Texas micro-market
Healthcare practice financing in Belton, Texas
Direct answer
Density decides a lot here. Belton runs 77.2 providers per 10,000 residents, 198 clinicians against 25,635 people, 34 percent of them in physical, occupational, and speech therapy, while Bell County lenders have approved 6 healthcare files worth $4,216,100 and the nearest metro is 15 miles out.
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- Population: 25,635 residents (25K-50K band)1
- Healthcare providers registered here: 198 across 22 fields2
- Median household income: $63,5443
- Largest provider field: Physical, occupational, and speech therapy: 68 registered providers2
- Nearest metro: Killeen-Temple, TX, 15 miles1
- Hospital: A Medicare-certified hospital operates in the town4
Belton clinicians, by field
The NPPES file puts 198 enumerated clinicians inside Belton, spread over 22 fields at 77.2 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 68 | 26.5 | NPPES [2] |
| Primary care and family medicine | 29 | 11.3 | NPPES [2] |
| Chiropractic | 16 | 6.2 | NPPES [2] |
| ABA and autism therapy | 14 | 5.5 | NPPES [2] |
| Behavioral and mental health group practices | 14 | 5.5 | NPPES [2] |
| General dentistry | 11 | 4.3 | NPPES [2] |
| Dental specialties | 7 | 2.7 | NPPES [2] |
| DME and HME suppliers | 5 | 2.0 | NPPES [2] |
| Independent pharmacy | 5 | 2.0 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 1.6 | NPPES [2] |
| Specialty physician groups | 4 | 1.6 | NPPES [2] |
| Optometry and ophthalmology | 4 | 1.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 1.6 | NPPES [2] |
| Dermatology | 3 | 1.2 | NPPES [2] |
| Home health | 2 | 0.8 | NPPES [2] |
| Non-medical home care | 2 | 0.8 | NPPES [2] |
| Podiatry | 1 | 0.4 | NPPES [2] |
| Sleep centers | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] |
A single Belton practice can hold more than one of these numbers. 34 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
Bell County approvals, dollars, and lending establishments
6 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| SBA healthcare approvals | 6 | Fiscal year published in the SBA file [5] |
| Approved dollars | $4,216,100 | Sum of approvals to healthcare borrowers [5] |
| Average approval | $702,683 | Dollars divided by approvals [5] |
| Lending establishments in the county | 159 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
At 77.2 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. With 6 approvals on record in Bell County, expect a longer appraisal and a wider collateral discount. With $63,544 as the median household income, the payer mix in a projection has to match what Belton households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Belton's own provider mix, which physical, occupational, and speech therapy dominates at 34 percent. What a partner can actually place in Texas is a separate question.
Underwriting by field in Belton
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, chiropractic
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (68) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (29) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (16) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Belton providers from NPPES. The other two columns describe how funders read that field across markets like Belton, not what any funder will do with your file.
How Belton prices against its neighbors
Set Belton's 77.2 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Belton (current) | 25,635 | 198 | 77.2 | |
| Temple | 96,267 | 1,209 | 125.6 | 6 |
| Harker Heights | 35,263 | 267 | 75.7 | 10 |
| Copperas Cove | 39,627 | 123 | 31.0 | 26 |
| Gatesville | 16,388 | 66 | 40.3 | 31 |
| Hewitt | 16,749 | 67 | 40.0 | 32 |
| Taylor | 17,872 | 91 | 50.9 | 33 |
How Belton sits against the nearest metro
Distance to Killeen-Temple, TX is 15 miles. Appraisers borrow Killeen-Temple, TX rents, and the 25,635 residents set the ceiling on collections. Median household income runs $63,544, which is the number a funder converts into case acceptance on anything elective or cash-pay. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Campus terms, not calendar quarters, set the busy months in Belton. Belton is the Bell County seat, so county employment steadies the payer mix.
Other Texas markets
- Temple 96,267 residents
- Harker Heights 35,263 residents
- Copperas Cove 39,627 residents
- Gatesville 16,388 residents
- Hewitt 16,749 residents
- Taylor 17,872 residents
Belton owners, answered
01How many providers practice in Belton, and in what?
Across 22 fields, Belton carries 198 enumerated clinicians, 77.2 per 10,000 of the 25,635 people living here. The concentration is in physical, occupational, and speech therapy, 68 of the total, then primary care and family medicine at 29. Count practices from that only with care.
02What does Bell County's shortage designation change?
Designated for primary care, dental, mental health, Bell County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
03Why does Bell County show so little SBA activity?
Only 6 healthcare approvals appear for Bell County in the published 7(a) and 504 file. Thin volume in Bell County is a transaction count, not a verdict on borrowers here. The county still holds 159 credit intermediation establishments.
04Is Belton underwritten as part of Killeen-Temple, TX?
Partly. Killeen-Temple, TX is 15 miles out, so rent and equipment comparables travel in from there while patients still come from the 25,635 residents around Belton. Cost side metro, revenue side local.
05How does the hospital in Belton affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. A Belton projection that names the call arrangement reads better than one that assumes it.
06What does a $63,544 median income mean for case acceptance?
Median household income in Belton runs $63,544. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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