Temple, TX 76501 Housing Market

The typical Temple, TX 76501 home is worth about $187K as of September 2026, down 4.6% from a year ago. That is the Zillow Home Value Index for the ZIP, a smoothed measure of the middle of the market rather than the price of any one home.

Homes in Temple, TX 76501 spent a median of 93 days on the market as of September 2026. Well-priced homes can move faster; the median counts everything that sold, including homes that needed a price cut first.

By the numbers, Temple, TX 76501 is leaning toward buyers. Homes are taking a median of 93 days to sell, and 17% of active listings had a price reduction as of September 2026. Longer waits and more price cuts give buyers room to negotiate; the opposite favors sellers.

The median list price in Temple, TX 76501 was $246K as of September 2026. List price is the asking price, not the sale price, so treat it as where sellers are starting rather than where deals are closing.

The effective property tax rate in Temple, TX 76501 is about 1.44%, with a median annual bill of about $2,175 and homeowners insurance estimated near $2,200 a year, based on the latest American Community Survey estimates (2023). Your actual bill depends on your assessed value and any exemptions you claim.

At the current 30-year fixed average of 7.40% (Freddie Mac, week of October 2026), a typical Temple, TX 76501 home at $187K with 20% down works out to roughly $1,036 a month in principal and interest, before taxes and insurance. Rates move weekly, so treat this as a starting point rather than a quote.