| Median Home Price | $306,000 |
| Median Household Income | $82,400 |