Town in Bell County, part of the Killeen metro

Living in Morgan's Point Resort, TX

B

228th of 745Texas towns of 1,000 to 10,000 people
Overall score 69 of 100
6th of 15 in the Killeen area

We give Morgan's Point Resort a B. It ranks 228th of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and jobs and income, and trails on getting around and cost of living.

  • Well connected
  • Getting around scores low (8 of 100)
  • Tornado risk is very high
Map of Texas showing where Morgan's Point Resort isHoustonSan AntonioDallasAustinFort WorthMorgan's Point Resort
Where Morgan's Point Resort is in Texas.
Population
4,746+2.1% since 2020
Median rent
$1,81930% higher than Texas
Median home value
$245,10014% lower than Texas
Household income
$79,450Median
Average commute
29 minOne way
Violent crime
No dataNo full-year report

What it's like to live in Morgan's Point Resort

Morgan's Point Resort sits about 17 miles from downtown Killeen, in the Killeen-Temple metro. 4,746 people lived here in 2025, up 2.1% from 2020. It is spread out, with mostly newer homes (the median home was built in 2002).

Places locals use include John Ansay Park and Hidden Canyon Park.

The median age is 38.2, 29% of households have children, 94% of homes are owned by the people living in them and the typical household earns $79,450 a year (about the same as the Texas median).

Pros of living in Morgan's Point Resort

No clear standouts in our data.

Cons of living in Morgan's Point Resort

  • Higher rent. Median rent is $1,819, 30% higher than the Texas median.
  • Natural hazard risk. FEMA rates the risk of tornadoes, hail and wildfires as very high here.
  • Long, hot summers. Expect about 118 days a year at 90°F or hotter.

Who Morgan's Point Resort suits

  • FamiliesA reasonable fit. Compared with similar Texas places, it beats 59% for families.
  • Young professionalsA reasonable fit: household income is about the same as the Texas median, with 4 restaurants and 0 cafes in town. Compared with similar Texas places, it beats 50% for young professionals.
  • RetireesA reasonable fit: 10% of working-age adults are uninsured. Compared with similar Texas places, it beats 50% for retirees.
  • Remote workersA reasonable fit: 97% of homes have broadband and the median rent of $1,819 is 30% higher than the Texas median. Compared with similar Texas places, it beats 73% for remote workers.
  • People on a budgetNot the best fit: the median rent of $1,819 is 30% higher than the Texas median. Compared with similar Texas places, it beats 29% for people on a budget.

Morgan's Point Resort report card

Ten grades, one for each part of daily life we measure. Most compare Morgan's Point Resort with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.

  • Cost of living: grade D+

    Median rent $1,819, homes cost 3.1x income.

    28 of 100 vs US towns

  • Jobs and income: grade A-

    Median household income $79,450, 1.2% unemployed.

    83 of 100 vs US towns

  • Schools: grade C+

    Not enough data.

    51 of 100 vs TX towns

  • Safety: no grade

    No full year of crime data from local police.

    No score vs TX towns

  • Errands and things to do: grade D+

    0 grocery stores, 4 restaurants, 2 parks mapped in town.

    29 of 100 vs TX towns

  • Getting around: grade F

    Average commute 29 min, 11% work from home.

    8 of 100 vs US towns

  • Education levels: grade A-

    41% have a bachelor’s degree.

    80 of 100 vs US towns

  • Health: grade B-

    10% of adults uninsured.

    61 of 100 vs US towns

  • Home ownership: grade B+

    94% of homes owner-occupied.

    80 of 100 vs US towns

  • Internet access: grade A-

    97% of homes have broadband.

    88 of 100 vs US towns

Where Morgan's Point Resort stands out compared with Texas

Better than Texas

  • Homes owned by the people living in them: 94%32 points higher than Texas (63%)
  • Adults 18 to 64 without health insurance: 10%10 points lower than Texas (20%)
  • Adults with a bachelor's degree or higher: 41%8 points higher than Texas (34%)

Worse than Texas

  • Median rent: $1,81930% higher than Texas ($1,403)
  • Average commute: 29 min9% higher than Texas (27 min)
  • Workers who walk, bike or take transit: 0%3 points lower than Texas (2.6%)

Cost of living in Morgan's Point Resort

Rent is the cost most newcomers feel first. The median rent in Morgan's Point Resort is $1,819 a month, 30% higher than the Texas median of $1,403. To keep that rent at 30% of income, a household needs to earn about $73,000 a year. Right now 48% of renters here pay more than 30% of their income on rent.

HUD sets fair market rents for this area at $927 for a one-bedroom, $1,138 for a two-bedroom and $1,576 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $245,100, 14% lower than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $1,342 before tax, or $1,701 with property tax. That is close to the median rent, so buying can make sense if you plan to stay.

Texas has no state income tax, but property taxes are among the highest in the country. The median homeowner in Morgan's Point Resort pays $4,311 a year, about the same as the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

Typical rent by apartment size

Fair market rent by bedroom count in Morgan's Point ResortStudio$9211 bedroom$9272 bedrooms$1,1383 bedrooms$1,5764 bedrooms$1,902
HUD fair market rent for FY2027, Killeen-Temple, TX HUD Metro FMR Area. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median rent30% higher than Texas$1,819$1,403$1,413
Median home value14% lower than Texas$245,100$283,800$332,700
Home value to income15% lower than Texas3.1x3.6x4.1x
Renters paying 30%+ of income on rent3 points lower than Texas48%52%51%
Median property tax per yearAbout the same as Texas$4,311$4,232$3,119
Homes owned by the people living in them32 points higher than Texas94%63%65%
Median year homes were builtAbout the same as Texas200219921980

Monthly cost to buy a median home

$1,701
Mortgage payment
$1,342
Property tax
$359
Median rent, for comparison
$1,819

Based on a $245,100 home in Morgan's Point Resort, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.

