Bells, Texas.
Typical home $357,905 (-1.8% in a year). Sherman-Denison, TX metro.
to buy the typical home at today's mortgage rate — +$1,031 (+122%) since Jan 2020.
- 1 year
- Down $6,596 -2%
- $364,501$357,905 since Sep 2025
- 5 years
- Up $52,675 +17%
- $305,229$357,905 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Bells$1,879
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Bells, TX fell 1.8% over the past year — slower than the nation's +1.2%.
Living in Bells, Grayson County, Texas
Bells is a town of 1,521 people in Grayson County. Half its households earn more than $92,075 a year and half less, against $72,182 across Grayson County; 12% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Grayson County was 4.4% in August 2026, and the county had 1.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Bells is a small town in Grayson County, home to a younger population than most of the country, with households that earn more than the county's typical household. Most homes are lived in by their owners, and a typical home here costs more than many people might expect for a small North Texas town. Winters are cool, with a little snow in some years, and summers run hot, with a fair amount of rain through the year.
Work. Many residents work in schools, hospitals and social care, with manufacturing, shops and government also employing a good number. Across Grayson County, some of the largest workplaces are Texoma Medical Center, Tyson Fresh Meats and Sherman ISD. Commutes are fairly long, and some people work from home.
Things to do. Lake Texoma, a large reservoir, is the best known place nearby, and it is a longer drive away. The Eisenhower Birthplace State Historic Site is a museum, also a longer drive away, and Bonham State Park is a protected area for time outdoors, again a longer drive from town.
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- 847households
- 24%of adults have a degree
- 12%below the poverty line
- 30 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Grayson County had 52,998 jobs in 2025, 1.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 53° and lows near 33°; warmest in August, with highs near 94° and lows near 72°. About 1 inches of snow and 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Bonham 3NNE weather station, 14 miles away (NOAA).
Largest workplaces in Grayson County
- Texoma Medical CenterGeneral hospital1,899FTE
- Tyson Fresh MeatsMeat processed from carcasses1,845
- Sherman ISDSchool district1,199FTE
- Ruiz Foods ProductMexican foods, frozen, manufacturing980
- Denison ISDSchool district631FTE
- Texas InstrumentsSemiconductor devices manufacturing608
- Grayson CollegeUniversity or college607
- WalmartRefrigerated warehousing and storage442
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 113 workplaces with 20 or more staff, 15,802 people in all across the county; Bells has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Ice stormsRelatively high
- TornadoesRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
- WildfireRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bells’ census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Grayson County and the Sherman-Denison, TX metro.
Bells home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bells$357,905
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Bells listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Bells28.54%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bells25
Zip codes with a Bells address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bells — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.