Belton, TX · Neighborhood Guide · Content reviewed September 30, 2026
Best Neighborhoods in Belton, TX (2026): Ranked Cheapest to Most Expensive
Compare five selected Belton-area groups by historical median sale price, then check the actual home, school assignment, route and full monthly cost. “Best” depends on those property-level choices; this is not a ranking of every neighborhood or a promise of future value. Jump to the six-cohort comparison.
What are the best neighborhoods in Belton, TX in 2026?
For CTXMLS residential closings from October 3, 2025 through October 2, 2026, five selected Belton-area subdivision groups had median sale prices of $249,500 for Morgan’s Point Resort, $264,950 for Ridge at Belle Meadows, $313,980 for Three Creeks, $390,000 for Dawson Ranch/Ridge and $658,000 for four named lake-area groups. These are historical samples, not current asking prices or a quality ranking. Sage Meadows is a separate Temple-address comparison at $266,000. Use the table and sample definitions before comparing individual homes.
- Lower sampled median: Morgan’s Point Resort, 43 closings; its median home was built in 1999.
- More observations: Three Creeks, 131 closings, the largest sample among these six cohorts.
- Lake-area limit: the $658,000 group combines Rancho Del Lago, Lago Terra, Colinas Del Lago and Twin Mountains; membership does not establish waterfront access.
- School check: a mailing city is not a campus assignment. Use the district address lookup.
Compare the home, the campus and the monthly cost
Is the Belton address worth the premium?
In the matched 12-month CTXMLS closed-sales cohort, October 3, 2025–October 2, 2026, Belton’s median was about $322,000 (633 sales), versus about $270,000 in Temple (1,429 distinct closing events): a gap of about $52,000. These are residential records labeled with those cities, observed September 2 and October 3, 2026; repeated address-and-closing-date records are counted once. City medians mix different homes and do not establish what schools, lake access or any one feature adds to a home’s value.
Check the assigned campus, not just the district name
TEA’s 2026 accountability ratings list Belton ISD: B (80) and Temple ISD: B (81). Within Belton ISD, Lake Belton High School is A (93), Lakewood Elementary A (92), High Point Elementary F (58), and Hubbard Branch Elementary F (53). Temple High School is A (90). These dated state measures are starting points for researching a school; a letter alone does not establish the right fit for a student.
Enter the home’s exact address in the Belton ISD attendance-boundary lookup or Temple ISD Find My School. Confirm the grade, program and assignment with the district, then read the campus report on TXschools.gov. The Belton ISD neighborhood guide helps organize that address-level comparison.
School source: official 2026 TEA ratings workbook, checked September 20, 2026. Ratings may be adjusted through appeals. Market source and school review dates are separate.
Still weighing the cities? Use the Temple vs Belton breakdown to compare the same type of home, commute and costs.
Where it sits
Where is Belton, TX — and what’s it close to?
The courthouse routes below provide one dated point of comparison, not neighborhood commute times. A home near the lake and a home near Interstate 35 can involve different routes. Recheck the actual address, workplace entrance and departure time; add parking or gate processing separately.
Google Maps checked September 20, 2026: Tuesday September 22 departures from Bell County Courthouse, 101 E Central Ave. BSW: 2401 S 31st St, 7:45 a.m., 8.3 miles; Fort Hood: Marvin Leath Visitor Center, 69004 T.J. Mills Blvd, 6:45 a.m., 21.6 miles. These typical ranges exclude hospital parking, gate queues and on-post travel. The links open route planning; they do not preserve the historical traffic forecast. Recalculate your actual route.
The ranking · cheapest → most expensive
How Belton-area neighborhoods compare on price
The five cards are ordered by median sale price for the same October 3, 2025–October 2, 2026 closed-sale window. They are selected subdivision-name groups, not all Belton neighborhoods or municipal boundaries. The Temple-address Sage Meadows comparison follows separately. The four-listing asking snapshot at Ridge is dated and is not used to set the order.
Morgan’s Point Resort
The Morgan’s Point Resort subdivision-name cohort recorded 43 closings from October 3, 2025–October 2, 2026, with a $249,500 median and $180 median price per square foot. The median size was 1,380 square feet and median build year 1999. This name-based sample is not the City of Morgan’s Point Resort boundary and does not establish water access for a property.
