Homes for Sale in Belton, TX
Belton has 320 active homes on the Central Texas MLS as of the July 2026 pull, at a median list price of $349,950 and a median 71 days on market — a market with real buyer leverage. Below is the honest breakdown: what homes cost by price band, which neighborhoods and builders are moving, the Belton Lake “waterfront” reality, the property-tax stack, and where the cheapest homes actually sit.
What do homes cost in Belton, TX right now?
As of the July 2026 CTXMLS pull, there are 320 active single-family homes for sale in Belton, priced from $94,900 to $1.75 million. The median list price is $349,950 (mean $455,562 — pulled up by lake and acreage estates), the median home is about 2,004 sq ft, and the median listing has sat 71 days on market. That much standing time — plus builder inventory carrying incentives — puts most price bands on the buyer’s side.
- Entry: 35 active homes under $250K (median $223,000, ~1,285 sq ft).
- Core: 73 homes at $250K–$300K and 93 at $300K–$400K — this is where most Belton buyers land.
- Upper / lake / acreage: 119 homes at $400K+ (median $649,900).
- New construction: ~92 builder-tagged active listings, median $329,900 (D.R. Horton, Carothers, Ashford, Stylecraft, Jubilee, Centex).
- Schools: most addresses are Belton ISD; edges fall into Academy or Salado ISD — verify at the parcel.
Source: Central Texas MLS (CTXMLS) active-listing pull, July 2026. Numbers move weekly — compare Temple inventory here.
What do homes cost in Belton by price band?
National portals show you a grid of listings. Here is the market truth underneath it — Belton’s 320 active homes split into four exclusive price bands, straight from the July 2026 MLS pull:
| Price band | Active homes | Median price | Median size | Median days on market |
|---|---|---|---|---|
| Under $250K | 35 | $223,000 | 1,285 sq ft | 48 |
| $250K – $299,999 | 73 | $280,000 | 1,685 sq ft | 47 |
| $300K – $399,999 | 93 | $345,000 | 1,976 sq ft | 81 |
| $400K and up | 119 | $649,900 | 2,870 sq ft | 77 |
The two lower bands (under $300K) move fastest — 47–48 day medians — because that’s where owner-occupant demand is thickest and inventory is thinnest. The $300K–$400K band is the slow lane at 81 days, which is exactly where a patient buyer finds price cuts and seller-paid closing costs. Belton’s median closed price has been running around $325,000 (mid-2026), so listings sitting above that in the $300K–$400K range are the ones most likely to negotiate.
Which Belton neighborhoods and builder communities have homes for sale?
Belton inventory concentrates in a handful of active communities. Here is the count and median for the ones actually moving homes right now — ranked by active MLS listings in the July 2026 pull:
| Community | Active | Median price | Median DOM | Notes |
|---|---|---|---|---|
| Three Creeks (all phases) | 57 | $325,000 | 51 | Belton’s most active master-plan; D.R. Horton, Carothers, Tippit |
| Hubbard Branch | 25 | $322,900 | — | Heavy builder standing inventory — long DOM = leverage |
| Dawson Ridge | 13 | $419,900 | 30 | Move-up tier, fast turns |
| Skyview | 9 | $299,900 | 65 | Sub-$300K new-build entry |
| Lakewood Ranch | 7 | $535,000 | — | Upper-tier / larger lots |
| Ridge at Belle Meadows | 5 | $272,900 | 36 | All Stylecraft, $242,900–$296,900 (this is Belton, not Temple) |
| Liberty Park | 5 | $319,000 | 81 | Established, mid-market |
| Morgans Point Resort | 14 | $269,200 | 52 | The Belton Lake community — $199,900–$715,000 |
| Honey Glen Acres | 4 | $1,044,500 | — | Acreage estate tier |
Who’s building in Belton
New construction is a big share of Belton’s active market — about 92 builder-tagged listings, median $329,900. The builders you’ll actually see:
| Builder | Where | Read |
|---|---|---|
| D.R. Horton | Three Creeks + scattered | Volume builder; most negotiable on standing spec homes |
| Carothers | Three Creeks (executive) | Step-up finish; slower to discount |
| Stylecraft | Ridge at Belle Meadows | Entry new-build from $242,900 |
| Ashford / Jubilee / Centex | Multiple | Mid-market spec inventory |
| KB Home | Hidden Trails | Sells mostly builder-direct — MLS undercounts (1 active) |
Deeper dives: Three Creeks · best Belton neighborhoods · Belton ISD neighborhoods · new construction across Temple–Belton–Salado · builders: D.R. Horton, Stylecraft, Carothers, KB Home.
