Temple TX Housing Market
September 2026 Update
In the observed CTXMLS Residential records labeled Temple, the September 1–30, 2026 median closing price was $270,000 across 105 closings. A separate October 3, 2026 snapshot contained 640 Active properties. These screened MLS records are not a complete city-market census. Use the figures to frame a property comparison, not to assume a discount or predict prices.
What does this Temple housing report mean for a buyer?
Start with comparable homes and the full ownership cost. September 2026 closings and October 3, 2026 inventory describe different groups of Temple-labeled Residential MLS records. A lower citywide median or an earlier asking-price cut does not establish what a particular seller will accept. The tables below separate completed prices, current asking prices and the questions that still need a property-specific answer.
Read the source, filters and limits · Use the buyer and seller checklist
What did Temple homes close for in September 2026?
The median closing price was $270,000 among 105 observed September 1–30, 2026 closing events in screened CTXMLS Residential records with MLS City=Temple. All 105 had usable prices and appeared in the October 3, 2026 export. The screen excludes prices below $15,000 and records with positive exported LeasePrice. This is a median, not an arithmetic average; it is neither a detached-only series nor a complete municipal-market census.
To view all columns, scroll sideways when needed. Keyboard: Tab to the table region, then use the Left and Right Arrow keys.
| Metric | July 1–31, 2026 Archival comparison | September 1–30, 2026 Observed October 3, 2026 |
|---|---|---|
| Observed closing events | 147 | 105 |
| Median closing price | $265,000 · n=147 | $270,000 · n=105 |
| Median exported days on market (DOM) | 57 days · n=147 | 71 days · n=105 |
| Median individual closing price per square foot | $154.2/sq ft · n=146 | $155.5/sq ft · n=105 |
Source: Taylor Dasch’s calculation from verified CTXMLS exports. Methods and metric exclusions. July uses an archival compilation with older observation dates; September uses the October 3, 2026 pull; late-reported closings may change its results. July remains an archival comparison, so this is not a consecutive-month comparison. These are observed cohorts, not guaranteed complete market totals.
The captured Temple Residential MLS cohorts show 105 September 2026 closings versus 147 in July 2026: 42 fewer, or 28.6%. Their median closing price was 1.9% higher in September. July’s archival observation dates differ from September’s October 3, 2026 observation, and the homes sold differ. This does not measure the same homes gaining value or establish why activity changed.
A useful second check: the closing-price median was higher and the median individual price per square foot was also higher in September than in the retained July cohort. Neither measure controls for condition, size or location. Compare actual properties before turning either number into a valuation.
What was available in the October 3, 2026 snapshot?
Observed October 3, 2026, the screened CTXMLS Residential records with MLS City=Temple contained 640 included Active properties. Of those, 350 were below their exported original asking price: 54.7%. This describes the current listing episode, not cuts made during October, reductions before a relist or a discount still available to negotiate. The snapshot does not include every off-market or unlisted home.
To view all columns, scroll sideways when needed. Keyboard: Tab to the table region, then use the Left and Right Arrow keys.
| Metric | Observed value | Usable records |
|---|---|---|
| Included Active properties | 640 | 642 source rows before identity and duplicate checks |
| Median exported asking price | $280,000 | 640 |
| Median exported DOM | 73 days | 639; one conflicting duplicate DOM omitted |
| Median individual asking price per square foot | $161.2/sq ft | 638; two area-ratio exclusions |
| Currently below exported original ask | 350 of 640 · 54.7% | 640 valid original asking prices |
| Median net reduction among those below original ask | 5.1% | 350 reduced properties only |
Source: the October 3, 2026 CTXMLS pull and the same Residential screen. One duplicate observation and one unusable street identity are removed from 642 Active rows, leaving 640. Separately, 105 Pending and 39 Active Under Contract properties were observed; neither count is included in Active stock or represents new contracts during October.
If a home is advertised below its original price, that earlier reduction is already reflected in today’s ask. It is not an additional discount to subtract. Review the home’s current competing listings, condition and written terms before choosing an offer.
How much of the observed market was below $300,000?
To view all columns, scroll sideways when needed. Keyboard: Tab to the table region, then use the Left and Right Arrow keys.
| Price band | September 1–30, 2026 closings 105 events | October 3, 2026 Active stock 640 properties |
|---|---|---|
| $15,000 to less than $300,000 | 70 · 66.7% | 376 · 58.8% |
| $300,000 or more | 35 · 33.3% | 264 · 41.3% |
Source: the same CTXMLS observed cohorts and filters. Exactly $300,000 belongs in the second band. The $15,000 floor is an analytic screen, not an advertised available home price. Counts reconcile to each table’s population.
These shares help frame a budget search. They do not show that lower-priced homes sell faster, or that 66.7% of today’s listings are below $300,000. Start with the Temple buyer guide and home-search routes to investigate actual options, then check current status and condition.
What do the price ratios say about negotiation?
