Killeen, Texas.
Typical home $217,130 (-1.2% in a year), asking rent $1,259 (-0.7%). Killeen-Temple, TX metro.
to buy the typical home at today's mortgage rate — +$615 (+117%) since Jan 2020.
- 1 year
- Down $2,541 -1%
- $219,671$217,130 since Sep 2025
- 5 years
- Up $29,667 +16%
- $187,463$217,130 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.
- Killeen$1,140
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 24 years.
Typical home values in Killeen, TX fell 1.2% over the past year — slower than the nation's +1.2%.
Asking rents in Killeen, TX fell 0.7% over the past year — slower than the nation's +2.7%.
Owning the typical home in Killeen runs $374/mo more than renting one. The gap peaked at $514 in Oct 2023.
That is $1,633 a month against $1,259 rent: a $1,140 mortgage payment, plus $261 property tax and $232 insurance & upkeep.
Owning vs renting — Killeen
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,633
- Renting$1,259
- Mortgage only$1,140
Property tax · $261/mo 1.44% of value a year — the ACS 2020-2024 median bill over the median home value for Bell County, TX
Insurance & upkeep · $232/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Killeen, Bell County, Texas
Killeen is a city of 153,095 people in Bell County. Half its households earn more than $60,977 a year and half less, against $68,865 across Bell County; 17% of its people live below the poverty line. 50% of its homes are lived in by their owners and 50% are rented. Unemployment in Killeen was 5.7% in August 2026, and Bell County had 0.7% 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. Killeen is a city in Bell County, Texas, and a large one by the standards of central Texas. Its residents are younger than in most American places, and renting is common, so many households stay for a few years rather than for decades. Household incomes run below the county's, and a good number of residents live below the poverty line. Winters are mild, summers are long and very hot, and snow is rare.
Work. Many residents work in schools, hospitals and social care, followed by shops, professional and business services, and restaurants, hotels and entertainment. Among the largest workplaces in Killeen are Killeen ISD, General Dynamics Land Systems and Walmart. Unemployment is about where it was a year ago, and the county as a whole has added a few more jobs over the past year. Commutes are of middling length, and few people work from home.
Things to do. Stillhouse Hollow Lake, a reservoir, is a short drive away and is the closest spot for time on the water. A longer drive brings you to Belton Lake, another reservoir, and to Mother Neff State Park, a protected area for walking and picnics. The Lampasas River, also a longer drive away, offers another stretch of open country.
Report a mistake
- 59,769households
- 22%of adults have a degree
- 17%below the poverty line
- 26 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Bell County had 130,527 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 60° and lows near 36°; warmest in August, with highs near 97° and lows near 73°. About 35 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Killeen weather station, 2 miles away (NOAA).
Largest workplaces in Killeen
- Killeen ISDSchool district6,251FTE
- General Dynamics Land SystemsTanks, military, manufacturing540
- WalmartWarehouse clubs and supercenters401
- Texas A&M University-Central TexasUniversity or college397
- H-E-BRetail359
- H-E-BRetail352
- WalmartWarehouse clubs and supercenters345
- S & B Engineers and ConstructorsConstruction management, oil refinery and petrochemical complex165
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 33 workplaces with 20 or more staff, 3,759 people in all. School districts come 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
- HailRelatively high
- TornadoesRelatively high
- LightningRelatively high
- Winter weatherRelatively high
- Cold wavesrelatively high in parts of KilleenRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Killeen’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 Bell County and the Killeen-Temple, TX metro.
Killeen home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Killeen$217,130
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Killeen listings, and the typical home goes pending in 44 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.
- Killeen23.77%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Killeen44
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Killeen813
New listings per month
Sellers arriving at the market.
- Killeen175
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Killeen$222,673
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Killeen98.48%
Zip codes with a Killeen address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Killeen — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Killeen
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 76549 | Killeen | 56,038 | $1,365 | $225,121 |
| 76542 | Killeen | 53,892 | $1,443 | $253,766 |
| 76543 | Killeen | 34,457 | $1,179 | $172,355 |
| 76541 | Killeen | 19,011 | $878 | $119,351 |