Watch firstEvery major Belton neighborhood, ranked by price
I walked through each Belton community on camera — entry streets to lake and estate tiers — with the price and school trade-offs behind Belton’s premium over Temple:
Is there land and acreage for sale in Belton?
Yes — and this is where most “homes for sale in Belton” pages go quiet. The residential MLS pull above is homes only (0 raw-land parcels in that dataset), so for acreage you have to look at the land side of the market. In mid-2026, land portals such as land.com carried 160+ Belton-area land parcels — everything from sub-acre infill lots to rural tracts off the FM roads north and west of town. (That 160+ figure is a land-portal count, not from my residential MLS pull — I’m being explicit about the source because the number matters.)
What buying land actually involves
Off the paved subdivisions, “utilities” is not a given. Budget for a septic system and a water well (or a water-supply-corporation tap fee) on most rural Belton parcels, plus a survey and a percolation test before you close. A lot that looks cheap per acre can carry $30K–$60K of site work before a slab goes down.
The ag-exemption angle
Rural Bell County land often qualifies for an agricultural valuation that taxes the land on its productive value, not market value — a large annual tax difference. It has real qualification rules and a rollback penalty if you convert it. Start here: Bell County ag exemption guide.
Land resources: land & acreage across the Temple–Belton area · how to buy land in Bell County. If you want the current Belton land list filtered to your acreage and budget, ask — I pull it straight, not through a portal.
Can you buy waterfront property on Belton Lake?
Sort of — and you should understand the catch before you fall for a listing photo. Belton Lake is a 12,135-acre reservoir owned by the U.S. Government and operated by the U.S. Army Corps of Engineers. The Corps controls a shoreline buffer around the whole lake, which means most “waterfront” homes are lake-adjacent — sitting above or beside public Corps land — not private-beach waterfront with a deeded shoreline. Private boat docks are Corps-permitted and tightly regulated. Verify current Belton Lake private-dock policy with the USACE Fort Worth District before you buy on the promise of a dock.
Morgans Point Resort is the main Belton Lake community, with 14 active listings in the July 2026 pull — median $269,200, ranging from $199,900 up to $715,000. It’s where lake-lifestyle demand actually clears. Full breakdown: Morgans Point Resort homes.
How competitive is the Belton housing market?
Belton currently favors buyers in most bands. Median days on market is 71; the average runs past 100 because slow upper-tier and lake listings drag it up. Builders — D.R. Horton, Stylecraft, Carothers — are carrying standing spec inventory, and standing inventory is where the real incentive money lives (rate buydowns, closing-cost credits, price drops).
Where the leverage isn’t
The exception: well-priced homes in Three Creeks still clear in about 51 days, and anything sharp under $300K moves in the high-40s. If you’re chasing a priced-right home in a hot community, you don’t have the leverage the citywide 71-day number implies — you have to be ready to write. The leverage is on the $300K–$400K resale that’s been sitting 80+ days and on builder spec that’s been finished for months.
Negotiation context: current Bell County builder incentives.
What will you actually pay in property taxes in Belton?
A Belton address inside city limits stacks three rates. Using the 2025 adopted rates:
| Taxing entity | Rate per $100 |
|---|---|
| City of Belton | $0.5225 |
| Bell County | $0.3125 |
| Belton ISD | $1.1494 |
| Combined (before exemptions) | ≈ $1.9844 (~1.98%) |
Run it on Belton’s $349,950 median home:
Before exemptions
≈ $6,944/yr
About $579/month baked into your payment.
After the $140K homestead exemption
≈ $5,335/yr
Texas’s 2025 $140,000 school-tax homestead exemption cuts the ISD portion for owner-occupants — roughly $445/month.
Some newer Belton subdivisions layer a MUD or PID assessment on top of that ~1.98%, which can push an effective rate toward 2.5%+ for the bond-payoff years. It doesn’t show on the listing sheet — you have to check the specific parcel. Read this before you offer on new construction: MUD vs PID taxes in Temple & Belton · Bell County homestead exemption guide.
What schools serve homes for sale in Belton?
Most Belton addresses are zoned to Belton ISD — roughly 13,700 students across 21 campuses, growing 3–4% a year. Three Creeks, for example, feeds Chisholm Trail Elementary → South Belton Middle → Belton High.
