Bullard, Texas.
Typical home $372,422 (-0.9% in a year), asking rent $1,731 . Jacksonville, TX metro.
to buy the typical home at today's mortgage rate — +$1,012 (+107%) since Jan 2020.
- 1 year
- Down $3,389 -1%
- $375,811$372,422 since Sep 2025
- 5 years
- Up $59,470 +19%
- $312,952$372,422 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.
- Bullard$1,955
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Bullard, TX fell 0.9% over the past year — slower than the nation's +1.2%.
Living in Bullard, Cherokee County, Texas
Bullard is a town of 3,318 people in Cherokee County. Half its households earn more than $118,860 a year and half less, against $61,261 across Cherokee County; 6% of its people live below the poverty line. 86% of its homes are lived in by their owners and 14% are rented. Unemployment in Cherokee County was 4.7% in August 2026, and the county had 0.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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 It can be wrong or out of date.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. Bullard is a small town where the people are younger than in much of the country, and most households own the homes they live in. Incomes here run well above the county's, and fewer people live below the poverty line than you might expect. Many adults hold a four-year degree, and typical home values and rents sit on the higher side.
Work. Residents work mostly in schools, hospitals and social care, in shops, in professional and business services, and in government. Across Cherokee County, some of the largest workplaces are Bullard ISD, Jacksonville ISD and Rusk State Hospital. The commute is a fairly long one, and only a small share of people work from home.
Things to do. Lake Palestine, a reservoir a short drive away, is the closest place for time on the water, and Lake Tyler, another reservoir, is also a short drive off. A longer drive brings you to Caldwell Zoo and to Tyler State Park, a protected area. Winters are mild and summers are hot, with a fair amount of rain through the year.
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- 1,538households
- 42%of adults have a degree
- 6%below the poverty line
- 31 mintypical commute
- 7%work from home
What residents work in
Employed residents by industry, from the Census survey. Cherokee County had 14,947 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 58° and lows near 38°; warmest in August, with highs near 94° and lows near 73°. About 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Tyler weather station, 11 miles away (NOAA).
Largest workplaces in Cherokee County
- Helmerich & Payne, Inc.Drilling oil and gas wells1,381
- Rusk State HospitalPsychiatric hospital942FTE
- Jacksonville ISDSchool district829FTE
- Altman Specialty PlantsFlorist's supplies merchant wholesalers437
- Bullard ISDSchool district435FTE
- Allied Truss Texas JacksonvilleTrusses, wood roof or floor, manufacturing425
- Rusk ISDSchool district344FTE
- Beall SGeneral warehousing and storage342
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 46 workplaces with 20 or more staff, 6,085 people in all across the county; Bullard has two of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (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
- Heat wavesRelatively high
- LightningRelatively high
- Cold wavesRelatively moderate
- Strong windRelatively moderate
- Ice stormsRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bullard’s census tracts, against the rest of the country; all of them together, relatively low. 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 Cherokee County and the Jacksonville, TX metro.
Bullard home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bullard$372,422
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Bullard listings, and the typical home goes pending in 77 days — the market is roughly in balance.
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.
- Bullard23.24%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Bullard77
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bullard185
New listings per month
Sellers arriving at the market.
- Bullard29
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Bullard$396,222
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Bullard96.25%
Zip codes with a Bullard address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bullard — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.