The story of this market
The typical home in ZIP 76531 sells for about $237,000, or $119 per square foot.
Prices are up +6% from a year ago, so sellers still have some momentum. Homes take about 154 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $894 a month.
ZIP 76531 — Hamilton
The housing market in 76531 is characterized by low inventory and slow turnover, reflecting a quiet, rural market. Prices have seen modest year-over-year growth, though the market remains largely non-competitive compared to urban centers. Demand is driven primarily by local buyers seeking affordability and space.
This ZIP is best suited for retirees, rural-lifestyle seekers, and those looking for affordable housing away from major metropolitan congestion.
Median prices moved up 6.0% year over year.
Homes spend a median of 154 days on market with 9.4 months of supply — a slower-moving market.
0% of listings have cut prices · homes sell at 96% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 7.1% · poverty 15.4% — a mixed stability profile.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 76531, Hamilton County TX
The area is served by Hamilton ISD, which provides a small-town educational environment typical of rural Central Texas.
The region is subject to standard Central Texas climate risks, including potential for severe thunderstorms and occasional drought conditions.
The local economy is driven by agriculture and small-town commerce, with limited large-scale industrial development.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Residents typically rely on personal vehicles for travel, with commute times to larger employment hubs like Waco or Austin exceeding one hour.
The area features access to local parks, rural hiking trails, and scenic pastoral landscapes characteristic of the Texas Hill Country fringe.
The rental market is limited in depth, primarily consisting of single-family homes with stable demand from local residents.
The economy is primarily supported by agricultural production, local government, and small-scale retail services.
Transportation is entirely dependent on private vehicle use via state highways; there is no public transit infrastructure.
Development activity is currently focused on low-density residential and agricultural land use.
The Hamilton Central Appraisal District manages property assessments for all taxing jurisdictions within the county.
Parcels are subject to Hamilton ISD and county-level tax jurisdictions.
Property insurance premiums are influenced by regional exposure to wind and hail events common in Central Texas.
Texas operates under a non-judicial foreclosure doctrine, allowing for expedited processes following proper notice.
Texas law requires sellers to provide a standard Seller's Disclosure Notice regarding the condition of the property.
Data retrieved from data.census.gov ZCTA 76531 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Provides local green space and community recreational facilities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.