Homes for Sale in Belton, TX
Real Bell County MLS data, an honest read on Belton ISD and the tax math most buyers miss, and a home search I build and watch for you by hand — not a portal listing dump.
What homes are for sale in Belton, TX right now?
Belton, TX has homes for sale across every budget, from sub-$250,000 starters to $500,000-plus lake homes. Over the last 12 months, 629 homes sold in Belton at a median of $320,000 — about $174 per square foot for a typical 1,964-square-foot home. Belton runs higher-end than neighboring Temple (median $274,315): 18% of Belton sales topped $500,000 versus 8% in Temple, driven by Lake Belton waterfront and master-planned new construction. The fastest way to see what's actually available is a curated MLS feed I build by hand — start below.
Source: Central Texas MLS · City = Belton · trailing 12 months · n=629 closed · verify currentStart your personalized Belton home search
Two ways in — both reach me directly. I set up a curated MLS search for your criteria and send only the real fits.
The numbers
What's the Belton, TX housing market actually doing in 2026?
Belton is a higher-end Bell County market with a real luxury and lake tail. Over the trailing 12 months, 629 homes closed at a $320,000 median ($387,549 average — the gap is the lake/luxury top end). The mid-market moves quickly; the $500K+ tier takes its time.
Pace splits hard by price: the sub-$350K bands close in roughly 6–8 weeks (42–59 days median), while the $500K+ band sits about 90 days. That's the read a portal's single "average days on market" hides.
⬤ Active listing count changes weekly — verify the live number at publish. Updated June 2026.Source: Central Texas MLS · City = Belton · trailing 12 months (closed) · n=629 · verify current.
What your budget buys
What does your budget actually buy in Belton?
Real footprint by budget — median price per square foot and median size, computed from the last 12 months of Belton closings. This is the math portals leave out.
| Band | Sold (share) | Median days | Median $/sq ft | Median size |
|---|---|---|---|---|
| Under $250K | 124 (20%) | 42 | $158 | 1,304 sq ft |
| $250K–$350K | 247 (39%) | 59 | $165 | 1,796 sq ft |
| $350K–$500K | 142 (23%) | 63 | $181 | 2,268 sq ft |
| $500K+ | 116 (18%) | 90 | $234 | 2,852 sq ft |
Under $250K in Belton
The fastest-moving band and the smallest footprint — mostly older resale in established Belton, the occasional small new build. If schools are the goal, confirm the exact Belton ISD attendance zone before you fall for a price.
See Under-$250K Belton homes I'm watching →$250K–$350K in Belton
The volume band — 39% of the market. Resale plus entry-level new construction, most of it in Belton ISD zones. This is where the MUD question below starts to matter on newer subdivisions.
See $250K–$350K Belton homes I'm watching →$350K–$500K in Belton
Larger resale and most of Belton's master-planned new construction (Three Creeks, Sky Vista). Best value-per-foot tier for space — but it's also the heart of the MUD tax trap, so check the assessment on any new build.
See $350K–$500K Belton homes I'm watching →$500K+ in Belton
Belton's real differentiator vs. Temple: Lake Belton and Stillhouse Hollow waterfront, lake-access, and acreage homes. Higher $/sq ft, longer days on market, and the inventory that moves on relationships as often as on the open MLS.
See $500K+ Belton & lake homes I'm watching →The headline draw
Is Belton ISD really better than Temple ISD?
On the state's accountability scorecard, yes — and it's the main reason families pay more for Belton. Belton ISD holds a Texas Education Agency rating of B (80); Temple ISD holds a C (77). That one-letter gap is what a lot of Belton's price premium is really buying.
A strong rating doesn't mean a flush district. Belton voters rejected 3 of 4 bond propositions in November 2025 — real budget tension behind the good score. And a Belton mailing address does not guarantee a specific school: verify the exact attendance zone for any address on the Belton ISD boundary locator before you assume. I'll pull the zone for any home you're considering.
Sources: Texas Education Agency accountability ratings (verify current year/status) · Belton ISD certified 2025 rate, Bell CAD (M&O $0.7869 + I&S $0.3625). Verify current.
The trap most Belton buyers miss
Why can a "cheaper-tax" Belton home cost more than Temple?
Belton's base combined property-tax rate (around 2.01%) is lower than Temple's (around 2.39%) — so on paper Belton looks cheaper. But many new Belton subdivisions in the city's extraterritorial jurisdiction carry a Municipal Utility District (MUD) assessment of roughly 0.78% to 1.00% on top. That can push a "cheaper-tax" Belton new build above Temple's effective rate.
