The story of this market
The typical home in Temple, Texas sells for about $250,559, or $165 per square foot.
Prices are down 2.2% from a year ago, which gives buyers more room to negotiate. Homes take about 71 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,450 a month.
Monthly price momentum
Home values since 2015
+1.1%
TX · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Temple, Texas
The Temple housing market is currently experiencing a period of price stabilization following years of rapid growth. While inventory levels have increased, demand remains supported by the city's strong healthcare-driven economy and steady population influx. Buyers are finding more leverage than in previous years, though the market remains competitive for well-priced, move-in-ready homes.
No ARED county foreclosure postings attributed to Temple yet — the verified ledger covers every county the foreclosure ingest has read, attributed by published city area. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Deterministic aggregate of 3 researched ZIP reports of 4 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Median prices moved down 2.5% year over year.
Homes spend a median of 70 days on market with 10.1 months of supply — a slower-moving market.
24% of listings have cut prices · homes sell at 97.69% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 12.9% — a stable, low-distress profile.
The amenity base that shapes daily life and property demand in this city — what residents actually live with, and what the pipeline is adding.
A regional shopping destination serving as a primary retail anchor for the city and surrounding communities.
A large reservoir offering boating, fishing, and camping, serving as a major outdoor attraction for the region.
A central community park providing green space, sports fields, and recreational facilities for local families.
Temple is an ideal fit for families and professionals seeking a balance between affordability and access to major employment hubs. Its central location makes it attractive to commuters working in the Austin-Waco corridor, while the presence of major medical employers provides stability for long-term residents and investors.
Temple ISD is the primary district, characterized by a diverse student body and a focus on expanding advanced academic and extracurricular opportunities. Schools in the area generally meet state accountability standards, with ongoing efforts to improve performance metrics across all campuses.
The city is served by the I-35 highway, which acts as the primary transit artery for the region. Commuters rely heavily on personal vehicles, though the city maintains local road infrastructure to support its growing population.
The city offers a robust amenity base including Miller Park and proximity to Lake Belton, which provides extensive water-based recreation. Residents also benefit from a growing network of trails, local shopping districts like the Temple Mall, and various community sports facilities.
The rental market in Temple is characterized by moderate vacancy pressure and steady demand, supported by the city's growing workforce. Rent trajectories have stabilized following a period of rapid appreciation, with a mix of traditional apartment complexes and single-family rental homes.
Temple's economy is anchored by the healthcare sector, specifically Baylor Scott & White Health, alongside a strong logistics and manufacturing base. The city continues to see economic momentum driven by its strategic location on the I-35 corridor.
Temple serves as a major medical and logistics hub in Central Texas, anchored by the Baylor Scott & White Health system. Significant infrastructure investment and commercial development continue to drive economic momentum, attracting new residents and businesses to the region.
Development is focused on expanding residential capacity and supporting the medical district. Major projects include infrastructure upgrades to accommodate the rapid population growth observed since 2020.
Parcels in Temple are subject to various special districts, including Temple ISD, local hospital districts, and potential utility or drainage districts in newer developments.
Temple experiences crime rates generally consistent with regional averages for Central Texas cities of its size. Local law enforcement focuses on community-oriented policing to address property crime trends, which remain the primary concern for residents.
The area is subject to typical Central Texas weather risks, including severe thunderstorms, occasional hail, and high winds. While not in a high-risk coastal zone, localized flooding in low-lying areas near creeks remains a consideration for property owners and insurance premiums.
Property insurance premiums in the area are influenced by regional weather patterns, with a focus on wind and hail coverage due to Central Texas climate risks.
Property taxes in Temple are levied by the city, Bell County, and Temple ISD, with rates determined by annual appraisals from the Bell County Appraisal District. Residents may qualify for standard homestead exemptions, which provide some relief against rising property valuations.
Researched annual trajectory for this city, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this city's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Data retrieved from Census Reporter and U.S. Census Bureau QuickFacts.
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.