Best Neighborhoods in Belton, TX (2026): Ranked Cheapest to Most Expensive

Belton vs Temple — closed medians, last 12 months

Is the Belton address worth the premium?

Before the rankings, one number that frames the whole list. Over the last 12 months the median home that actually closed in Belton went for about $320,000. Temple, ten minutes up the road, was about $274,000 — roughly a $47,000 premium for a Belton zip code. Two things drive it: schools and the lake. The question to keep asking on every neighborhood below is simple — is this one earning that $47K? A couple of them are basically Temple prices with a Belton address, and those are the ones worth watching. (Still weighing the two? See the full Temple vs Belton breakdown.)

Belton ISD holds a Texas Education Agency rating of B; Temple ISD a C — but boundary lines move, so verify the exact address with the district before you decide on schools.

Where it sits

Where is Belton, TX — and what’s it close to?

Belton is the Bell County seat in Central Texas, sitting right on Interstate 35 between Temple and the Killeen–Fort Cavazos area, with Lake Belton along its northwest edge. That location is most of why the neighborhoods below hold their value: you’re minutes from Baylor Scott & White’s flagship hospital in Temple, a short hop from Fort Cavazos, and inside an hour of Austin. Approximate drive times (verify your own commute):

Belton, TX · Bell County · Central Texas. Lake Belton sits on the northwest edge of town. Drive times are approximate and depend on your exact address and traffic.

The ranking · cheapest → most expensive

Belton’s neighborhoods, ranked by what they actually sold for

Five neighborhoods, lowest median to highest. Every number below is median sold price, price per square foot, and 12-month sales volume from the Central Texas MLS — the real closed-sale data, not list prices or automated estimates.

#1 · Cheapest entry

Morgan’s Point Resort

$247Kmedian · $179/sqft

36 sold / 12moRange $160K–$825KMedian built mid-1990sLake access + Belton ISD

Technically its own little city wrapped around Lake Belton, but it carries a Belton address and Belton schools. You get trees, hills, and the lake — boat ramps and a marina minutes from the driveway — at the lowest median on this list.

The catch: homes are older (median build mid-1990s, ~1,400 sqft) and the spread is wild — sales ran from $160K to $825K, sometimes on the same street. Do not skip the inspection, and budget for roof and HVAC. Sales closed around 95–96% of original ask, so there’s room to negotiate. Fits: you want water and trees more than a new kitchen, at the cheapest real entry into Belton schools.

#2 · Cheapest new construction

Ridge at Bell Meadows

~$232K+new builds from

Stylecraft new community~$232K–$300KSmaller floor plansBuilder warranty

The cheapest way into a brand-new home in Belton. New everything — roof, HVAC, warranty — starting in the low-$230s, which simply doesn’t exist most other places in this town.

The catch: these are smaller homes, and as a new community there’s limited resale history, so lean on the builder’s price sheet and incentives. When builders are sitting on standing inventory, that’s your leverage — ask for closing costs and a rate buydown, not just one. Fits: first home, new build, lowest possible entry, okay trading square footage to get it.

#3 · The safe pick

Three Creeks

$316Kmedian · $166/sqft

~119 sold / 12mo · #1 in BeltonRange $215K–$499K~53 days on marketHOA ~$30/mo

If you’ve heard of one Belton neighborhood, it’s this one — and the data backs it up. About 119 homes closed here last year, more than any other neighborhood in Belton by a mile, nearly one in five of the whole town’s sales. You get the full master-planned package — pools, ponds, miles of trails, sidewalks everywhere — and real range, from the low-$200s up to just under $500K, so you can move up without ever leaving. Builders here include D.R. Horton, Stylecraft, and Tippit. Straight shot to Baylor Scott & White in Temple; Fort Cavazos is an easy drive the other way.

The catch: there’s an HOA (about $30/month — read the rules first), and because builders are still finishing phases, resale homes compete against brand-new ones with incentive money two streets over. Those incentives are softening resale prices right now — great for buyers, but remember it’ll be your resale someday too. Fits: relocating, you don’t know Belton yet, and you want the statistically safe pick.

#4 · The move-up

Dawson Ranch & Dawson Ridge

$400Kmedian · $183/sqft

29 sold / 12mo~2,280 sqft medianRange $283K–$580KEstablished streets

Belton’s move-up neighborhood — and its newer sibling, Dawson Ridge. The median home is about 2,280 square feet on established streets close to everything. This is where people go for house number two after the starter neighborhoods.

The catch: at $400K in Belton you’re shopping against brand-new builds and against the lake, so the house has to be right. These closed around 96% of original ask — even up here, there’s room to negotiate. Fits: you’ve outgrown 1,800 square feet and you want established over brand-new.

Buyers miss this

Right near this price point, the Ranch at Woodland Trails had only 7 sales last year (small sample) but a median around $495K that went under contract in about 29 days — the fastest-moving segment in this entire data set, at half a million dollars. Expensive Belton is not sitting around.

#5 · The ceiling

Lakeside Belton (Rancho Del Lago, Lago Terra & the shoreline)

$765Kmedian · $248/sqft

19 sold / 12moTop sale into the $900Ks~96 days on marketRancho Del Lago · Lago Terra · Colinas Del Lago · Twin Mountains

The reason Belton has a ceiling Temple doesn’t: the lake neighborhoods along the Lake Belton shoreline. Nineteen sold across these last year at a median around $765K, with the top sale closing well into the $900s. Big custom homes, big lots — it feels like acreage out there, with the water out the window.

The catch: these homes sit — median around 96 days on market — likely because the buyer pool up here is thinner. If you’re buying, that’s leverage; if you’re selling, you’ll need patience. And on anything near the water, check the flood designation on the survey before you write. Every time. Fits: you came to Central Texas for the lake and the budget says yes.

The 60-second pit stop

How do Belton property taxes actually work?

This is the question I get more than any other. The short version: your rate depends on where the property sits — inside Belton city limits, in the ETJ just outside, or out in the county — and generally, the further out, the lower the city portion of the bill. Two homes at the same price can carry very different monthly payments.

Full breakdown here: MUD vs PID taxes in Temple & Belton, TX.

Off the list · bonus

Can you get Belton schools at a Temple price?

Here’s a move that isn’t on the ranking above, because the address says Temple — but if the only reason you’re shopping Belton is the schools, it matters. There’s a neighborhood called Sage Meadows: a Temple address that feeds Belton ISD. About 29 homes sold there last year at a median right around $270K, and the median home is roughly 2,400 square feet — about $112 a foot. That beats every neighborhood on this list by $30+ per foot, and you keep the Belton school zoning. It also shows up in my Temple neighborhoods guide.

At a glance

Belton neighborhoods compared, side by side

Source: Central Texas MLS closed sales, trailing 12 months, verified June 2026. Medians and price-per-foot move with the market — for the live numbers on a specific street, text me.

Fit check

Who Belton is — and isn’t — the right move for

Keep exploring

Related Belton & Temple guides