Ridge at Belle Meadows
Ridge at Belle Meadows recorded 18 closings from October 3, 2025–October 2, 2026, with a $264,950 median, a $162 median price per square foot and a 1,657-square-foot median size. A separate historical snapshot observed four active Stylecraft listings asking $242,900–$304,900 on September 19, 2026. Those asks are not current availability or completed-sale prices.
Three Creeks
Three Creeks recorded 131 closings from October 3, 2025–October 2, 2026, with a $313,980 median, a $164 median price per square foot and 52 median days on market. Its observed $190,000–$515,000 range and larger sample give more historical comparisons than the other five groups here, but do not predict a particular home’s resale time.
Dawson Ranch & Dawson Ridge
The combined Dawson Ranch and Dawson Ridge subdivision-name cohort recorded 37 closings from October 3, 2025–October 2, 2026. Median sale price was $390,000, median size about 2,062 square feet and median price per square foot $183. The observed price range was $283,000–$732,000; combining the two names does not make every home or phase alike.
The median price per square foot is calculated for each sale and then summarized. Dividing the group’s median price by its median size can produce a different number because those medians need not describe the same home.
Named lake-area group (Rancho Del Lago, Lago Terra, Colinas Del Lago & Twin Mountains)
Illustrative home image. This photo does not verify a location in the four named groups, waterfront frontage or lake access.
This defined group covers Rancho Del Lago, Lago Terra, Colinas Del Lago and Twin Mountains, not every lake-area or waterfront property. It recorded 19 closings from October 3, 2025–October 2, 2026, with a $658,000 median and an observed range of $265,000 to $875,000. The grouping is based on subdivision names, not a waterfront filter; it includes different lot sizes and locations.
The 60-second pit stop
How do Belton property taxes actually work?
The parcel’s taxing entities, their taxable values and approved exemptions determine the bill. A mailing address or distance from the city does not establish the total. Compare each property’s actual tax record, insurance quote and recurring assessments before comparing monthly costs.
A MUD is a municipal utility district; PID assessments are a separate item to check. Begin with BellCAD’s property search, then obtain any applicable assessment and HOA records. A lower city component alone is not proof of a lower total housing cost.
| Selected 2025 entity | Rate per $100 taxable value |
|---|---|
| Bell County | $0.312800 |
| Road District | $0.019900 |
| City of Belton | $0.522500 |
| Belton ISD | $1.149400 |
Those four rates sum to $2.004600 per $100 only for a parcel subject to all four. This is a component subtotal, not a complete parcel tax quote: other entities, MUD taxes or PID assessments may apply. The 2025 table lists a $140,000 school residence-homestead exemption; eligibility and other exemptions differ by entity. Do not apply that reduction to every tax line.
Source: BellCAD’s 2025 adopted-rate and exemption table, dated September 30, 2025, reviewed September 20, 2026. These are 2025 components, not a claim that 2026 rates are final.
What does the purchase price mean per month?
Illustration, not a loan quote or a city median: with 20% down and a 30-year fixed loan at 6.95%, a $250,000 home has about $1,324/month in principal and interest; $300,000 is $1,589; $350,000 is $1,853. Each $50,000 price step adds about $265/month to the loan payment under these assumptions.
These figures exclude property taxes, homeowners insurance, HOA dues, special assessments, utilities and closing costs. The 20%-down conventional illustration assumes no PMI. Actual loan terms can differ. Add each property’s own tax and insurance estimates before comparing monthly budgets; a Temple tax assumption is not a Belton tax quote.
Rate reference: Freddie Mac PMMS, September 17, 2026; calculations reviewed September 20. Use the home affordability guide to assemble the other costs.
Full breakdown here: MUD vs PID taxes in Temple & Belton, TX.
Off the list · bonus
How should Sage Meadows enter the comparison?
