Central Texas · Relocation Guide

Living in Belton, Texas

The numbers, the lakes and the Fourth of July, from a local REALTOR

Why Belton

A courthouse town between two lakes.

Belton is the Bell County seat, a historic courthouse town on Nolan Creek where I-35 meets I-14. Austin is about 57 miles south and Dallas about 127 miles north, and two big Corps of Engineers lakes, Belton and Stillhouse Hollow, are about ten minutes from downtown. Temple is next door, and Fort Hood’s main gate is a short drive west.

It keeps a small-town feel while the area grows: Belton’s population is up nearly 13% since 2020. Downtown has the restored 1884 courthouse, a county museum in the old Carnegie Library and restaurants along the creek. The University of Mary Hardin-Baylor, chartered in 1845, gives the town a college-town energy, and the Fourth of July here is a tradition more than a century old.

I’m Loni Jones, a REALTOR with Niche Real Estate, licensed since 2008. I help buyers across Central Texas find the right fit, from a home in Belton ISD to acreage out toward the lakes or over in Coryell County. I put this guide together with sources for every number, so you can share it with the people you’re moving with.

Belton at a Glance

The quick numbers.

25,964Belton populationCensus estimate, July 1, 2025 (2020: 23,054) · source
402,248Bell County populationCensus estimate, July 1, 2025 · source
+12.7%Belton growth since 2020April 2020 to July 2025 (county: +8.5%) · source
$258,700Median home value, BeltonOwner-occupied, ACS 2020–2024 (county: $241,000) · source
$1,252Median gross rent, BeltonACS 2020–2024 (county: $1,224) · source
$0State income taxTexas has no personal income tax · source
95.2°FJuly average highNOAA 1991–2020 normals, Stillhouse Hollow Dam; Jan. high 60.0°F · source
~1 hrTo AustinAbout 57 miles on I-35 (Dallas ~127 miles) · source
3,263UMHB studentsFall 2026 enrollment · source

Home values are Census survey figures for owner-occupied homes, not today’s asking prices. For current prices in a specific neighborhood, ask Loni for recent sales.

Cost of Living & Taxes

No state income tax. Local property tax.

  • How Texas taxes workTexas has no state personal income tax, and the state doesn’t collect property tax. Property tax is set locally by the county, city, school district and other districts, then applied to the appraised value. Source: Texas Comptroller
  • What it adds up to in BeltonFor a home inside the City of Belton and Belton ISD, the 2026 county, road district, city and school rates add up to about $2.03 per $100 of taxable value before exemptions. That’s our sum of the published rates, not an official combined figure, and some addresses carry other districts too. Source: Bell CAD 2026 tax rate chart (PDF)
  • Homestead exemptionsIf it’s your primary home, file a homestead exemption. School districts exempt $140,000 of value, plus another $60,000 if you’re 65 or older or disabled. Bell County adds a $16,670 exemption for 65 and older ($10,000 for disabled), and the City of Belton exempts $10,000 for 65 and older or disabled. Source: Bell CAD 2026 chart (PDF); values & filing: Bell County Appraisal District
  • Sales taxThe combined sales tax rate in Belton is 8.25%: 6.25% state, 1.5% city and 0.5% Bell County. Source: City of Belton; Texas Comptroller
  • Income & housingMedian household income is $59,130 in Belton and $68,865 countywide. About 56% of homes in both the city and the county are owner-occupied (ACS 2020–2024). Source: Census QuickFacts
Climate, Getting Around & Utilities

The day-to-day.

Jobs, Schools & Healthcare

Where Belton works and learns.

  • Higher educationThe University of Mary Hardin-Baylor was chartered in 1845 by the Republic of Texas and enrolled 3,263 students in fall 2026. Within a short drive are Temple College, Central Texas College, Texas A&M University–Central Texas and Texas State Technical College. Sources: UMHB Institutional Research; Belton EDC
  • Public schoolsBelton ISD covers about 200 square miles of Bell County and is Belton’s largest employer. Nearby districts include Temple, Salado, Academy and Killeen ISD. District lines don’t follow city limits, so confirm the district for any address you’re considering. Source: Belton EDC
  • HealthcareBaylor Scott & White Health is headquartered in the area, with its medical center and McLane Children’s in Temple. AdventHealth Central Texas, Carl R. Darnall Army Medical Center at Fort Hood and the Olin E. Teague Veterans’ Medical Center also serve the community. Source: Belton EDC
  • Fort HoodThe Army post, about 215,000 acres, sits just west of Belton and counts Belton among its surrounding communities. It was renamed Fort Hood again in 2025, so you may still see “Fort Cavazos” on older maps and listings. Source: U.S. Army Fort Hood
Things to Do

Weekends in Belton.

A starter list. For events and more ideas, see the Belton Area Chamber of Commerce and the City of Belton events page.

Every July

Belton’s Fourth of July

A tradition for more than 100 years that draws an estimated 30,000-plus people. The parade runs about a mile and a half from UMHB down Main Street to the Bell County Courthouse, the Festival on Nolan Creek fills Liberty Park, and the PRCA rodeo runs three nights.

