Homes for Sale in Killeen, Texas
Trusted Network of Agents Who Understand VA Buyers
- ✅ Handpicked Based on Experience: Each agent in our network is chosen for their deep experience supporting Military families and Veterans. We work only with professionals who consistently deliver for those who’ve served.
- ✅ Understand the Nuances of Working with a VA Buyer: Whether it’s navigating entitlement or dealing with VA appraisals, our agents are fully equipped to handle the intricacies of VA-backed home purchases.
- ✅ Negotiating on Your Behalf to Get Closing Costs Covered: Our agents don’t just focus on the sale price — they craft offers designed to reduce your out-of-pocket costs, often negotiating for seller-paid closing expenses.
- ✅ Coordinating Inspections: We’ll arrange and oversee your inspections from start to finish, helping keep your transaction smooth and on schedule with proactive communication.
- ✅ Ensuring the Property Meets VA Specifications: Our agents know what VA appraisers require and work ahead of time to identify potential issues — helping you avoid surprises and streamline your offer process.
- ✅ Virtual Showings for PCS Moves: If you’re relocating or buying from afar, we offer live virtual tours and video walkthroughs so you can confidently shop homes from a distance.
- ✅ Led by Levi Rodgers: Our team is founded by retired Green Beret and Purple Heart recipient Levi Rodgers. We serve with integrity and understand the needs of Military families because it’s personal to us.
Find Your Ideal Property in Killeen, Texas
Popular searches in Killeen, TX
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Cities in Killeen, TX
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
76541 Homes for Sale in Killeen, TX
$430,000
76542 Homes for Sale in Killeen, TX
$320,000
76543 Homes for Sale in Killeen, TX
$595,000
76549 Homes for Sale in Killeen, TX
$270,000
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
Schools in Killeen, TX
Top Killeen Neighborhoods for Veterans
| Neighborhood | Median Home Price | Est. Monthly VA Mortgage Payment | Proximity to Bases | Notable Features |
|---|---|---|---|---|
| Yowell Ranch | $265,000 | $1,675 | 10 mins to Fort Cavazos | Newer homes, walking trails, neighborhood pool |
| White Rock Estates | $310,000 | $1,975 | 12 mins to Fort Cavazos | Larger lots, upscale feel, quiet streets |
| Bridgewood | $250,000 | $1,575 | 8 mins to Fort Cavazos | Popular with PCS families, community parks |
| Goodnight Ranch | $270,000 | $1,700 | 10 mins to Fort Cavazos | Close to shopping, newer builds, affordable |
| Harker Heights | $325,000 | $2,075 | 15 mins to Fort Cavazos | Top-rated schools, dining, upscale neighborhoods |
| Copperas Cove | $240,000 | $1,525 | 10–15 mins to Fort Cavazos | Affordable, strong community, rural-suburban feel |
Neighborhood Insights
Yowell Ranch: A newer community in southeast Killeen, Yowell Ranch is popular with Military families due to its affordability, community pool, parks, and quick access to Fort Cavazos. Homes are newer construction with good space and neighborhood amenities.
White Rock Estates: Known for its spacious homes and upscale feel, White Rock Estates offers wide streets, larger lots, and proximity to schools and shopping. It’s a strong choice for Veterans wanting more room while staying close to base.
Bridgewood: Located just minutes from Fort Cavazos, Bridgewood is one of Killeen’s most Military-concentrated neighborhoods. With parks, sidewalks, and mid-2000s builds, it’s ideal for PCS moves or first-time VA buyers.
Goodnight Ranch: This growing area combines affordability with convenience. Residents enjoy access to retail centers, newer homes, and community green space — making it a solid option for Military buyers looking for balance between price and location.
Harker Heights: Just east of Killeen, Harker Heights is a favorite among higher-ranking officers and retiring Veterans. With top-rated schools, a strong retail district, and a quieter suburban feel, it offers long-term appeal and strong resale value.
Copperas Cove: Located on the western side of Fort Cavazos, Copperas Cove is a budget-friendly option that still offers fast access to base. It features a small-town atmosphere, good schools, and Military-friendly amenities — perfect for families seeking affordability and space.
BAH Rates in Killeen
How BAH Supports Homeownership in Killeen
Killeen continues to be one of the most Military-supportive cities in Texas — and your Basic Allowance for Housing (BAH) stretches further here than in many other markets. When used with a VA loan, your BAH can often cover most or even all of your monthly housing costs.