Daily life in Morgan's Point Resort

Everyday places mapped inside Morgan's Point Resort, from Overture Maps. Well-known spots include John Ansay Park, Hidden Canyon Park.

The average one-way commute is 29 minutes, 9% longer than the Texas average. 11% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

Downtown Killeen is about 17 miles away in a straight line. Many people who live in Morgan's Point Resort work elsewhere in the metro, so test the drive at rush hour before you commit.

The median household income is $79,450, income per person is $38,851, unemployment is 1.2% and 41% of adults hold a bachelor's degree.

Grocery stores
0
Pharmacies
0
Restaurants
4
Cafes
0
Bars
0
Parks
2
Gyms
3
Hospitals and urgent care
0
Childcare
0
Libraries
0

Jobs, income and education

MeasureHereTexasUS
Median household incomeAbout the same as Texas$79,450$78,476$80,734
Income per person5% lower than Texas$38,851$40,752$44,673
Unemployment rate4 points lower than Texas1.2%5.3%5.2%
People below the poverty line8 points lower than Texas6.3%14%12%
Adults with a bachelor's degree or higher8 points higher than Texas41%34%36%
Adults with a high school diploma or higher10 points higher than Texas96%86%90%
Adults 18 to 64 without health insurance10 points lower than Texas10%20%11%
Homes with broadband internet6 points higher than Texas97%91%91%

Getting to work

MeasureHereTexasUS
Average commute9% higher than Texas29 min27 min26 min
Workers who work from home4 points lower than Texas11%14%15%
Workers who work from home11%
Workers who take transit0%
Workers who walk0%
Workers who bike0%

Who lives in Morgan's Point Resort

Under 1824%
18 to 3423%
35 to 6439%
65 and over14%

Median age 38.2 years. 29% of households have children.

Race and ethnicity
White73%
Hispanic or Latino14%
Black0.8%
Asian7.5%
Other or more than one race4.8%

Shown for information only. It is never part of any grade.

Weather in Morgan's Point Resort

Morgan's Point Resort has a hot Texas climate. July highs average 95°F and January lows about 36°F. There are about 118 days a year at 90°F or above, and about 37 inches of rain a year.

Average monthly high and low temperatures in Morgan's Point Resort30°50°70°90°60J64F70M78A84M91J95J96A90S81O69N61DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Stillhouse Hollow Dam, 9 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is low, hurricane risk is moderate, tornado risk is very high and hail risk is very high. Even in lower-risk areas, check the FEMA flood map for the exact address before you buy.

  • River floodingLow
  • HurricanesModerate
  • TornadoesVery high
  • HailVery high
  • Heat wavesHigh
  • WildfiresVery high
  • Winter stormsVery high
  • Strong windModerate

Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

Places near Morgan's Point Resort

Nearby, Temple gets a D, Belton gets a D and Troy gets a B. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. DTempleCity, 89,602 people6 mi
  2. DBeltonSmall city, 24,356 people7 mi
  3. BTroyTown, 2,844 people10 mi
  4. B-NolanvilleTown, 6,690 people10 mi
  5. B+Little River-AcademyTown, 2,233 people12 mi
  6. C+MoodyTown, 1,390 people12 mi

Morgan's Point Resort in the Killeen area

How it ranks among 15 places in the metro.

  1. 1A-Salado2,225 people15 mito downtown
  2. 2A-Kempner1,215 people14 mito downtown
  3. 3B+Holland1,299 people24 mito downtown
  4. 4B+Little River-Academy2,233 people21 mito downtown
  5. 5BTroy2,844 people27 mito downtown
  6. 6BMorgan's Point Resort4,750 people17 mito downtown
  7. 7B-Nolanville6,690 people7 mito downtown
  8. 8B-Harker Heights34,128 people5 mito downtown
  9. 9C+Copperas Cove37,947 people11 mito downtown

See all of the best suburbs of killeen

Living in Morgan's Point Resort: common questions

Is Morgan's Point Resort, TX a good place to live?

We give Morgan's Point Resort a B. It ranks 228th of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and jobs and income, and trails on getting around and cost of living.

How much does it cost to live in Morgan's Point Resort?

Median rent in Morgan's Point Resort is $1,819 a month, 30% higher than the Texas median. The median home is worth $245,100, 14% lower than the Texas median. A median home costs 3.1x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $1,701, including property tax.

Is Morgan's Point Resort safe?

In 2025, Morgan's Point Resort Police Department reported 0 violent crimes per 100,000 people, 100% lower than the Texas rate. Property crime was 63 per 100,000, 97% lower than the Texas rate. This agency reported only part of the year, so the rate is shown but not scored.

Does Morgan's Point Resort flood?

FEMA rates river flooding risk in Morgan's Point Resort as low, and coastal flooding as not rated. Hazards rated high or very high here: tornadoes, heat waves, hail, wildfires and winter storms. Always check the flood map for a specific address before you buy.

What is the weather like in Morgan's Point Resort?

Summers in Morgan's Point Resort peak at about 95°F in July, and January nights fall to about 36°F. Expect around 118 days a year at 90°F or hotter, and 37 inches of rain.

How long is the commute in Morgan's Point Resort?

The average one-way commute is 29 min, 9% higher than the Texas average. About 11% of workers work from home. It is about 17 miles from downtown Killeen.

Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.