See the chamber’s celebration page
ParadeUMHB to the courthouse, about 1.5 miles
FestivalLiberty Park, 700 Veterans Way
RodeoThree nights of PRCA rodeo
CrowdEstimated 30,000+
History & Downtown

Courthouse-square Belton

  • Bell County MuseumIn Belton’s Carnegie Library, completed in 1905, at 201 N. Main St. Free admission, with exhibits, a research library and tours of the Gault archaeological site.
    Official site
  • Downtown & the courthouseDowntown is built around the 1884 Bell County Courthouse, which has been restored, with walking tours, shops, live music and events through the year.
    Downtown Belton
  • Cochran, Blair & PottsA downtown fixture described by the Belton EDC as the oldest family-owned department store in Texas.
    Belton EDC
  • The Gin at Nolan CreekA 1928 cotton gin turned restaurant and tavern on Nolan Creek, with mesquite-grilled food, outdoor seating and live music.
    Official site
  • Chisholm Trail historyA main feeder route of the Chisholm Trail ran along the eastern edge of town in the 1870s and 1880s; the town still celebrates it with events like Legends of the Chisholm Trail.
    Handbook of Texas
Lakes & Outdoors

Two lakes and a creek

  • Belton LakeA U.S. Army Corps of Engineers lake just northwest of town for boating, fishing, camping and swimming.
    Corps of Engineers site
  • Stillhouse Hollow LakeThe second Corps lake, southwest of Belton on the Lampasas River, with boat ramps, fishing and parks.
    Corps of Engineers site
  • Miller Springs Nature Center260 acres below the Belton Lake dam with more than 10 miles of trails. Free and open daily, 8am to dusk, at 1473 FM 2271.
    City of Belton
  • Nolan CreekLimestone drops from Harris Park to Liberty Park and a put-in near the MLK bridge make it popular for kayaks, tubes and fishing. The city advises limiting water contact because of bacteria levels.
    City creek page
  • City parksBelton has 18-plus parks, splash pads and over 8 miles of walking trails, including Harris Community Park.
    Parks & recreation
UMHB & Game Day

Go Cru

  • University of Mary Hardin-BaylorA private Christian university near downtown, chartered in 1845 and one of Belton’s largest employers.
    Official site
  • Crusader StadiumOpened in 2013 with seating for 9,118. Cru football won NCAA Division III national titles in 2018 and 2021.
    Stadium info
  • Cru AthleticsSchedules and tickets for Crusader football, basketball, baseball and more.
    Schedules & tickets
Events & Community

Something on the calendar

  • Bacon, Blues & BrewsA free fall festival near the courthouse with live blues, local brews and a bacon cook-off; 2026 was its 10th year.
    City events
  • Polka on the SquareA fall polka festival downtown, one of several city events along with Movies in the Park and Soggy Doggy Day.
    City events
  • Christmas on the Chisholm TrailThe chamber’s holiday celebration, with a tree lighting and a Christmas parade in early December.
    Chamber event page
  • Huntington Bank ExpoThe Bell County event grounds on Loop 121, home of the Central Texas State Fair, rodeos, concerts and shows. You may still hear it called the Bell County Expo Center.
    Official site

Hours, dates and seasons change. Check each official site before you go.

Neighborhoods & Nearby Towns

Where to look.

Belton sits in the middle of a string of fast-growing towns. Many buyers end up choosing among them based on school district, commute to Temple or Fort Hood, and how much land they want. Here’s a quick look at the places buyers ask Loni about most.

Plan Your Move

Make Belton home.

Whether you want a home near UMHB, a neighborhood close to the lakes or acreage outside town, Loni can help you compare areas, schools and taxes before you make an offer.

Moving with family or a partner? Send them this guide so you’re all looking at the same information.

Sources
  1. U.S. Census Bureau QuickFacts: Belton city & Bell County (V2025 estimates; ACS 2020–2024)
  2. City of Belton: Demographics
  3. Texas Comptroller: Property Tax Basics
  4. Bell County Appraisal District: 2026 Tax Rate Chart (PDF)
  5. Bell County Appraisal District: Adopted tax rates & exemptions
  6. City of Belton: Tax information
  7. Texas Comptroller: City sales and use tax
  8. NOAA NCEI: U.S. Climate Normals 1991–2020, Stillhouse Hollow Dam (USC00418646)
  9. Belton EDC: Location & transportation
  10. Belton EDC: Major employers
  11. Belton EDC: Education
  12. Belton EDC: Healthcare
  13. Belton EDC: Recreation & entertainment
  14. UMHB Institutional Research: CRUcial Facts
  15. U.S. Army: Fort Hood
  16. City of Belton: Utility billing
  17. Belton Area Chamber: Fourth of July Celebration
  18. City of Belton: Events
  19. Texas State Historical Association: Belton, TX (Handbook of Texas)
  20. Bell County Museum: History
  21. Photo: “Bell County Courthouse in Belton, Texas” by Renelibrary, CC BY-SA 4.0, via Wikimedia Commons

Figures are from the sources listed, with years noted, and were checked November 2026. Tax rates, utility fees, event dates, and attraction hours and seasons change; confirm with the source. Information is deemed reliable but not guaranteed.

Bell County Courthouse photo: “Bell County Courthouse in Belton, Texas” by Renelibrary, CC BY-SA 4.0, via Wikimedia Commons; resized.