Temple, Texas.
Typical home $243,946 (-3.0% in a year), asking rent $1,383 (+0.4%). Killeen-Temple, TX metro.
to buy the typical home at today's mortgage rate — +$650 (+103%) since Jan 2020.
- 1 year
- Down $7,585 -3%
- $251,531$243,946 since Sep 2025
- 5 years
- Up $20,417 +9%
- $223,529$243,946 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Temple$1,280
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 40 years.
Typical home values in Temple, TX fell 3.0% over the past year — slower than the nation's +1.2%.
Asking rents in Temple, TX rose 0.4% over the past year — slower than the nation's +2.7%.
Owning the typical home in Temple runs $452/mo more than renting one. The gap peaked at $698 in Oct 2022.
That is $1,835 a month against $1,383 rent: a $1,280 mortgage payment, plus $293 property tax and $261 insurance & upkeep.
Owning vs renting — Temple
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,835
- Renting$1,383
- Mortgage only$1,280
Property tax · $293/mo 1.44% of value a year — the ACS 2020-2024 median bill over the median home value for Bell County, TX
Insurance & upkeep · $261/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Temple, Bell County, Texas
Temple is a city of 82,073 people in Bell County. Half its households earn more than $68,204 a year and half less, against $68,865 across Bell County; 16% of its people live below the poverty line. 52% of its homes are lived in by their owners and 48% are rented. Unemployment in Temple was 5.1% in August 2026, and Bell County had 0.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Temple is a city in Bell County, Texas, with a younger population than the typical American town. Household incomes sit just below the county's, and owners and renters are fairly evenly balanced among those who live in town, so renting is common. Winters are mild and rarely bring snow, summers are hot, and rain comes through the year.
Work. Many residents work in schools, hospitals and social care, followed by restaurants, hotels and entertainment, shops and manufacturing. Health care anchors the local job market, with Scott and White Memorial Hospital, Baylor Scott & White Health and the Veterans Health Administration among the largest workplaces in the city. Most people have a fairly short commute, and a modest share work from home.
Things to do. Belton Lake, a reservoir, is a short drive away, as is the Lampasas River. In or beside town, the Temple Railroad and Heritage Museum covers the area's history. Mother Neff State Park, a protected area, is a longer drive away.
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- 34,514households
- 31%of adults have a degree
- 16%below the poverty line
- 21 mintypical commute
- 11%work from home
What residents work in
Employed residents by industry, from the Census survey. Bell County had 130,527 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 60° and lows near 36°; warmest in August, with highs near 96° and lows near 72°. About 37 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Stillhouse Hollow Dam weather station, 10 miles away (NOAA).
Largest workplaces in Temple
- Scott and White Memorial HospitalGeneral hospital7,067FTE
- Baylor Scott & White Health4,950
- Veterans Health AdministrationFederal government · Department of Veterans Affairs2,766
- Baylor Scott & White Health1,444
- H-E-BRetail1,280
- Scott & White Health Plan961
- Baylor Scott & White McLane Children's Medical Center817
- PactivPolystyrene foam product manufacturing698
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 106 workplaces with 20 or more staff, 27,716 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailRelatively high
- TornadoesRelatively high
- Winter weatherRelatively high
- LightningRelatively high
- Cold wavesrelatively high in parts of TempleRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Temple’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Bell County and the Killeen-Temple, TX metro.
Temple home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Temple$243,946
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 Temple listings, and the typical home goes pending in 58 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Temple29.53%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Temple58
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Temple652
New listings per month
Sellers arriving at the market.
- Temple121
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Temple$246,673
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Temple97.66%
Zip codes with a Temple address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Temple — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Temple
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 76502 | Temple | 52,669 | $1,582 | $272,694 |
| 76504 | Temple | 26,166 | $1,264 | $186,892 |
| 76501 | Temple | 17,752 | $1,355 | $186,982 |