Belton’s district boundaries are not clean at the edges. Homes on the southern and western fringe can fall into Academy ISD or Salado ISD, and a school zone can flip street to street. If the school is a reason you’re buying, confirm the exact campus assignment for the specific address before you write — not the subdivision, the parcel. Map of which neighborhoods sit where: Belton ISD neighborhoods.
Belton vs Temple: where should you buy?
Same county, two different buys. Temple is the medical-and-jobs hub — Baylor Scott & White is the area’s largest employer at ~12,000 people, and the new Meta data center anchors the east side. Belton is the smaller, older-town, lake-and-university side (University of Mary Hardin–Baylor sits downtown), about 15 minutes from BSW Temple and 30–40 minutes east of Fort Hood (formerly Fort Cavazos). Belton tends to carry a small price premium and the Belton ISD reputation; Temple gives you more sub-$300K inventory and shorter medical commutes.
Quick verdict
Buying for BSW Temple work or maximum inventory under $300K → lean Temple. Buying for Belton ISD, the lake, UMHB, or small-town feel → Belton earns its premium. Full side-by-side (price, tax, commute, schools): Temple vs Belton · homes for sale in Temple.
Where are the cheapest homes for sale in Belton, TX?
The real MLS floor in the July 2026 pull is $94,900 — but that’s the exception, not the entry point. Practically, Belton’s affordable tier is the 35 homes under $250K (median $223,000, ~1,285 sq ft). Two honest paths at the bottom of the market:
Cheapest new construction
Ridge at Belle Meadows (Stylecraft) starts around $242,900, and Hidden Trails (KB Home) had a resale at $242,425. New at this price means smaller footprints (1,262–1,884 sq ft) — but no deferred maintenance.
What sub-$200K actually buys
Below ~$200K you’re usually looking at age, condition, or location trade-offs — older stock needing work, or a lot near a flood zone. It can be a smart buy; just go in with an inspection budget and a floodplain check, not just the list price.
How do you buy a home or land in Belton without overpaying?
Three things separate a good Belton buy from an average one: (1) know which band and community actually has leverage before you write, (2) pull the MUD/PID and school zoning on the exact parcel — not the subdivision, and (3) on new construction, push the builder on standing spec inventory where the incentive money is real. That’s the job I do on the buy side — no portal runaround, no stale listing dumps.
Want the live Belton list — homes, new construction, or land — filtered to your price band and school zone?
Straight from the MLS, hand-built to what you’re actually looking for. Tell me the shape of the search and I’ll set it up.
Belton homes — frequently asked
How much does a house cost in Belton, Texas?
The median list price in Belton is $349,950 across 320 active MLS listings as of July 2026, with homes ranging from $94,900 to $1.75 million. New construction starts around $242,900 in Ridge at Belle Meadows (Stylecraft), and Three Creeks — Belton’s most active community — has a median near $325,000. Median time on market is 71 days, which gives buyers real negotiating room.
Is Belton TX a buyer’s or seller’s market right now?
Belton currently favors buyers in most price bands: median days on market is 71 and the average is over 100, and builders like D.R. Horton, Stylecraft, and Carothers are carrying standing inventory that comes with negotiable incentives. The exception is well-priced homes in high-demand communities like Three Creeks, where the median is closer to 51 days. Data from the Central Texas MLS, July 2026.
What are property taxes in Belton TX?
A Belton address inside city limits pays roughly $1.98 per $100 of assessed value before exemptions: City of Belton $0.5225, Bell County $0.3125, and Belton ISD $1.1494 (2025 adopted rates). On the $349,950 median home that’s about $6,944 a year before exemptions. Texas’s $140,000 homestead exemption on school taxes cuts it to roughly $5,335 for owner-occupants. Some newer subdivisions add a MUD or PID on top, so check the specific parcel before you offer.
Can you buy waterfront property on Belton Lake?
Belton Lake is a 12,135-acre reservoir operated by the U.S. Army Corps of Engineers, and the Corps owns the shoreline buffer — so “waterfront” in Belton means a home adjacent to or overlooking public Corps land, not a private beach, and docks are Corps-permitted. Morgans Point Resort is the main lake community, with 14 active listings in mid-2026 (median $269,200). Land and acreage near the lake also trades regularly; land portals carried 160+ Belton-area parcels in mid-2026.
What school district serves Belton homes?
Most Belton addresses are zoned to Belton ISD, a district of roughly 13,700 students across 21 campuses growing 3–4% per year. Three Creeks, for example, feeds Chisholm Trail Elementary, South Belton Middle, and Belton High. District boundaries at the southern and western edges can fall into Academy or Salado ISD, so verify zoning at the parcel level before buying.