In Temple, a typical home is worth $232,800 and typical rent is $1,384 a month. Compared with all of Carroll County, typical household income is 24% higher, typical rent is 20% higher, and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $225,043 to $283,042.
Typical rent
$1,940a month
Typical rent from Zillow, March 2026 to September 2026: from $1,658 to $1,940.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Temple is in Carroll County. The FHA loan limit ($718,750 for a one-unit home), the fair market rents and the help on this page are those of all of Carroll County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Bremen, the typical rent is $951: 31% less than in Temple ($1,384).
2
Temple has the 10th highest homeownership rate of the 165 cities in Georgia with more than 5,000 people (83%).
3
The typical household income in Temple is $91,180,24% more than in Carroll County as a whole ($73,714).
4
The typical rent in Temple is $1,384 a month, 20% more than in Carroll County as a whole ($1,153).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Temple
What homes there are in Temple, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Temple
Carroll County
Georgia
United States
Kind of home: Temple and its comparisons
Measure
Temple
Carroll County
Georgia
United States
Detached house
84%
73%
66%
61%
Attached house
Unreliable estimate
2%
4%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
8%
16%
19%
Mobile home
Unreliable estimate
11%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Temple, 8 in 10 homes are single-family detached houses; in Carroll County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Temple
Carroll County
Georgia
United States
Year built: Temple and its comparisons
Measure
Temple
Carroll County
Georgia
United States
Before 1960
Unreliable estimate
12%
12%
26%
1960–1979
23%
21%
20%
24%
1980–1999
Unreliable estimate
33%
33%
25%
2000–2009
45%
25%
21%
14%
2010 or later
Unreliable estimate
9%
14%
11%
Here half of the homes date from 2000 or later; in Carroll County, from 1991 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K44%
$300K–$500K22%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Temple and its comparisons
Measure
Temple
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
44%
$300K–$500K
22%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Temple and its comparisons
Measure
Temple
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,375 a month
Carroll County: $1,477 a month
Without a mortgage
$501 a month
Carroll County: $498 a month
Owners with a mortgage
72%
Carroll County: 59%
The typical cost for an owner with a mortgage in Temple is $1,375 a month, less than in Carroll County ($1,477); without one, $501.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Temple+91%
Carroll County+85%
Georgia+72%
United States+53%
Typical rent
Temple+57%
Carroll County+32%
Georgia+39%
United States+33%
Typical household income
Temple+56%
Carroll County+37%
Georgia+32%
United States+29%
Change since 2015–2019: Temple and its comparisons
Measure
Temple
Carroll County
Georgia
United States
Typical home value
+91%
+85%
+72%
+53%
Typical rent
+57%
+32%
+39%
+33%
Typical household income
+56%
+37%
+32%
+29%
The typical home value in Temple rose 91% since 2015–2019, more than in Carroll County (85%).
Rents in Temple rose faster than in Carroll County: 57% since 2015–2019, against 32%.
While home values in Temple changed +91% and rent +57%, the typical household income rose 56%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Temple and its comparisons
Measure
Temple
Carroll County
Georgia
United States
Rental vacancy
Unreliable estimate
3.0%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.6%
2.4%
3.4%
People per household
3.33
2.75
2.62
2.53
Drive alone
70%
75%
71%
69%
Carpool
Unreliable estimate
12%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
1%
3%
Work from home
Unreliable estimate
10%
16%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 3.33 on average, against 2.75 in Carroll County.
In Temple, 70% of workers drive alone to work; in Carroll County, 75%.
Do the math
What would you pay each month for a home in Temple?
A typical home is within reach of the typical income
We start with a typical home in Temple, worth $232,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Temple, which is $91,180 a year.
The calculator's FHA and conventional loan limits are those of all of Carroll County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Temple. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,148 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,888
at 7.18% · 30 years
Loan amount
$228,583
Total interest
$328,878
Paid off in
November 2056
Includes $3,931 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,128 a month
Your payment · 25%
Tight
$2,128 to $2,735 a month
Hard
more than $2,735 a month
Compared with the typical household income in Temple ($91,180 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,549
Property tax
$140
Home insurance
$97
FHA mortgage insurance (MIP)
$103
You need at least $8,148 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,888; principal and interest $1,549.
The city and its county
Temple and Carroll County
Temple is in Carroll County, Georgia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Temple
Map of Carroll County, Georgia, with Temple marked. Around it, the neighboring counties.
Temple
Carroll County
Other cities with a page
Temple's own numbers
Typical home value
$232,800
Typical monthly rent
$1,384
Typical yearly household income
$91,180
Households that own their home
83%
Effective property tax rate
0.72%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Carroll County
FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,762
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Carroll County.