As of 2025, BAH rates for Killeen (MHA: TX279) have increased slightly to match the area’s growth and housing demand — giving service members stronger buying power. The exact amount depends on your rank and dependent status.
With your VA loan and BAH combined, you can:
- Purchase a home with $0 down payment required
- Avoid paying private mortgage insurance (PMI)
- Reduce or eliminate out-of-pocket costs at closing
💡 Smart tip: In many Killeen-area neighborhoods, your BAH can fully cover mortgage, taxes, and insurance — often making homeownership more cost-effective than renting.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 to E-4 | $2,142 | $2,142 |
| E-5 | $2,343 | $2,343 |
| E-6 | $2,568 | $2,568 |
| E-7 | $2,586 | $2,586 |
| E-8 | $2,610 | $2,610 |
| E-9 | $2,647 | $2,647 |
| W-1 | $2,587 | $2,587 |
| W-2 | $2,603 | $2,603 |
| W-3 | $2,618 | $2,618 |
| W-4 | $2,639 | $2,639 |
| W-5 | $2,666 | $2,666 |
| O-1 | $2,576 | $2,576 |
| O-2 | $2,589 | $2,589 |
| O-3 | $2,631 | $2,631 |
| O-4 | $2,647 | $2,647 |
| O-5 | $2,675 | $2,675 |
| O-6 | $2,702 | $2,702 |
| O-7 | $2,735 | $2,735 |
Why Killeen Is a Top Choice for Veterans Buying a Home
Killeen isn’t just home to one of the largest Military installations in the country — it’s also one of the most Veteran-friendly cities in Texas. With a strong sense of community, widespread VA loan access, and Military-aware professionals, Killeen is a smart and strategic place for Veterans and Military families to establish long-term roots.
- Texas has no state income tax — allowing more of your paycheck to stay in your pocket
- Property tax exemptions for eligible Veterans, including full exemptions for those with a 100% service-connected disability
- A large network of local lenders, builders, and agents who understand VA loans and Military buyer needs
- Nearby access to the Central Texas Veterans Health Care System, Fort Cavazos support services, and multiple VFW and American Legion posts
🏡 Why Killeen Is a Great Place to Use Your VA Loan
Leveraging your VA loan in Killeen offers major advantages over conventional financing — especially in a Military-centered market like Central Texas.
What Makes VA Loans So Powerful:
✅ No Down Payment Needed
✅ No Private Mortgage Insurance (PMI)
✅ Lower Interest Rates Compared to Conventional Loans
✅ Flexible Credit Qualification
✅ You Can Use Your Benefit Multiple Times
With Killeen’s affordable housing, stable property values, and strong support for Military families, your VA loan benefit stretches further — helping you build equity and secure a home with little to no upfront cost.
📍 Military Installations We Support Near Killeen
Killeen sits at the center of one of the most active Military hubs in Texas. Whether you’re active-duty, transitioning out of service, or retiring in the area, Killeen offers housing options close to major installations across Central Texas. Our team specializes in helping Military families find homes that match PCS orders, VA loan benefits, and long-term goals.
- Fort Cavazos (formerly Fort Hood): Located right in Killeen, Fort Cavazos is one of the largest Military installations in the U.S. With strong VA housing support, local services, and PCS-friendly communities, it’s a top destination for both active-duty and retiring service members.
- Robert Gray Army Airfield: Adjacent to Fort Cavazos, this airfield supports key Army aviation operations and logistics. Many families live in neighborhoods like Yowell Ranch, White Rock Estates, and Copperas Cove for convenience and value.
- Joint Base San Antonio (JBSA): Roughly 2.5 hours south, JBSA includes Fort Sam Houston, Randolph AFB, and Lackland AFB. Some separating or retiring families choose Killeen for its affordability, quieter pace, and easy VA loan eligibility.
No matter where you’re stationed or separating from, our local agents are ready to support your VA home journey in the Killeen area — from COE assistance to negotiation and closing.
💰 2025 VA Loan Limits in Killeen (Bell County)
A major benefit of buying a home with a VA loan in Killeen is the purchasing power it provides. If you have full VA entitlement, there’s no loan limit — so you can buy any home you qualify for with $0 down.
If your entitlement is partially used, county-level loan caps may apply. For 2025, the VA loan limit for Bell County is:
- $766,550 for a single-family home
This amount follows the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Most homes in the Killeen area are priced well below this threshold — but if you’re eyeing a higher-end property, VA jumbo loans are available with minimal or no down payment depending on remaining entitlement.