For 105 observed September 1–30, 2026 closings in screened CTXMLS Residential records with MLS City=Temple, the median closing-price-to-original-asking-price ratio was 97.6%. The median ratio to exported ListPrice was 100.0%, but that field is not verified as the asking price immediately before contract. Both ratios had 105 usable observations from the October 3, 2026 export. Neither includes seller credits or establishes a discount from today’s asking price; these are not complete-city or detached-only statistics.
The original-ask ratio includes price changes earlier in a listing. Do not turn 97.6% into a standard 2.4% reduction to request, subtract the two medians to estimate negotiation, or read 100.0% as “every seller got full price.” The ratios are medians of individual closing-event ratios. See the field definitions.
A seller originally asks $300,000, reduces the price to $285,000 before contract and closes at $280,000. The sale is 93.33% of original ask but 98.25% of the last pre-contract ask. The $20,000 total difference includes a $15,000 earlier markdown and a $5,000 later price difference. Neither ratio tells you whether the seller also paid closing costs.
New construction needs its own comparison. This dataset does not verify never-occupied status, construction stage or seller credits. Year built alone cannot separate a new home from a recently built resale. Compare the actual price, completion/possession timing, written incentive conditions and financing costs; use the Temple new-construction guide for that separate decision.
For local development context, the Temple data-center research guide separates project approvals, construction and operation; these MLS figures do not establish a data-center effect on home prices.
What should a buyer or seller do with these numbers?
For a buyer: compare the home, the payment and the terms
- Choose genuinely comparable homes. Compare location, size, condition, features and current competition. A citywide median is a reference point, not an offer price for an address.
- Separate price from cash and financing. Ask for the purchase price, any seller-paid costs, lender conditions, fees and payment after any temporary subsidy. Use a written Loan Estimate to compare financing terms.
- Calculate the whole ownership cost. Include property-specific taxes, insurance, mortgage insurance where applicable, HOA costs and maintenance. The Temple property-tax guide and cost-of-living guide explain the separate budget checks.
- Check current facts before acting. Confirm listing status, condition, documents and your financing. Ask what would change the offer if one of those facts differs from the advertised description.
For a seller: use your competing set, not the city median
Compare current competition and recent genuinely comparable closings before setting a price. An original-ask ratio does not prove how far to overprice, and exported DOM does not predict your sale date. Distinguish an asking-price change from seller-paid costs and compare the expected net proceeds under actual proposed terms. The seller guide covers the next planning steps.
A useful question to bring to Taylor
“For this home and my timing, which comparable sales and competing listings matter, what would the full ownership cost be, and which price or contract terms should we evaluate?” Include the property link, budget and timing in your inquiry. Do not put account numbers or sensitive financial documents in the form.
Send Taylor My QuestionWho is responsible for this report?
This report uses Taylor Dasch’s local CTXMLS export archive and documented calculations. It combines observed sales with a separately dated inventory snapshot to support a property-specific conversation. It does not claim a forecast, a valuation or a guaranteed negotiation result.
Questions about a figure or its meaning can go to dealswithdasch@gmail.com or Call (254) 718-4249. About Taylor.
What’s Really Happening to Temple TX Home Prices
This existing video provides earlier commentary. It is not a recording of the September 29, 2026 data review. Use the dated written tables and methods on this page for the current report; earlier figures, forecasts or generalized market labels in the video do not establish today’s property terms.
Correction to the recording, reviewed September 29, 2026: The video’s comparison of client and market results is unverified and does not establish a discount advantage from working with Taylor. Its suggestions of breaking even within two years or selling in fewer than 60 days are not verified assurances. Evaluate affordability using the financing terms available to you now; do not assume you will qualify for refinancing or save money by doing so. No purchase discount, resale profit, sale deadline or refinancing outcome is promised.
What does this report count as Temple?
First-party calculations checked October 24, 2026; source observation dates are unchanged. Source: CTXMLS exports retained in Taylor Dasch’s local market archive. These calculations select records whose exported PropertyType is Residential and whose exported City field is exactly Temple. It is not a municipal-boundary, ZIP-code, school-district or detached-single-family-only series. MLS-reported records do not capture all off-market sales or unlisted builder inventory; later reporting or corrections can change results.
- Sales window: CloseDate September 1–30, 2026, inclusive; all 105 included events appear in the October 3, 2026 export. July 1–31, 2026 is a supported archival comparison compiled from verified overlapping exports, with older days last observed earlier. It is not a fully refreshed July census.
- Inventory window: Status=Active at October 3, 2026. Pending and Active Under Contract are separate stock counts. September covers the full calendar month as observed October 3, 2026; late-reported closings and later corrections may change the count and medians.