A typical home in Temple is worth $232,800: 9% below the county and 23% below Georgia. With the typical household income in Temple ($91,180 a year), a typical home costs 2.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Temple2.6 years
Carroll3.5 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Carroll County
According to FHFA’s house price index, home prices in Carroll County rose 122% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Carroll County.
Yearly change in FHFA’s price index in Carroll County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +8.0% +8.0% 2017
2018: +10.0% +10.0% 2018
2019: +6.0% +6.0% 2019
2020: +6.1% +6.1% 2020
2021: +15.3% +15.3% 2021
2022: +20.9% +20.9% 2022
2023: +8.1% +8.1% 2023
2024: +4.5% +4.5% 2024
2025: +1.0% +1.0% 2025
Change in FHFA’s price index in Carroll County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+1.0%
+2.2%
+2.9%
5 years (2020–2025)
+59%
+58%
+47%
10 years (2015–2025)
+122%
+110%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Temple next to Carroll County, Georgia and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Temple$232,800
Carroll$255,100
Georgia$303,300
United States$332,700
Typical monthly rent
Temple$1,384
Carroll$1,153
Georgia$1,393
United States$1,413
Typical yearly household income
Temple$91,180
Carroll$73,714
Georgia$77,353
United States$80,734
See the full table
Temple next to Carroll County and Georgia
Measure
Temple
Carroll County
Georgia
U.S.
Typical home value
$232,800 ▼9% below the county
$255,100
$303,300
$332,700
Typical monthly rent
$1,384 ▲20% above the county
$1,153
$1,393
$1,413
Typical yearly household income
$91,180 ▲24% above the county
$73,714
$77,353
$80,734
Households that own their home
83% ▲11 points above the county
71%
66%
65%
Typical yearly property tax
$1,667 ▲6% above the county
$1,566
$2,341
$3,119
Effective property tax rate
0.72% ▲0.11 points above the county
0.61%
0.77%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Carroll County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Temple
For a typical $232,800 home in Temple, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Temple's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,888a month
Least cash to close
Down payment
$8,148
Cash to close
$15,132
Rate
7.18%
Mortgage insurance
FHA MIP · $103
Conventional, 5% down$1,845a month
Down payment
$11,640
Cash to close
$18,624
Rate
7.18%
Mortgage insurance
PMI · $111
Conventional, 20% down, no PMI$1,498a month
Down payment
$46,560
Cash to close
$53,544
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,714a month
Down payment
$34,920
Cash to close
$41,904
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Temple
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,888
$8,148
$228,583
7.18%
FHA MIP · $103
$15,132
580
Conventional, 5% down
$1,845
$11,640
$221,160
7.18%
PMI · $111
$18,624
620*
Conventional, 20% down, no PMI
$1,498
$46,560
$186,240
7.18%
None
$53,544
620*
ITIN, 15% down (example)
$1,714
$34,920
$197,880
8.18%
None
$41,904
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Temple is $1,384 a month: 20% above the county.
HUD publishes a fair market rent for all of Carroll County, by unit size. To pay the 2-bedroom one ($1,762 a month) without spending more than 30% of your income, you would need to earn $33.88 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Carroll County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,554
$29.88
$62,160
1 bedroom
$1,619
$31.13
$64,760
2 bedrooms
$1,762
$33.88
$70,480
3 bedrooms
$2,099
$40.37
$83,960
4 bedrooms
$2,493
$47.94
$99,720
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Temple
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Temple is in ZIP code 30179.
For 2 bedrooms it is $1,300: $462 less than the fair market rent for Carroll County ($1,762).
Fair market rent by ZIP code and size in Temple, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30179
$1,130
$1,170
$1,300
$1,550
$1,860
ZIP code2 bd3 bd
30179 $1,300$1,550
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Temple when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Carroll County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Temple or Carroll County. The ones below are statewide in Georgia: they work in Temple the same as in the rest of the state.
Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments.Offered by Georgia Department of Community Affairs.
FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement.Offered by Georgia Department of Community Affairs.
No legal help resource on our list is for Temple or Carroll County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Temple and all of Carroll County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Temple?
The typical home value in Temple is $232,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Carroll County it is $255,100.
How much does it cost to rent in Temple?
Typical rent in Temple is $1,384 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Carroll County is $1,762.
What is the FHA loan limit in Temple?
Temple uses the FHA limit for all of Carroll County (2026): $718,750 for a one-unit home and $1,382,250 for a four-unit home.
How much property tax do owners pay in Temple?
The typical homeowner in Temple pays $1,667 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Carroll County, the rate is 0.61%.
Where can I find free help to buy or rent in Temple?
We found no HUD-approved counseling agencies with an office in Carroll County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
