Homes for sale in Temple, TXAn honest local agent's guide to what's on the market.
As of June 2026, about 835 homes are actively for sale in Temple, TX. Over the trailing 12 months the median sale price was $274,315 and the typical home sold in 72 days — a mild buyer's market. Roughly 76% of those sales closed under $350,000, from older central-Temple resales under $250K to new construction and acreage homes above $500K. This page breaks down what each budget actually buys, the real tax math, and how to set up a search that beats a portal alert.
What homes are for sale in Temple, TX right now?
The median home sale price in Temple, TX is $274,315 over the trailing 12 months, with an average of $303,026 and a median of $158 per square foot on roughly 1,778 sqft. About 835 homes are actively for sale. Most activity — 40% of sales — lands in the $250K–$350K range, and homes are taking a median 72 days to sell, so the market currently favors prepared buyers.
- Median sold: $274,315 · average $303,026 · $158/sqft · ~1,778 sqft (trailing 12 months)
- 76% of sales closed under $350,000; about 63% closed under $300,000
- Active inventory: ~835 listings (verify current) — a mild buyer's market
- Fastest band: under $250K sells in a median 56 days; above $350K runs ~100 days
- What's for sale: older central-Temple resales, west-Temple new construction, and acreage above $500K
- Next step: the 4 price-band sections below show what each budget actually buys
How do you set up a home search in Temple, TX that beats a portal alert?
A portal alert shows you what's already public, on the portal's schedule. I build your search directly in the MLS — the source of record — and verify matches there instead of relying on a syndicated feed whose timing and completeness vary. I also watch seller-authorized coming-soon and delayed-marketing listings (under MLS rules) and builder/spec inventory, and flag anything a seller or listing agent has authorized to share early. Availability varies week to week. Two ways to start — both go straight to Taylor.
Tell it your budget, must-haves, and timeline. It answers Temple questions on the spot and hands me your criteria — so when we talk, I already know what you're looking for. Two minutes, no call required.
Built on Taylor's MLS knowledge. Goes straight to Taylor — not a call center.
Human · Same-day replyRather skip the bot? Text or call me. Tell me what you're after and I'll set up your search and start checking for seller-authorized coming-soon and builder options the same day. You get a person who's closed 100+ Bell County homes — not a lead form that disappears.
Real number, real agent — not a call center.
Your criteria go to Taylor only — not resold to a lead pool. You'll get a written setup note when your search goes live, and a weekly summary whenever there's activity.
Is Temple, TX a buyer's or seller's market in 2026?
The question portals answer with an algorithm. Here's the closed-comp version.
Temple, TX is a mild buyer's market in 2026. Homes take a median 72 days to sell, active inventory sits near 835 listings, and price cuts are common above $350K, where homes average about 100 days on market. Buyers under $250K still move fast — a 56-day median — so your leverage depends on your price band.
| Market signal | Reading (Jun 2026) | What it means for buyers |
|---|---|---|
| Median sold price | $274,315 | Central Texas MLS closed single-family, trailing 12 months — holding, not collapsing |
| Median days on market | 72 days | Leverage builds around day 30; price cuts cluster at day 60+ (and earlier above $350K) |
| Active inventory | ~835 listings | Verify current — higher than 2023–2024, which is where buyer leverage comes from |
| Year-over-year direction | Softening | Flat-to-modestly-down on price; clearly up on negotiating room |
Why portals show a lower, "falling" number. National portals and Google's AI Overview sometimes cite Temple around $253,000–$263,000, down a few percent year over year. That figure isn't wrong — it's a different measurement. Zillow's headline is the ZHVI (Zillow Home Value Index): an algorithmic, smoothed estimate across all property types (condos, townhomes, manufactured, and single-family), not a record of what buyers actually paid. The $274,315 on this page is the Central Texas MLS closed single-family median — real recorded sale prices, trailing 12 months. The portal index leans lower because it blends in cheaper property types and lags live closings; the MLS median is the number your offer strategy should anchor on.
By ZIP code. Temple's residential search splits across three ZIPs: 76502 (west / southwest — newer construction, most I-35-corridor inventory), 76504 (central — closest to downtown and the medical district, a mix of established resale and infill), and 76501 (east / older — the largest share of sub-$250K resale and the most inspection-critical stock). On the ground, the ZIP mostly tells you commute distance and housing age.
Taylor breaks down the "prices dropped" headline against the MLS closed-comp reality — the same buyer-leverage framing as the data above — on Living in Temple, TX.
What can you buy in Temple, TX at each price point?
Four budget bands, anchored on real Central Texas MLS closings. Tap a band for the quick read, or scroll for the full breakdown.
Under $250K — the fastest band
537 sold · 36% of marketOlder 3-bed resales in established central Temple (76501/76504), plus a few entry new builds. The fastest-moving band — the good ones go quickly.
$250K–$350K — the core of the market
593 sold · 40% of marketThe market's center of gravity — more options than any other band. Newer 3–4 bed builds in west Temple (76502) and starter new construction.
$350K–$500K — more room to negotiate
230 sold · 16% of marketLarger new construction, premium subdivisions, and partial-acre lots. Sits on market longer — which means real negotiating room.
