The story of this market
The typical home in ZIP 76634 sells for about $235,000, or $145 per square foot.
Prices are down 3.3% from a year ago, which gives buyers more room to negotiate. Homes take about 130 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,250 a month.
ZIP 76634 — Clifton
The Clifton housing market remains stable with a median price of $235,000, reflecting a more affordable alternative to the nearby Waco metro area. While year-over-year price growth has softened, the market maintains a steady pace of activity driven by local demand and limited inventory. Buyers should anticipate a slower sales cycle compared to urban centers, with market conditions currently favoring a balanced approach.
This ZIP is well-suited for families and individuals seeking a quiet, small-town lifestyle with affordable housing, though it requires a commute for major employment.
Median prices moved down 3.3% year over year.
Homes spend a median of 130 days on market with 6.2 months of supply — a slower-moving market.
15% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 12.5% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 76634, Bosque County TX
Clifton generally experiences low crime rates consistent with small-town rural Texas, though specific localized trends are not centrally reported.
Clifton ISD serves the area and is generally regarded as a stable, community-focused district providing standard educational services for the region.
The area is subject to standard Texas climate risks, including potential for severe thunderstorms and heat-related stress; flood risk is localized to specific drainage areas.
Economic momentum is driven by local agriculture, small-scale manufacturing, and the broader Waco regional economy, with limited large-scale industrial development within the ZIP.
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).
Commuting typically requires personal vehicle travel via state highways toward Waco or other regional employment hubs, as public transit options are minimal.
The area features access to local parks, community centers, and proximity to Lake Whitney for water-based recreation and outdoor activities.
The rental market is characterized by moderate demand with a 24% renter share, primarily serving local workers and those seeking a lower cost of living compared to larger metros.
The local economy is anchored by agriculture, education, and small-business services, with many residents commuting to the larger Waco labor market.
Transportation is heavily reliant on private vehicle use via SH 6 and SH 22, with no significant public transit infrastructure.
Development is focused on small-scale residential infill and maintenance of existing infrastructure rather than large-scale master-planned projects.
Bosque County Central Appraisal District manages property assessments, typically following state-mandated market value standards.
Parcels are subject to Clifton ISD and Bosque County tax levies, with no major MUDs reported.
Property insurance premiums are influenced by regional wind and hail exposure common to Central Texas.
Texas is a non-judicial foreclosure state with relatively fast timelines for lender recovery.
Texas law requires sellers to provide a standard Seller's Disclosure Notice regarding the condition of the property.
Data retrieved from US Census Bureau ZCTA-level tables.
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.
- Walnut Springs Roadhouse4.619.4 mi
- Meridian State Park4.79.7 mi
- Walling Bend Park4.69.6 mi
- Valley Mills Vineyards4.912.1 mi
- McCown Valley Park4.611.5 mi
- Soldiers Bluff Park4.510.2 mi
- Lake Whitney Dam4.710.5 mi
- Meridian State Park4.79.7 mi
- Walling Bend Park4.69.6 mi
- McCown Valley Park4.611.5 mi
- Cedron Creek Park4.511.8 mi
- Soldiers Bluff Park4.510.2 mi
- Juniper Cove Marina4.314.5 mi
- Parsons Marina at Lake Whitney4.311.5 mi
- Waco Regional Airport4.124.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Local community park providing green space and recreational facilities.
Features local history and cultural exhibits significant to the region.
Major regional water attraction located within a short drive for boating and fishing.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.