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Killeen-Temple, TX

Cost of living in Bell County, TX

Part of the Killeen Metro Area

Estimated monthly cost
$2,767/mo
for a single person, all categories combined

Population 379,811 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $930 34%
Healthcare $480 17%
Federal tax $449 16%
Groceries $334 12%
Transport $320 12%
Energy $199 7%
Water $55 2%
State tax $0 0%

Rent in Bell County

Fair Market Rents by bedroom count.

Studio
$924
per month
1 bedroom
$930
per month
2 bedroom
$1,172
per month
3 bedroom
$1,631
per month
4 bedroom
$1,968
per month

Source: HUD FMR FY2025

Income and earnings in Bell County

Annual earnings figures from the Census ACS.

Household income
$66,051
per year
Individual earnings
$37,496
per year
Per capita
$33,558
per year

Source: ACS 2019-2023 5-Year.

Home values in Bell County

Average values reported by homeowners.

Average home value
$221,100
Annual property tax
$3,409

Source: ACS 2019-2023 5-Year

Energy costs in Bell County

Estimated monthly electricity and gas costs.

Electricity
$167
per month · 14.5¢/kWh
Natural gas
$32
per month
Annual total
$2,388
per year

Source: EIA

Healthcare in Bell County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
14.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Bell County

State and local tax rates for Texas.

No state income tax
Texas does not levy a personal income tax.
State sales tax
6.3%
Combined sales tax
8.2%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Bell County

Commute patterns and estimated costs.

Average commute
23.4 min
Drive alone
76.7%
Public transit
0.3%
Work from home
8.6%

Source: ACS

Monthly cost estimates for Bell County

What it costs to live in Bell County each month.

Single person
$2,767
per month
  • Rent $930
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $449
  • State tax $0
Couple
$4,064
per month
  • Rent $1,172
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $751
  • State tax $0
Family
$6,665
per month
  • Rent $1,631
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $751
  • State tax $0

Frequently asked questions about Bell County

Common questions about cost of living, rent and salary.

What is the average rent in Bell County?

In Bell County, TX, a one-bedroom apartment averages $930 per month, a two-bedroom averages $1,172 per month, a three-bedroom averages $1,631 per month, according to HUD Fair Market Rent data.

What is the average salary in Bell County?

In Bell County, TX, the average household income is $66,051 per year and individual earnings for full-time workers average $37,496 per year, according to U.S. Census Bureau data.

What is the cost of living in Bell County?

The estimated cost of living in Bell County, TX is approximately $2,767 per month for a single person, $4,064 for a couple, $6,665 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Bell County?

The combined sales tax rate in Bell County, TX is 8.19%, which includes the Texas state rate of 6.25% plus an average local rate of 1.94%.

Is Bell County an affordable place to live?

Based on the data, a single person in Bell County, TX would need approximately $2,767 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $66,051 per year ($5,504 per month). Bell County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Bell County?

The ACA marketplace benchmark premium in Bell County, TX is approximately $480 per month for an individual. Approximately 14.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Bell County?

The average home value in Bell County, TX is $221,100, with average annual property taxes of $3,409, according to U.S. Census Bureau data.

How does Bell County compare to other areas?

You can compare Bell County, TX with any other US county using our comparison tool at /compare. Bell County is in the Killeen-Temple, TX metro area.

Other counties in Texas

Browse the full list of counties in Texas, ranked by cost of living.

See all counties in Texas

Compare Bell County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources