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Mill Creek

NeighborhoodThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Texas
$446K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
14
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$455K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
AprJul
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
AprJul
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
AprJul
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
AprJul
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
AprJul
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
AprJul
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
201720182023

Housing Stock

HomesHow many homes we have records for in this area.860
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$455K
Median sizeThe middle home size here, measured in square feet.2,373 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1994
Single familyThe share of homes here that are single-family houses.99%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.52%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.2.3%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.89%
Company ownedThe share of homes owned by a company or trust instead of a person.10%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.49%
Typical ownership tenureHow long the typical owner here has held their home.6.3 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.57
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.236
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.156 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$86K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105K
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all neighborhoods nationally.

How Mill Creek compares

By median home value, Mill Creek is the 5th most expensive of 25 neighborhoods in Bell County, and its typical home is worth more than 89% of all homes in Bell County.

Home values in Mill Creek

Share of homes at each estimated value.

Median
$165K$984K
neighborhoods in Bell County ranked by median home value
#Bell CountyMedian valueHomes
1Hidden Springs$809K230
2Walnut Creek Estates$705K203
3Creek Place$512K182
4Wildflower$473K201
5Mill Creek$455K860
6Valley Ranch$438K160
7Triple 7 River Estates$416K202
8Tanglewood$398K326
9Chaparral Estates$330K169
10White Rock Estates$325K1,672
11North Chance$324K162
12Lakeaire$308K405
13Skipcha Mountain$305K2,188
14Morgans Point$269K1,969
15Western Hills$228K764
16Canyon Creek$227K974
17Sherwood Shores VII$191K471
18Southpark$150K333
19Bellview$142K242
20Talcoe$133K296
21Kern$132K464
22Temple Heights$129K312
23Freeman Heights$128K276
24Crestview$105K491

25 neighborhoods in Bell County are ranked; the most valuable are listed here.

About the Mill Creek market

What is the median home price in Mill Creek, TX?

The median sale price in Mill Creek, TX is $446,497 (data through July 2026), based on deeds recorded with the county.

How many homes sell in Mill Creek, TX each year?

14 homes sold in Mill Creek, TX over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Mill Creek, TX?

Mill Creek, TX contains 860 residential properties, with a median of 2,373 square feet, 3 bedrooms, built around 1994. The median TopHap Estimate is $455K.

How does Mill Creek, TX compare to the rest of Bell County?

By median home value, Mill Creek, TX is the 5th most expensive of 25 neighborhoods in Bell County. Its typical home is worth more than 89% of all homes in Bell County. Wildflower ranks just above it and Valley Ranch just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Mill Creek, TX?

89% of homes in Mill Creek, TX are owner-occupied. 10% are held by a company rather than an individual.

How much equity do owners in Mill Creek, TX hold?

52% of mortgaged homes in Mill Creek, TX are equity-rich, meaning the loan balance is under half the home's value. 2.3% owe more than the home is worth.

Nearby markets

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Explore Mill Creek on the map

See every recorded sale, price heat map, school zone and flood overlay across Mill Creek in TopHap’s interactive 3D map.

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