Sage Meadows is a separate Temple-address comparison. Its name or mailing city does not establish a particular campus assignment; check the individual address. The defined cohort recorded 32 closings from October 3, 2025–October 2, 2026, at a $266K median; the median home was roughly 2,438 square feet at a median $110 per square foot. That was the lowest median price per square foot among the six cohorts on this page; verify the exact school assignment separately. Use the Temple neighborhoods guide for other comparisons.
Use the official address lookup and confirm the assigned campus with the district before choosing a home. A Temple mailing address can be inside Belton ISD; that does not establish a school-quality or price advantage for every property.
At a glance
Belton neighborhoods compared, side by side
| Neighborhood | Median sold | $/sqft | Sold (12mo) | What the sample means |
|---|---|---|---|---|
| Morgan’s Point Resort | $249.5K | $180 | 43 | Lowest median among these six cohorts |
| Ridge at Belle Meadows | $265K annual | $162 | 18 | Closed cohort; historical asks shown above |
| Three Creeks | $314K | $164 | 131 | Largest sample on this page |
| Dawson Ranch / Ridge | $390K | $183 | 37 | Combined Ranch and Ridge names |
| Named lake-area group | $658K | $235 | 19 | Four named subdivision families |
| Sage Meadows (Temple addr.) | $266K | $110 | 32 | Address-specific school verification required |
Source: CTXMLS residential closed sales, October 3, 2025–October 2, 2026; exports observed September 2 and October 3, 2026. These historical medians are not current asking prices. Read the selection and calculation method.
Make the shortlist concrete
Which two addresses deserve a closer look?
Choose two actual homes with similar size and condition. Record the following for each, including the source and date. A blank item is a question to resolve, not a reason to assume the cheaper median wins.
Home and recurring costs
- Asking price, condition and documented repair needs
- Lender payment estimate and cash needed at closing
- Parcel tax entities, approved exemptions and completed-home assessment
- Insurance, HOA and any special-district assessment
Location and use
- Exact school assignment for the grade and program
- Route to the actual work entrance at the needed time
- Surveyed lot, restrictions, utilities and flood-map check
- Documented access to any lake, trail or amenity that matters
For city-wide day-to-day checks, use the Living in Belton guide. For listing research, use the Belton homes page; confirm availability and details with the listing source.
Want help comparing a Belton shortlist?
Share the addresses, budget and route you are comparing. Ask Taylor Dasch to help identify the records and property details still needed; this page does not promise an automated custom report or complete live inventory feed.
Call 254-718-4249 Explore Belton listing routes →Questions buyers ask
Belton neighborhoods: FAQ
Which sampled group had the lowest median sale price?
Morgan’s Point Resort had a $249,500 median across 43 closings from October 3, 2025–October 2, 2026, with a median $180 per square foot, a 1999 median build year and a 1,380-square-foot median size. This is a subdivision-name cohort; inspect the specific home’s condition and address.
Which sampled group had the most closings?
Among the six cohorts compared on this page, Three Creeks had the largest sample: 131 closings from October 3, 2025–October 2, 2026, a $313,980 median, a median $164 per square foot and an observed $190,000–$515,000 range. That count does not guarantee a future resale time or price.
How much more expensive is Belton than Temple?
For the same 12-month closed-sales window, October 3, 2025–October 2, 2026, Belton was about $322,000 (633 sales) and Temple about $270,000 (1,429 distinct closing events), a gap around $52,000. The source was observed September 2 and October 3, 2026; duplicate address-and-closing-date records are counted once. These city medians mix different homes; they do not measure a school or lake premium. Both districts are B-rated in the 2026 TEA results. Compare the assigned campus, actual home and monthly costs.
What does the higher-priced lake-area sample cover?
The four named lake-area subdivision families used here—Rancho Del Lago, Lago Terra, Colinas Del Lago and Twin Mountains—had a $658,000 median across 19 closings from October 3, 2025–October 2, 2026, a median $235 per square foot and 95 median days on market. This defined group does not represent every lake-area or waterfront property, and the figures do not guarantee negotiating leverage.
Are there new construction neighborhoods in Belton?
Yes. Research community options in the Three Creeks guide, then verify the specific home’s builder, completion status and written terms. For your budget and move date, compare the builders and included terms or plan builder visits with Taylor before contacting a builder.
