Average Tax Assessment in Bell County
Real Estate Values and Property Tax Valuation in Bell County, Texas
Bell County has a total of 111,935 properties, with a cumulative value of $19.3B, representing 0.91% of all real estate value in Texas. Property taxes in Bell County amount to $367.2M, with an average property tax rate of 1.90%, higher than the state average of 1.69%. The average homeowner in Bell County pays $3,284 in property taxes, lower than the state average of $4,015. Property taxes are typically based on the assessed value of the property, which is usually lower than the market value.
The property tax timeline in Texas begins on January 1st, when the property valuation date is set. Property value notices are issued between April and May, and the property tax appeal deadline is May 15th or 30 days after the notices are issued. The real property tax bill is due on January 31st for the preceding year's gross tax bills.
Updated November 01, 2023
| Important Links | |
|---|---|
| Bell Appraisal District | (254) 939-5841 |
| TexasFile Clerk Records | - |
| Bell County Clerk | (606) 337-6143 |
| Bell Sheriff/Tax Collector | (606) 337-3102 |
| Important Dates | |
|---|---|
| Real Property Tax Bill Due (1st of #): | January 31st, Gross tax bills for preceding year |
| Property Valuation Date: | January 1st |
| Property Value Notices Issued: | April - May |
| Property Tax Appeal Deadline: | May 15th or 30 days after notices are issued |
| Property Tax Bills Issued: | October 1st |
| Available Exemptions | |
|---|---|
| Early Payment Discount | |
| Senior | Available |
| Disabled | Available |
| Homestead | Available |
| Veteran | Available |
| Solar/Wind | Available |
| Charitable | Available |
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Real Estate Statistics in Bell County
Residential Property Taxes by Cities in Bell County
Bell County has an average property tax rate of 1.90%, which is slightly lower than the state average of 2.06%. This rate is applied to the assessed value of a property to calculate the amount of taxes due. Property taxes in Bell County are collected by the county and distributed to the cities and school districts within the county.
Property tax rates vary across the cities in Bell County. Temple has the highest effective property tax rate at 2.%, while Kempner has the lowest effective property tax rate at 0.63%. The average property tax bill in Bell County is $3,284, which is slightly lower than the state average of $3,521. Property taxes are an important source of revenue for the county and its cities, and the rates are set to ensure that the county can provide necessary services to its citizens.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in Bell County. The tax assessment value may differ from the potential sale value, and is used to calculate the property tax for each piece of real estate.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bartlett | $16,869 | $43,289 | $79,578 | $116,101 | $155,075 |
| Belton | $24,261 | $99,065 | $187,845 | $286,930 | $423,943 |
| Harker Heights | $11,000 | $136,441 | $205,064 | $257,116 | $322,819 |
| Holland | $15,511 | $44,251 | $102,432 | $165,571 | $249,521 |
| Kempner | $175,080 | $200,431 | $227,350 | $263,218 | $312,715 |
| Killeen | $63,525 | $112,493 | $145,901 | $193,538 | $245,000 |
| Little River Academy | $16,088 | $80,726 | $134,264 | $175,414 | $242,034 |
| Moody | $11,240 | $30,106 | $78,536 | $154,352 | $220,412 |
| Nolanville | $6,058 | $31,122 | $168,247 | $262,032 | $385,335 |
| Rogers | $7,446 | $21,257 | $49,460 | $109,188 | $221,381 |
| Salado | $84,111 | $223,684 | $333,218 | $438,914 | $581,130 |
| Temple | $47,409 | $100,878 | $162,413 | $209,243 | $274,871 |
| Troy | $23,687 | $51,304 | $123,216 | $179,262 | $248,272 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in Bell County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bartlett | $266 | $504 | $1,350 | $2,135 | $2,808 |
| Belton | $261 | $1,347 | $3,290 | $5,586 | $8,015 |
| Harker Heights | $124 | $2,026 | $4,087 | $5,310 | $6,776 |
| Holland | $202 | $415 | $1,286 | $2,356 | $3,384 |
| Kempner | $520 | $832 | $1,067 | $1,420 | $3,627 |
| Killeen | $752 | $1,874 | $2,976 | $4,029 | $5,175 |
| Little River Academy | $177 | $1,093 | $2,329 | $3,527 | $4,467 |
| Moody | $66 | $196 | $572 | $1,505 | $2,557 |
| Nolanville | $115 | $440 | $2,972 | $4,375 | $7,479 |
| Rogers | $100 | $233 | $686 | $1,740 | $3,089 |
| Salado | $813 | $2,815 | $5,196 | $7,212 | $9,622 |
| Temple | $579 | $1,622 | $3,194 | $4,644 | $5,999 |
| Troy | $207 | $621 | $1,827 | $3,250 | $4,229 |
Effective Property Tax Rate
