Down payment assistance · Texas
Buying a home in Bell County, TX
41 statewide and 62 nationwide.Bell has no program that covers the whole county. On top of those, 41 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
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The Bell marketThe Bell housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Bell
- 64.7% single-familysingle-family
- 4.2% townhousetownhouse
- 11.2% 2–4 units2–4 units
- 13.7% 5+ unitscondo & apartment buildings (5+ units)
- 6.2% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bell’s homes were built
28%
of Bell homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
The two income figures measure different things. HUD’s area median income is the one programs use. 18 of the 103 programs here set their income limit as a share of Bell County’s area median income, adjusted for household size. See the published limits for Bell County
Free help in BellFree help in Bell
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Bell County
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Bell County.
14 cities and placesA to Z
All cities in Bell CountyAll 14 cities and places in Bell County
Bell questions
Can I use a county program anywhere in Bell?
No program here is listed as covering all of Bell County. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Bell County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Bell programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Bell?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Bell County. Create a free account and take the 90-second match to see the ones near you.
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Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.