How should I compare a Temple-address home with Belton options?
Sage Meadows is a Temple-address comparison that recorded 32 closings from October 3, 2025–October 2, 2026, with a $266,000 median, a 2,438-square-foot median and a median $110 per square foot. Verify the specific address with the district because boundaries and assignments can change.
Is Three Creeks a good neighborhood in Belton?
Three Creeks had 131 closings from October 3, 2025–October 2, 2026, the largest sample among the six cohorts on this page, with a $313,980 median and 52 median days on market. Its amenities and HOA may fit some buyers; compare each resale with nearby new-build pricing and written incentives. The cohort does not guarantee liquidity, resale ease or price performance.
Is Belton, TX a good place to live?
Belton can fit a buyer who values lake access, its neighborhood choices and the location between Temple and Fort Hood. Compare each home’s assigned campus, full monthly cost and shift-specific commute. The matched annual city medians for October 3, 2025–October 2, 2026 were about $322,000 in Belton and $270,000 in Temple; those medians of different housing mixes are not an offer price or a guarantee of value.
How far is Belton from Baylor Scott & White and Fort Hood?
For a defined comparison, Google Maps showed a typical 12–20 minutes from Bell County Courthouse (101 E Central Ave) to BSW at 2401 S 31st St for a September 22, 2026, 7:45 a.m. departure. The same origin to Fort Hood’s Marvin Leath Visitor Center (69004 T.J. Mills Blvd) was 18–24 minutes at 6:45 a.m. Checked September 20, 2026. These exclude parking, gate processing and travel to a duty building; your neighborhood and shift can change the trip.
How do property taxes work in Belton, TX?
The tax bill depends on the parcel’s taxing entities, each entity’s taxable value and your approved exemptions. City limits, school districts and special districts can overlap differently. Start with BellCAD’s current property search and the 2025 adopted-rate table. Check PID assessments separately and budget from the completed-home value for new construction.
What is the best value neighborhood in Belton?
The data supports different answers by goal. Ridge at Belle Meadows had four active Stylecraft listings from $242,900 to $304,900 on September 19, 2026. Sage Meadows recorded the lowest median price per square foot among these six annual cohorts at $110. Three Creeks had the largest annual sample at 131 closings. None of those facts guarantees future value or resale performance.
Keep exploring
Related Belton & Temple guides
Evidence and limits
How were these groups and prices calculated?
The annual comparison uses the September 2 and October 3, 2026 CTXMLS Bell County closed-sale exports: the first supplies closings through April 30, 2026 and the second supplies May 1 onward. Filters: Residential, Closed, closing date October 3, 2025–October 2, 2026, and sale price at least $25,000. Duplicate address-and-closing-date records are counted once. The city comparison uses the MLS City field exactly; it is not a verified municipal-boundary map.
The six groups match recorded subdivision names containing Morgan’s Point; Ridge at Belle Meadows (including the abbreviated Ridge/Belle Mdw label); Three Creeks (including Three Creek, Three Crks, 3 Crks and reordered Creeks 3 phase labels); Dawson Ranch or Dawson Ridge (including the abbreviated Dawson Rdg label); Rancho Del Lago, Lago Terra, Colinas Del Lago or Twin Mountains; and Sage Meadow (including The Village of Sage Meadows). They are name-based samples, not legal boundary, school-zone or waterfront determinations. Spelling and agent-entered fields can affect membership. The lake group combines four subdivision families, so a single subdivision can differ from that group.
Sale price, size, build year and days on market are separate medians. Price per square foot is calculated for each sale with positive recorded size, then the median is taken. Dollar figures are rounded for reading. Historical ranges are observed transactions, not budgets, appraisals, availability or forecasts. The four active Ridge asking prices are a separate September 19, 2026 snapshot and are retained as history only.
The seven related-guide cards use the same October 3, 2025–October 2, 2026 window with their own subdivision-name groups; do not combine overlapping groups. Living in Belton separately labels August sales and September29 inventory. Content wording and calculation checks were reviewed September30; school, route and historical-rate evidence retains its September20 source review. Recheck assignments, rates, listings and written terms before relying on them.