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Killeen Homes for Sale
$255,000
Harker Heights Homes for Sale
$310,000
Nolanville Homes for Sale
$295,000
Copperas Cove Homes for Sale
$245,000
Belton Homes for Sale
$340,000
Temple Homes for Sale
$310,000
Gatesville Homes for Sale
$270,000
Zip codes in Killeen, TX
About the Killeen, Texas Housing Market
Facts About Killeen, TX Real Estate Market
Killeen, TX, is recognized as one of the most supportive cities for Veterans and Military families in Central Texas. With a steady housing market, access to VA financing, and a deeply rooted Military presence, Killeen is an excellent place to buy or rent. Here are some key insights that make it a practical choice for those who’ve served:
- Median Listing Home Price: The median home price in Killeen is roughly $260,000, making it one of the most budget-friendly cities for VA buyers while still offering access to solid neighborhoods and schools.
- Median Days on Market: Homes in Killeen typically spend around 32 days on the market — giving Veterans a reasonable window to shop without rushing into decisions.
- Price Per Square Foot: The average price per square foot sits around $140, giving buyers excellent value and room to maximize their BAH benefits.
- Active Listings: Killeen offers over 600 active home listings throughout Bell County, with a healthy mix of VA-eligible properties, new builds, and resale homes near Fort Cavazos.
- Median Rent: The median rent is about $1,350 per month — ideal for active-duty service members awaiting PCS orders or Veterans preparing to transition into homeownership.
Why Veterans Should Buy a Home in Killeen, TX
Killeen, Texas, is a top destination for Veterans and Military families looking to settle down in Central Texas. With close ties to Fort Cavazos, a variety of housing options, and strong VA loan accessibility, Killeen welcomes those relocating under PCS orders, separating from service, or ready to buy using earned VA benefits.
Why Killeen Is a Great Fit for Military Buyers
- Military-Connected Communities: Neighborhoods near Fort Cavazos — like Harker Heights, Copperas Cove, and Nolanville — offer a strong Veteran presence, Military-friendly amenities, and short commutes to base.
- Variety of Home Styles: From affordable ranch homes to new construction builds and low-upkeep townhomes, Killeen’s market offers styles to fit any service member’s lifestyle or transition plan.
- Affordability Across Ranks: Whether you’re active-duty with a junior rank or retired with long-term plans, Killeen has VA-eligible homes at a wide range of prices — ideal for stretching your BAH.
- Family-Focused Neighborhoods: Many areas include parks, schools, and family-friendly spaces designed for Military households seeking stability and convenience.
Killeen Housing Trends for Veterans in 2025
- Consistent Market Growth: Home values in Killeen have seen steady appreciation, giving Veterans the chance to build equity while keeping monthly payments manageable with VA financing.
- Strong Inventory of VA-Eligible Homes: The local market features a healthy supply of homes that qualify for VA loans — including both move-in ready and newer construction options.
- High BAH Coverage: In the Killeen/Fort Cavazos MHA (TX279), 2025 BAH rates align well with home prices — helping many buyers fully cover their mortgage and related costs.
Smart VA Homebuying Tips for Killeen Veterans
- Work with a VA-Experienced Agent: Partner with an agent who understands VA loan processes, including appraisal timelines, conditional requirements, and closing fee strategies.
- Get Pre-Approved Early: Secure your Certificate of Eligibility (COE) and pre-approval before touring homes to increase your chances of success in a competitive market.
- Prioritize VA-Ready Properties: Focus your search on homes in good repair that meet VA appraisal standards — reducing the risk of delays or deal-breaking repairs.
Frequently Asked Questions about using a VA Loan to Buy a Home in Killeen, TX
Absolutely. Killeen is a great city for Veterans to use their VA loan benefits. You can purchase a single-family home, VA-approved condo, or even a multi-unit property if you plan to live in one of the units.
2. What’s the maximum VA loan amount in Killeen for 2025?
If you have full entitlement, there’s no official cap — you can purchase above the loan limit with $0 down if approved by your lender. For those with partial entitlement, the 2025 VA loan limit in Bell County is $766,550.
