Published October 6, 2026 in Market Update

More Killeen areas are seeing price pressure than the national market

By Stephen Harris

Real estate, Killeen - Temple - Fort Hood

The national number sounds fine. The Federal Housing Finance Agency reported U.S. home prices up 2.6% from July 2025 to July 2026. If you own a home in the Killeen area, that number does not describe your street.

The Real Estate Data Aggregator tracked the three months ending July 31, 2026, across every ZIP code in this market. Most posted year-over-year price declines. Two posted gains. The range ran from down 7.9% to up 4.7%. That spread matters more than any national headline.

Where prices fell and where they held

Eight of ten ZIP codes in this market saw prices drop compared to a year earlier. That is the opposite of the national picture.

The steepest drop was in 76522, the Copperas Cove area. The Real Estate Data Aggregator put the median sale price there at $246,000, down 7.9% from the same three months in 2025. Sales volume fell 15.6% and pending sales dropped 29.3%. That is a lot of pressure in one ZIP code.

76541, covering North Killeen, was close behind. The Real Estate Data Aggregator put the median there at $132,500, down 7.3%. Supply sat at 9.5 months. That is the highest of any ZIP code in this data. Homes there are taking longer to sell and selling for less.

The two ZIP codes that bucked the trend

76513, covering Belton, and 76559, covering Nolanville, both posted price gains. The Real Estate Data Aggregator counted a median sale price of $325,170 in 76513, up 0.7%, with supply down to 4 months and homes going under contract faster. 76559 posted a median of $335,780, up 4.7%, though inventory there jumped 51.6% and days on market stretched to 89.

Worth saying plainly: Belton and Temple are tied to Baylor Scott & White and the Temple job market. They are not a short drive to Fort Hood. If you are weighing those ZIPs, factor in the commute to whichever gate and duty location you use.

A closer look at the largest Killeen ZIP codes

76542 held up the best of the four, with only a 1.2% price dip. That said, homes there took 72 days to sell and months of supply crept up 0.5 months from a year ago.

76543 moved the fastest. Median days on market dropped 31 days compared to a year earlier, landing at 42 days. About 25.5% of homes went under contract within two weeks. The price still fell 4.6%, so speed and price are moving in different directions there.

What rates are doing to all of this

Rates are not helping. CNBC reported the average 30-year fixed rate at 7.30% as of September 30, 2026. CNBC also reported rates hit their highest level in three years, above 7.5%, as of October 3, 2026. Buyers are paying more to borrow, which pulls down what they can offer.

Realtor.com reported that 20.8% of listings nationally took a price cut in September 2026, the highest share since October 2022. This market's own data lines up with that pattern.

What this means if you own a home here

The national headline says prices are rising. Most of this market says otherwise. If you are pricing a home to sell, the number that matters is what closed in your ZIP code in the last 90 days, not what happened across the country.

Builder incentives on new construction spec homes also set a ceiling for resale in the same area. If a builder nearby is offering rate buydowns or closing cost help, resale homes have to compete with that. Price and condition both matter.

If you are buying, the data gives you room to negotiate in most of these ZIP codes. Sellers in areas with 5 or more months of supply and rising days on market are working harder to close a deal.

One more thing worth noting: these numbers cover entire ZIP codes. A subdivision off Stan Schlueter can read differently from one off 195. The ZIP code tells you the direction. Your street tells you the real number.