In Temple, a typical home is worth $239,000 and typical rent is $1,231 a month. Home values, rent and income are very close to those of all of Bell County.
Typical home value from Zillow, September 2021 to September 2026: from $223,529 to $243,946.
Typical rent
$1,383a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,272 to $1,383.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Temple is in Bell County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Bell County. See the county
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
Bell County
Texas
United States
Kind of home: Temple and its comparisons
Measure
Temple
Bell County
Texas
United States
Detached house
65%
65%
64%
61%
Attached house
3%
4%
3%
6%
Building of 2 to 4
9%
11%
5%
8%
Apartments (5 or more)
20%
14%
21%
19%
Mobile home
3%
6%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Bell County, most homes in Temple are detached houses (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Temple
Bell County
Texas
United States
Year built: Temple and its comparisons
Measure
Temple
Bell County
Texas
United States
Before 1960
14%
8%
12%
26%
1960–1979
21%
20%
21%
24%
1980–1999
23%
28%
28%
25%
2000–2009
13%
19%
18%
14%
2010 or later
29%
25%
21%
11%
In Temple, half of the homes were built before 1991; in Bell County, before 1996.
There are fewer big homes in Temple than in Bell County: 61% have 3 bedrooms or more, against 69%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K12%
$100K–$200K24%
$200K–$300K36%
$300K–$500K24%
$500K–$750K4%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Temple and its comparisons
Measure
Temple
Under $100K
12%
$100K–$200K
24%
$200K–$300K
36%
$300K–$500K
24%
$500K–$750K
4%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 95% of owner-occupied homes in Temple are worth less than the FHA loan limit for Bell County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5004%
$500–$99921%
$1,000–$1,49943%
HUD fair market rent, 2 bedrooms: $1,138
$1,500–$1,99920%
$2,000–$2,4999%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Temple and its comparisons
Measure
Temple
Under $500
4%
$500–$999
21%
$1,000–$1,499
43%
$1,500–$1,999
20%
$2,000–$2,499
9%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
Measured against HUD's 2-bedroom fair market rent ($1,138), about 37% of rented homes in Temple cost less.
With a mortgage
$1,729 a month
Bell County: $1,722 a month
Without a mortgage
$587 a month
Bell County: $609 a month
Owners with a mortgage
61%
Bell County: 63%
Owning costs about the same in Temple as in Bell County: with a mortgage, $1,729 a month; without one, $587.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Temple+67%
Bell County+63%
Texas+65%
United States+53%
Typical rent
Temple+39%
Bell County+32%
Texas+34%
United States+33%
Typical household income
Temple+24%
Bell County+26%
Texas+27%
United States+29%
Change since 2015–2019: Temple and its comparisons
Measure
Temple
Bell County
Texas
United States
Typical home value
+67%
+63%
+65%
+53%
Typical rent
+39%
+32%
+34%
+33%
Typical household income
+24%
+26%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Temple rose 67%; in Bell County, it rose 63%.
Since 2015–2019, the typical rent in Temple rose 39%, more than in Bell County (32%).
Housing prices ran ahead of income in Temple: typical income rose 24%, against +67% for home values and +39% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Temple and its comparisons
Measure
Temple
Bell County
Texas
United States
Rental vacancy
5.3%
5.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.1%
0.9%
More than one person per room
4.0%
4.2%
4.8%
3.4%
People per household
2.55
2.65
2.69
2.53
Drive alone
74%
76%
71%
69%
Carpool
12%
11%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
1%
2%
2%
3%
Work from home
11%
9%
14%
15%
Other means
2%
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Temple look like those in Bell County: the rental vacancy rate is 5.3%.
Much as in Bell County, 4.0% of households in Temple have more than one person per room.
Much as in Bell County, a household in Temple has 2.55 people on average.
The car rules in Temple: 74% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Temple?
A typical home costs more than the typical income allows
We start with a typical home in Temple, worth $239,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Temple, which is $68,204 a year. For that payment to be 28% of income, a household would need to earn about $90,331 a year.
The calculator's FHA and conventional loan limits are those of all of Bell 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 $8,365 (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
$2,108
at 7.18% · 30 years
Loan amount
$234,671
Total interest
$337,637
Paid off in
November 2056
Includes $4,036 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,591 a month
Tight
$1,591 to $2,046 a month
Hard
more than $2,046 a month
Your payment · 37%
Compared with the typical household income in Temple ($68,204 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,590
Property tax
$313
Home insurance
$100
FHA mortgage insurance (MIP)
$106
You need at least $8,365 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 $2,108; principal and interest $1,590.
The city and its county
Temple and Bell County
Temple is in Bell County, Texas. 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 Bell County, Texas, with Temple marked. Around it, the neighboring counties.
Temple
Bell County
Other cities with a page
Temple's own numbers
Typical home value
$239,000
Typical monthly rent
$1,231
Typical yearly household income
$68,204
Households that own their home
52%
Effective property tax rate
1.57%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bell County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,138
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.1%
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 Bell County.
A typical home in Temple is worth $239,000: about the same as the county and 16% below Texas. With the typical household income in Temple ($68,204 a year), a typical home costs 3.5 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.
Temple3.5 years
Bell3.5 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Bell County
According to FHFA’s house price index, home prices in Bell County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Bell County.