Bell County MUD #1 = 0.783% · MUD #2 (Three Creeks) = 0.950% · River Farm MUD No. 1 = 1.000% · Dawson Ranch is commonly the no-MUD comparison — but verify the exact parcel tax lines before relying on it. Always pull the actual tax detail on a specific address. See the full Belton MUD vs PID tax math →
Run your own number below — then I'll verify the exact rate on any address you're serious about.
Belton vs Temple — and your real tax rate
Illustrative estimate using Bell CAD MUD ranges by district — not a quote for any specific home. Verify the exact rate for an address at esearch.bellcad.org. Updated June 2026.
Set my Belton Watch Order →The category Temple doesn't have
Can you buy a lake home in Belton, TX?
Yes — and it's Belton's clearest edge over Temple. Lake Belton and Stillhouse Hollow Lake put waterfront, lake-access, and acreage homes on the table that Temple city inventory simply doesn't capture. These drive the $500K+ tier: a median around $234 per square foot across roughly 2,852 square feet. Lake and waterfront inventory is thinner and turns over selectively, so a hand-built MLS search tuned to lake, lake-access, and acreage criteria is the practical way to catch the right one.
Get a hand-screened Lake Belton search →
New construction & master-planned
What new-construction communities are in Belton (and what is Three Creeks)?
Three Creeks is one of Belton's largest master-planned communities — Belton ISD, amenities, and steady builder releases (D.R. Horton's Colt Creek section among them); Sky Vista and other builders are also active. New builds bring warranties and amenities — and the highest MUD exposure: Three Creeks sits in Bell County MUD #2 at 0.95%. Great homes; just price the tax line in.
A $450K Three Creeks home at base + 0.95% MUD carries a materially higher tax bill than the same price in Temple. It can still be the right buy for the schools and the warranty — but go in with the real number, not the brochure number.
The decision
Should you buy in Belton or Temple?
Short version — the full breakdown lives on the dedicated comparison page:
Choose Belton if…
- Schools come first (Belton ISD B vs Temple C)
- You want lake, acreage, or master-planned new construction
- You'll trade a few minutes of commute for space and schools
Choose Temple if…
- You want the lowest entry price ($274K median)
- You want to be closest to Baylor Scott & White
- You'd rather avoid MUD exposure on a new build
Getting around
How far is Belton from Temple, Fort Hood, and Austin?
Belton sits right on I-35 in the middle of Bell County:
It's the "more space and better schools, a few minutes farther from the Temple hospitals" choice. Relocating for Baylor Scott & White or the military? Those have their own guides.
How the search actually works
Your Belton Watch Order — what happens next
Here's the hands-on part of the search: I set up a curated MLS auto-search for your exact criteria, watch it directly, and send only the homes that actually fit — not 200 listings. Here's the cadence:
- Now — Watch Order setYour criteria go live and a confirmation note is on its way.
- First curated batchI hand-screen the MLS and send only the homes that actually fit — not 200 listings.
- Ongoing — I work itYou get a written setup note and a weekly activity summary — new listings and price changes as they hit the MLS, matched to your criteria. New inventory varies week to week.
- When you're ready — we tourI pre-screen your shortlist so we don't waste weekends, and offers anchor on closed-comp data, not list price.
The single most expensive mistake I see in Belton is a family choosing a new build for the schools, then opening the first tax bill and finding a MUD line nobody walked them through. The schools are real. The lake is real. The space is real. But run the all-in number before you fall in love — a $450K Three Creeks home and a $450K Temple home are not the same monthly payment. That's the kind of thing I price out for you before you write an offer.
I'm an agent at EG Realty in Temple, TX. $30M+ closed across 100+ transactions. Ranked #28 of 2,013 Bell County agents by transaction count — top 1.4%. EG Realty Highest Sales Volume — Temple, 2024. More about how I work →
Common questions
Common questions about buying a home in Belton, TX
What is the median home price in Belton, TX?
Is Belton ISD better than Temple ISD?
Do Belton homes have MUD taxes?
Is Belton cheaper than Temple?
Are there waterfront homes for sale in Belton, TX?
What is Three Creeks in Belton?
How far is Belton from BSW Temple and Fort Hood?
Can you set me up with a personalized Belton home search?
Keep exploring
More Belton & Bell County resources
Ready to see the real Belton inventory?
I'll build your search by hand, send only the homes that fit, and price the tax line before you write an offer.
Set my Belton Watch Order →Or text/call Taylor directly: 254-718-4249