Homes for Sale in Belton, TX
Belton has 234 active homes on the Central Texas MLS as of the October 3, 2026 pull, at a median asking price of $336,500 and a median 69.5 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 CTXMLS pull observed October 3, 2026, there are 234 active residential homes for sale in Belton, priced from $79,900 to $2,995,000. The median asking price is $336,500 (mean $443,887 — pulled up by lake and acreage estates), the median home is about 1,973 sq ft, and the median listing has sat 69.5 days on market. That much standing time — plus builder inventory carrying incentives — puts most price bands on the buyer’s side.
- Entry: 40 active homes under $250K (median $233,200, ~1,445 sq ft).
- Core: 50 homes at $250K–$300K and 72 at $300K–$400K — this is where most Belton buyers land.
- Upper / lake / acreage: 72 homes at $400K+ (median $674,600).
- New construction: ~87 builder-tagged active listings, median $338,500 (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 observed October 3, 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 234 active homes split into four exclusive price bands, straight from the MLS pull observed October 3, 2026:
| Price band | Active homes | Median price | Median size | Median days on market |
|---|---|---|---|---|
| Under $250K | 40 | $233,200 | 1,445 sq ft | 48.5 |
| $250K – $299,999 | 50 | $283,500 | 1,696 sq ft | 72.5 |
| $300K – $399,999 | 72 | $345,500 | 1,989 sq ft | 76.5 |
| $400K and up | 72 | $674,600 | 3,003 sq ft | 85 |
The slow lane moved. Under $250K is still the fastest band at a 48.5-day median, while the $300K–$400K band is now the slowest one under $400K at 76.5 days. The $250K–$300K band, the slow one in the September 12 pull at 88.5 days, has tightened to 72.5 days. Belton’s median closed price was $318,500 across 98 closings between August 4 and October 3, 2026, so asking prices sitting well above that 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 observed October 3, 2026:
| Community | Active | Median price | Median DOM | Notes |
|---|---|---|---|---|
| Three Creeks (all phases) | 36 | $342,000 | 76.5 | Belton’s most active master-plan; D.R. Horton, Carothers, Tippit |
| Hubbard Branch | 23 | $322,900 | 92 | Heavy builder standing inventory — long DOM = leverage |
| Morgans Point Resort | 10 | $283,800 | 70 | The Belton Lake community — $199,900–$699,000 |
| Skyview | 7 | — | — | Sub-$300K new-build entry |
| Ridge at Belle Meadows | 5 | — | — | All Stylecraft, $242,900–$304,900 (this is Belton, not Temple) |
| Lakewood Ranch | 3 | — | — | Upper-tier / larger lots |
| Dawson Ridge | 2 | — | — | Move-up tier |
| Liberty Park | 1 | — | — | Established, mid-market — one listing, so read it as a single data point |
| Honey Glen Acres | 1 | — | — | Acreage estate tier — one listing |
Subdivision guides with dated sales tables, HOA and tax facts: Liberty Valley · Sendero Estates · Hubbard Branch · High Crest · Ridge at Belle Meadows · Rancho Del Lago · Lago Terra.
Who’s building in Belton
New construction is a big share of Belton’s active market — about 87 builder-tagged listings, median $338,500. 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 (4 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 10 active Belton-address listings observed October 3, 2026 — median $283,800, ranging from $199,900 up to $699,000. Another 6 active listings are filed under the city of Morgans Point Resort. 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 69.5; 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 46 days, and anything sharp under $300K moves in the low-40s (median days on market for closings August 4–October 3, 2026). If you’re chasing a priced-right home in a hot community, you don’t have the leverage the citywide 69.5-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 $336,500 median home:
Before exemptions
≈ $6,678/yr
About $556/month baked into your payment.
After the $140K homestead exemption
≈ $5,068/yr
Texas’s 2025 $140,000 school-tax homestead exemption cuts the ISD portion for owner-occupants — roughly $422/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 with 8,884 employees (Temple Economic Development Corporation major-employers list, observed October 12, 2026), 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. 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 observed October 3, 2026 is $79,900 — but that’s the exception, not the entry point. Practically, Belton’s affordable tier is the 40 homes under $250K (median $233,200, ~1,445 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 asking price in Belton is $336,500 across 234 active MLS listings, observed October 3, 2026, with homes ranging from $79,900 to $2,995,000. New construction starts around $242,900 in Ridge at Belle Meadows (Stylecraft), and Three Creeks — Belton’s most active community — has a median asking price near $342,000 across 36 active listings. Median time on market is 69.5 days, which gives buyers real negotiating room. Homes that actually closed between August 4 and October 3, 2026 ran a $318,500 median.
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 69.5 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 46 days for homes that closed between August 4 and October 3, 2026. Data from the Central Texas MLS, observed October 3, 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 $336,500 median home that’s about $6,678 a year before exemptions. Texas’s $140,000 homestead exemption on school taxes cuts it to roughly $5,068 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 10 active Belton-address listings observed October 3, 2026 (median $283,800) and 6 more filed under the city of Morgans Point Resort. 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.
Watching Belton but not ready to tour?
Every other Tuesday, Taylor emails roughly 5–8 current Temple and Belton homes where the data — days on market, real price cuts, seller and builder context — may give a buyer room to negotiate. Payment context and one honest caution with every property. Free, email-only, unsubscribe anytime; the signup box starts unchecked.
Right now: 54% of active Temple–Belton listings have already cut their price · median cut $15,100 (CTXMLS pull observed October 3, 2026).