Yearly change in FHFA’s price index in Bell County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +4.3% +4.3% 2017
2018: +5.9% +5.9% 2018
2019: +6.6% +6.6% 2019
2020: +4.9% +4.9% 2020
2021: +17.1% +17.1% 2021
2022: +22.7% +22.7% 2022
2023: +4.1% +4.1% 2023
2024: +1.9% +1.9% 2024
2025: −2.1% −2.1% 2025
Change in FHFA’s price index in Bell County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−2.1%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+92%
+88%
+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 Bell County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Temple$239,000
Bell$241,000
Texas$283,800
United States$332,700
Typical monthly rent
Temple$1,231
Bell$1,224
Texas$1,403
United States$1,413
Typical yearly household income
Temple$68,204
Bell$68,865
Texas$78,476
United States$80,734
See the full table
Temple next to Bell County and Texas
Measure
Temple
Bell County
Texas
U.S.
Typical home value
$239,000
$241,000
$283,800
$332,700
Typical monthly rent
$1,231
$1,224
$1,403
$1,413
Typical yearly household income
$68,204
$68,865
$78,476
$80,734
Households that own their home
52% ▼4 points below the county
57%
63%
65%
Typical yearly property tax
$3,749 ▲8% above the county
$3,476
$4,232
$3,119
Effective property tax rate
1.57% ▲0.13 points above the county
1.44%
1.49%
0.94%
Renters with high rent for their income
50% ▼1 points below the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bell 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 $239,000 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$2,108a month
Least cash to close
Down payment
$8,365
Cash to close
$15,535
Rate
7.18%
Mortgage insurance
FHA MIP · $106
Conventional, 5% down$2,064a month
Down payment
$11,950
Cash to close
$19,120
Rate
7.18%
Mortgage insurance
PMI · $114
Conventional, 20% down, no PMI$1,708a month
Down payment
$47,800
Cash to close
$54,970
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,928a month
Down payment
$35,850
Cash to close
$43,020
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
$2,108
$8,365
$234,671
7.18%
FHA MIP · $106
$15,535
580
Conventional, 5% down
$2,064
$11,950
$227,050
7.18%
PMI · $114
$19,120
620*
Conventional, 20% down, no PMI
$1,708
$47,800
$191,200
7.18%
None
$54,970
620*
ITIN, 15% down (example)
$1,928
$35,850
$203,150
8.18%
None
$43,020
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 $1,231 a month: about the same as the county. In Temple, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Bell County, by unit size. To pay the 2-bedroom one ($1,138 a month) without spending more than 30% of your income, you would need to earn $21.88 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 Bell County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$921
$17.71
$36,840
1 bedroom
$927
$17.83
$37,080
2 bedrooms
$1,138
$21.88
$45,520
3 bedrooms
$1,576
$30.31
$63,040
4 bedrooms
$1,902
$36.58
$76,080
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 has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,110 in 76501 to $1,380 in 76502.
2 of the 3 are above the fair market rent for Bell County ($1,138).
2-bedroom fair market rent in each of the 3 ZIP codes of Temple, beside the one for Bell County. For 2 bedrooms it runs from $1,110 in 76501 to $1,380 in 76502. 2 of the 3 are above the fair market rent for Bell County ($1,138).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,138
Lowest: $1,110 (76501)Highest: $1,380 (76502)
Fair market rent by ZIP code and size in Temple, fiscal year 2027.
76501
$890
$900
$1,110
$1,540
$1,870
76502
$1,120
$1,120
$1,380
$1,910
$2,310
76504
$1,000
$1,010
$1,240
$1,720
$2,070
ZIP code2 bd3 bd
76501 $1,110$1,540
76502 $1,380$1,910
76504 $1,240$1,720
3 of these ZIP codes cross 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)
HUD lists 13 buildings with rents for lower incomes in Temple. These are the largest.
Canyon Creek3915 S 31st ST, Temple 76502200 low-income homes · For families(254) 773-0101
Renata Square1811 E Avenue K, Temple 76501160 low-income homes · For families(254) 778-7568
JMH/CV/WB Fam711 W Calhoun Ave, Temple 76501144 low-income homes · Run by Housing Authority of Temple · Average payment: $347 a month · Average wait: 6 months(254) 773-2009
Village at Meadowbend Apts2787 S Mlk Dr, Temple 76504138 homes, 103 low-income · In service since 2003
Lofts at Temple Medical DistrictNW of 400 SW H K Dodgen Loop (e of Scott and White Blvd.), Temple 76504120 homes, 102 low-income · For older adults, people with disabilities, families, people experiencing homelessness
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.
There is 1 HUD-approved agency with an office in Bell County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Temple or Bell County. The ones below are statewide in Texas: they work in Temple the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Temple or Bell 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 Bell 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 $239,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bell County it is $241,000.
How much does it cost to rent in Temple?
Typical rent in Temple is $1,231 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bell County is $1,138.
What is the FHA loan limit in Temple?
Temple uses the FHA limit for all of Bell County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Temple?
The typical homeowner in Temple pays $3,749 a year, according to the U.S. Census Bureau. That is 1.57% of the home’s value; in Bell County, the rate is 1.44%.
Where can I find free help to buy or rent in Temple?
There is 1 HUD-approved counseling agency with an office in Bell County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