- Screen and identity: relevant closing or asking price must be valid and at least $15,000; records with positive LeasePrice are excluded. Repeated observations use normalized street identity including direction/unit; closings also use CloseDate. Listing/parcel identifiers are unavailable, so this is a proxy, not certified transaction identity. Within each selected status and window, equal-price duplicates retain the last source row; its recency is not verified. Conflicting-price groups are withheld, and conflicting duplicate metric values are omitted only from that metric. One previously excluded September record was restored after a street-name parsing error; other unresolved identities remain excluded.
- Medians and denominators: each table lists its usable n. Money medians round to the nearest $100; other metrics round to one decimal. Medians of individual ratios are not ratios of aggregate medians. Whole price-band partitions are withheld if any nonzero cell has fewer than 10 records.
- Days on market: the exported DOM field retains zero and omits missing, negative or nonfinite values. Its precise clock-stop and relist-reset rules are not established. DOM here is not cumulative market time, contract-to-close time or a selling-time forecast.
- Price per square foot: median of individual price ÷ exported SqFtTotal, with positive area and ratios screened to $25–$900/sq ft. July closings omit one record only from this metric; October 3, 2026 Active stock omits two. Exported area is not independently surveyed.
- Price ratios and reductions: closed ratios use ClosePrice divided by OriginalListPrice or exported ListPrice. Closed CurrentPrice is not an asking-price denominator. Exported ListPrice is not verified as final pre-contract ask. Active reductions compare ListPrice with OriginalListPrice within the exported listing episode, without full relist or price-event history.
No matched year-over-year or full trailing-year trend, validated current months-of-supply figure, seller-credit prevalence, true-new-versus-resale advantage, neighborhood speed ranking or property-price forecast is reported. A citywide buyer’s-market label would go beyond this evidence. These limits do not prevent comparing specific homes with current evidence.
How does this differ from the prior edition?
The earlier snapshot used July 31–August 28, 2026 closings and August 30 inventory. This edition uses complete-calendar September closings and separate inventory observed October 3, 2026, so the two snapshots are not a clean month-over-month series. The prior 6.1-month supply calculation used its own 29-day closing window and a 30.4-day monthly normalization; its arithmetic was not the reason to remove it from the current report. Comparable historical stock is unavailable for a new supply measure.
The older twelve-month tracker began with partial August 2025 coverage, so it cannot support a like-for-like annual comparison. The August 2026 archived edition remains dated historical context, not a substitute for the current report.
How is the report maintained?
Taylor Dasch at EG Realty publishes this report and is the contact for corrections. Dates and figures change only after the underlying evidence and the full report have been checked together; source dates remain visible. Contact Taylor if a figure or source definition appears inconsistent.
Temple TX Housing Market FAQ
What is the average home price in Temple TX in 2026?
This report measures the median, not the arithmetic average. In screened CTXMLS Residential records with MLS City=Temple, 105 observed September 1–30, 2026 closing events had a $270,000 median closing price. All were observed October 3, 2026. This is not a detached-only or complete municipal-market census; see the methods and filters above.
Is Temple TX a buyer’s or seller’s market?
The October 3, 2026 snapshot does not establish a market-wide classification. It reports 105 observed September 2026 closings and a separate 640-property Active snapshot for screened Temple-labeled Residential MLS records. A validated current supply measure and seller-credit coverage are unavailable. Compare the specific home and its competing listings before choosing an offer.
Are home prices dropping in Temple TX?
The median closing price in the captured Temple-labeled Residential MLS cohorts was 1.9% higher in September 2026 than July 2026: $270,000 versus $265,000. July is an archival comparison with older observation dates; September was observed October 3, 2026. The homes sold differ, so this does not measure the same property gaining value, establish a year-over-year trend or predict future prices.
How long does it take to sell a house in Temple TX?
Median exported days on market was 71 days among 105 observed September 1–30, 2026 closings in screened Temple-labeled Residential MLS records. The precise clock-stop and relist-reset rules are unverified. This is not contract-to-close time or a prediction of how long an individual home will take to sell. Source observation: October 3, 2026.
How much can I negotiate off a Temple home’s asking price?
The report does not establish an offer discount. In 105 observed September 2026 closings in screened Temple-labeled Residential MLS records, the median close-to-original-ask ratio was 97.6%. The median ratio to exported ListPrice was 100.0%, but its timing immediately before contract is unverified. Neither ratio includes seller credits. Current markdowns are already reflected in the current asking price.
Are new construction homes a better deal than resale homes in Temple?
This dataset cannot answer that statistically: never-occupied status, construction stage and seller credits are not verified. A recent build year is not proof of a new home. Compare the specific properties’ purchase prices, completion timing, written incentive conditions, financing costs and ownership costs.
Should I buy now or wait?
This report cannot predict the right date for you or where prices and rates will move. Compare a real home with your budget, timing, current alternatives and written financing terms. Ask Taylor which comparable sales and competing listings matter and what would change the offer; a citywide median is not enough to decide.
How does this apply to the home you are considering?
Send the property link, your budget and timing, and the question you want to work through. This is a manual inquiry to Taylor, not an instant valuation or report download.