3. Which neighborhoods in Killeen are most popular for Military families?
Areas like Harker Heights, Copperas Cove, and Nolanville are known for good schools, safety, and close proximity to Fort Cavazos — making them ideal for PCS moves and long-term ownership.
4. Will my BAH be enough to cover a mortgage in Killeen?
In many cases, yes. Depending on your rank and dependent status, BAH in the Killeen MHA (TX279) may cover most or all of your monthly mortgage, property taxes, and insurance when using a VA loan.
5. Are there homebuyer programs specifically for Veterans in Killeen?
Yes. Beyond the VA loan, you may be eligible for programs like the Texas Veterans Land Board, TSAHC’s Heroes Program, or local Killeen homebuyer assistance grants.
6. What types of homes are eligible for VA financing?
VA loans can be used for existing homes, new construction, approved condos, and even multi-family properties — as long as the home meets VA standards and you live in it as your primary residence.
7. Can I reuse my VA loan benefit if I’ve already used it once?
Yes. You can reuse your VA loan benefit if you have remaining entitlement, or restore it after selling or paying off your previous VA-financed home.
8. How do I know if a Killeen home will pass a VA appraisal?
VA appraisers check for safety, livability, and structural soundness. Well-maintained homes — especially newer builds — usually pass with no issues.
9. How high are property taxes in Killeen, and are there exemptions?
Texas has no state income tax, but property taxes vary by county. Veterans with service-connected disabilities may qualify for significant exemptions — including full exemptions for those with a 100% VA disability rating.
10. What’s the first step to buying a home with a VA loan in Killeen?
Start by obtaining your Certificate of Eligibility (COE). Then connect with a lender experienced in VA loans and a local Killeen real estate agent who understands Military needs. Get pre-approved and begin your home search with confidence.
Top Neighborhoods and Schools in Killeen, TX
Top Killeen Schools Serving These Neighborhoods
| School | Type | GreatSchools Rating |
|---|---|---|
| Harker Heights Elementary School | Elementary | 9 |
| Mountain View Elementary School | Elementary | 8 |
| Union Grove Middle School | Middle | 9 |
| Audie Murphy Middle School | Middle | 8 |
| Harker Heights High School | High | 8 |
| Ellison High School | High | 7 |
Homebuyer Programs for Veterans in Killeen, TX
Fort Worth Housing Assistance Programs for Veterans
1. Homes for Texas Heroes Program (TSAHC)
Veterans, active-duty service members, and surviving spouses in Killeen can benefit from down payment and mortgage assistance through the Texas State Affordable Housing Corporation.
- Receive 3% to 5% of the loan amount as down payment assistance
- Choose from grants or deferred forgivable second lien loans
- Open to Veterans, active duty, and surviving spouses
- Not limited to first-time homebuyers — repeat buyers welcome
2. Texas Veterans Land Board (VLB) Home Loan Program
Veterans in Killeen can access exclusive low-interest loan options through the Texas Veterans Land Board, including support for purchasing and improving homes.
- Loan amounts up to $766,550 for qualified Veterans (2025 limit)
- Can be combined with VA, FHA, or conventional financing
- Lower interest rates for Veterans with disabilities or Gold Star spouses
- Funding also available for approved property improvements
Texas Veterans Land Board Page
3. HUD-VASH Program (Killeen)
The HUD-Veterans Affairs Supportive Housing program supports homeless Veterans in the Killeen area with housing vouchers and VA case services.
- Combines Section 8 housing assistance with case management
- Includes support services like counseling, mental health care, and job placement
- Locally administered by the Central Texas Housing Consortium and VA Temple Regional Office
4. City of Killeen Homebuyer Assistance Program
Killeen’s Neighborhood Services Department offers support for low-to-moderate-income families looking to buy a home in the city.
- Assistance up to $10,000 for down payment and closing costs
- Provided as a deferred 0% interest second lien loan
- Applicants must meet income, credit, and price guidelines
- Homebuyer education course required
5. Killeen Priority Repair Program
For Veteran homeowners in need of essential home repairs, the city offers targeted assistance to address safety and livability concerns.
- Eligible repairs include HVAC, roofing, plumbing, and electrical systems
- Assistance may be structured as a grant or forgivable loan based on income
- Focused on health, safety, and accessibility improvements