The effective property tax rate is calculated by dividing the property tax bill by the assessed value. For the percentiles below, the calculation is performed using the percentiles for property tax bill and assessed value above. Therefore, each consecutive percentile doesn't necessarily show a larger value.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bartlett | 1.58% | 1.16% | 1.70% | 1.84% | 1.81% |
| Belton | 1.08% | 1.36% | 1.75% | 1.95% | 1.89% |
| Harker Heights | 1.13% | 1.48% | 1.99% | 2.07% | 2.10% |
| Holland | 1.30% | 0.94% | 1.26% | 1.42% | 1.36% |
| Kempner | 0.30% | 0.42% | 0.47% | 0.54% | 1.16% |
| Killeen | 1.18% | 1.67% | 2.04% | 2.08% | 2.11% |
| Little River Academy | 1.10% | 1.35% | 1.73% | 2.01% | 1.85% |
| Moody | 0.59% | 0.65% | 0.73% | 0.98% | 1.16% |
| Nolanville | 1.90% | 1.41% | 1.77% | 1.67% | 1.94% |
| Rogers | 1.34% | 1.10% | 1.39% | 1.59% | 1.40% |
| Salado | 0.97% | 1.26% | 1.56% | 1.64% | 1.66% |
| Temple | 1.22% | 1.61% | 1.97% | 2.22% | 2.18% |
| Troy | 0.87% | 1.21% | 1.48% | 1.81% | 1.70% |
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Real Estate Values in Bell County
The median home price in Bell County, Texas has decreased by 1.88% from October 2022 to October 2023, from $270.6K to $265.5K. This decrease in home prices is likely due to an increase in home inventory, which has risen from 1.4K in October 2022 to 1.7K in October 2023. This suggests that there is an increased supply of homes in the area, which is likely driving down prices. Overall, the trend in home prices in Bell County appears to be decreasing.
Average Home Value in Bell County, Texas
Last updated: November 2023
Percent Change in Total Home Sales in Bell County
Last updated: November 2023
Percent Change in New Home Listings in Bell County
Last updated: November 2023
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Mortgage Rates in Bell County
Mortgages in Bell County are a major part of the local economy, with a total outstanding loan amount of $9.3 billion. This represents a significant portion of the total home value in the county, indicating that mortgages are an important factor in the local housing market. Furthermore, there are over 55,800 outstanding loans in Bell County, showing that mortgages are a popular form of financing for homeowners in the area.
The median mortgage rate in Bell County varies across cities, with Moody having the highest rate at 4.17% and Salado having the lowest rate at 3.87%. This indicates that there is a significant variation in mortgage rates across the county, which can have a major impact on the affordability of homes in the area. Overall, mortgages in Bell County are an important part of the local economy and can have a major impact on the housing market.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in Bell County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bartlett | $28,682 | $53,185 | $82,465 | $133,986 | $207,588 |
| Belton | $54,876 | $97,106 | $166,306 | $255,418 | $351,598 |
| Harker Heights | $73,356 | $123,486 | $177,730 | $242,125 | $301,421 |
| Holland | $19,811 | $40,076 | $89,622 | $156,664 | $243,538 |
| Kempner | $76,532 | $113,536 | $158,256 | $224,461 | $316,390 |
| Killeen | $49,493 | $84,175 | $128,471 | $179,685 | $236,463 |
| Little River Academy | $39,550 | $70,266 | $109,556 | $158,747 | $228,744 |
| Moody | $33,715 | $57,636 | $83,806 | $124,061 | $187,190 |
| Nolanville | $67,011 | $105,190 | $165,000 | $269,213 | $372,318 |
| Rogers | $12,519 | $36,891 | $77,305 | $130,483 | $197,124 |
| Salado | $82,525 | $147,495 | $237,670 | $331,782 | $432,315 |
| Temple | $47,200 | $85,194 | $134,625 | $187,007 | $248,488 |
| Troy | $33,597 | $66,086 | $107,346 | $160,179 | $226,793 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across Bell County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bartlett | 3.06% | 3.75% | 4.16% | 4.75% | 6.23% |
| Belton | 2.90% | 3.40% | 3.94% | 4.53% | 5.99% |
| Harker Heights | 2.90% | 3.34% | 3.93% | 4.60% | 6.16% |
| Holland | 2.90% | 3.56% | 4.08% | 4.90% | 5.95% |
| Kempner | 2.90% | 3.30% | 3.92% | 4.72% | 6.39% |
| Killeen | 2.90% | 3.37% | 3.97% | 4.75% | 6.16% |
| Little River Academy | 2.90% | 3.50% | 4.00% | 4.82% | 6.24% |
| Moody | 3.08% | 3.58% | 4.17% | 4.99% | 6.16% |
| Nolanville | 2.90% | 3.20% | 3.92% | 4.50% | 5.95% |
| Rogers | 2.90% | 3.43% | 4.14% | 5.01% | 6.31% |
| Salado | 2.80% | 3.20% | 3.87% | 4.41% | 5.25% |
| Temple | 2.90% | 3.30% | 3.93% | 4.60% | 6.05% |
| Troy | 2.90% | 3.50% | 3.97% | 4.62% | 5.86% |
Housing Expenses in Bell County, Texas
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