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Bells town, TX

ZIP 75414 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75414

Median Home Value
$223,100
Median Rent
$592
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,433/mo PITI).

8%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

31.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 75414 in Bells town, TX, a household would need roughly $61,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,433. That sits below the local median household income ($84,685), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.3%+23% vs US avg
x
Vacancy Rate
12.8%+24% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
1.2%-90% vs US avg
x
Built Post-2014
2.3%-66% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
54.8%+43% vs US avg
x
$223,100
Home Value
$592
Rent
1986
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.4%
  • 1-unit attached0.9%
  • 2-9 units6.7%
  • 10+ units0.6%
  • Mobile home & other11.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$223,100
Median rent$592
Owner-occupied80.3%
Vacant12.8%
Price-to-income2.6x
Est. income to buy$61,000