Published October 21, 2026 in Market Update

One part of Killeen has far more room for buyers to negotiate

By Stephen Harris

Real estate, Killeen - Temple - Fort Hood

These numbers cover the three months ending August 31, 2026.

Most of this market is running at five months of supply or less. That is roughly balanced. Then there is ZIP 76541, the older North Killeen area. The Real Estate Data Aggregator counted 12.6 months of supply there. That is more than double any other ZIP code in this report.

For context, Redfin reported in October 2026 that sellers already outnumber buyers by 62.6% across the U.S. In 76541, the gap is sharper than that national picture.

What the numbers show for ZIP 76541

The Real Estate Data Aggregator counted only 26 homes sold there in the period. New listings came in at 80. More homes are entering than leaving. That is why supply keeps climbing.

Pending sales fell 28.3% from a year ago, per the Real Estate Data Aggregator. Fewer buyers are going under contract. That is the clearest sign that demand has pulled back.

How 76541 compares with the rest of the market

The median sale price in 76541 is $131,250, per the Real Estate Data Aggregator. That is the lowest of any ZIP code in this report. Prices are down 7.6% from the same period a year ago. No other ZIP in this market dropped that much.

What this means if you own in 76541

Buyers in 76541 have 107 homes to choose from and only 38 pending sales in the pipeline, per the Real Estate Data Aggregator. They can take their time. That gives them room to negotiate on price, repairs, and closing costs.

If you are selling there, price is doing most of the work. The homes that sold averaged 97.5% of list price, per the Real Estate Data Aggregator. That means buyers are landing about 2.5 cents below every dollar of asking price, on average. Starting too high costs you time, and 71 days on market is already a long wait.

Realtor.com reported in September 2026 that 20.8% of listings nationally had taken a price cut, the highest share since October 2022. In a ZIP like 76541, a price that is even slightly off will sit.

What this means if you are buying in 76541

A median price of $131,250 is the entry point of this market. With 12.6 months of supply, you are not competing with a crowd. You have time to look carefully and ask for more.

That said, rates are not helping anyone right now. Fannie Mae forecast a 30-year fixed rate of 7.4% for the fourth quarter of 2026, according to CNBC. Factor that into what the payment looks like, not just the price.

Property taxes in Killeen are real, and some subdivisions carry MUD or PID assessments on top of the base rate. Ask what the full tax bill was last year before you write an offer.

The rest of the market is not the same story

ZIP 76549, which covers parts of Killeen off Stan Schlueter and toward the south, had 4.8 months of supply and pending sales up 6.3% from a year ago, per the Real Estate Data Aggregator. That is a different market than 76541, even though both carry a Killeen address.

Harker Heights, ZIP 76548, had 5 months of supply. Pending sales there were down 19%, per the Real Estate Data Aggregator. That is softer than a year ago, but still nowhere near the 12.6 months in 76541.

Nolanville, ZIP 76559, was the outlier in the other direction. The Real Estate Data Aggregator counted pending sales up 57.1% year over year, and the median price up 7%. It is a small sample, 57 homes sold, so read that with some caution.