$500K+ — the thin, slow band
121 sold · 8% of marketAcreage, custom builds, and Wildflower Country Club-area homes. Thin and slow — the band where buyers hold the most leverage.
What you get under $250K in Temple
The lowest-price, fastest-moving band in Temple. Most inventory is older 3-bed resale (1,300–1,700 sqft) in established central Temple — 76501 and 76504 — plus a handful of entry-level new builds. At this price you're typically inheriting an older roof, HVAC, and water heater, so inspection is non-negotiable. The trade-off for the low entry price is age and the occasional bidding competition, because these go fast.
What you get at $250K–$350K in Temple
The core of the Temple market — 40% of all sales, and more options than any other band. You'll see a strong mix of newer 3–4 bed resale (2007–2018) and current new construction (1,700–2,200 sqft), concentrated in west Temple (76502) and the Lakewood Ranch corridor. This is the band where the buyer's real choice is more square footage with resale, or a builder warranty with new construction — both are widely available.
What you get at $350K–$500K in Temple
Larger new construction, premium subdivisions, and partial-acre lots — 2,200–3,000 sqft, typically 2010s-and-newer. This band sits on the market longer (a 103-day median), and that's the point: above $350K you become the scarce buyer, so there's real negotiating room and more sellers cutting price. Resale at this tier often includes updated homes with mature trees — a footprint-and-lot advantage over new construction at the same number.
What you get at $500K+ in Temple
The thinnest, slowest, most private slice of the Temple market — acreage, custom builds, and Wildflower Country Club-area and Lake Pointe homes. With only 8% of sales here and a ~100-day median, buyers hold real leverage, and a meaningful share of this tier trades quietly through seller-authorized coming-soon and builder channels rather than a fast public listing. If Salado's larger-lot luxury market is also on your radar, that's a separate page worth a look.
Source: Central Texas MLS, trailing 12 months Temple closed sales (n≈1,481). Overall median $274,315 · average $303,026 · $158/sqft · ~1,778 sqft median. Updated June 2026 — band shares and days-on-market shift over time.
Taylor walks Canyon Ridge — one of the active newer-construction subdivisions in west Temple — with honest context on what the core band actually delivers, on Living in Temple, TX.
What happens after you tell me what you want?
Within one business day of getting your criteria, your search is set up — and you can see what's being done, not wonder about it.
You start
Chat with the AI or text me your budget, neighborhoods, and must-haves. Two minutes.
I build your search
Within one business day I set up your curated MLS search and check for seller-authorized coming-soon and builder inventory in your range.
Matches start landing
Hand-picked homes hit your inbox — MLS-verified matches, plus any seller-authorized non-portal options when they exist.
You watch it work
A weekly summary of what's been done — searches, matches, opportunities reviewed — and we book tours when one's worth your time.
✓ search set & running ✓ matches reviewed & sent
✓ seller-authorized options checked ◷ tour scheduled when one's worth your time
Illustrative example — your tracker shows your own search and is private to you and Taylor. No counts shown here are real.
Most agents go quiet after you sign up and leave you wondering if anything's happening. You'll get a weekly summary of what's been done — searches, matches, opportunities reviewed — so you don't have to ask "any updates?"
How many homes are for sale in Temple, TX?
Portal counts vary because they index different feeds. Here's the MLS-anchored truth.
About 835 homes are actively listed in Temple as of June 1, 2026 (verify current — active inventory moves weekly). Search four portals and you'll get four different "Temple median," none of which is the number your offer should anchor on. Here's what each source actually reports, and why it differs from the Central Texas MLS closed-comp median:
| Source | What they report | Why it differs from the MLS closed median |
|---|---|---|
| Zillow (ZHVI) | ~$250K home value | Algorithmic index across all property types (condos, manufactured, SFR), not recorded sales — blends in cheaper stock and lags live closings |
| Redfin | ~$263K median sale | Closed sales, but mixes property types and uses its own feed/geography slice; trends a touch lower than SFR-only |
| Realtor.com | ~$287K median listing | Asking prices of active listings, not sold prices — list medians run 5–8% above what sellers accept |
| Central Texas MLS (this page) | $274,315 median sold | Recorded single-family closings, trailing 12 months — the buyer-relevant number for offer strategy |
The buyer-relevant number is median sold single-family, not median listing and not an all-property-type index. Portal listing-medians inflate 5–8% above what sellers actually accept; value-indexes like ZHVI run lower because they fold in cheaper property types. Anchoring offer strategy on a listing-price median or a blended index instead of single-family closed comps is the most common — and most expensive — buyer-side mistake in this market.
The 5–8% gap between median listing and median sold price.
Realtor.com-style listing medians run roughly 5–8% above what Temple sellers actually accept, and the gap is wider above $400K, where sellers tend to over-list. When you're crafting an offer, anchor on closed-comp data from the last 30–60 days for similar size, year built, and neighborhood — not the portal listing average. Most buyers leave $5,000–$15,000 on the table by anchoring on the wrong number.
What are the best neighborhoods in Temple, TX for different buyers?
Routed by objective fit — budget, commute, home age, lot size, and school district.
The right neighborhood in Temple, TX depends on objective fit, not a one-size verdict. West Temple (76502) — Canyon Ridge, Bella Terra — has the newest construction and the quickest I-35 access. Central Temple (76501 and 76504) has the lowest entry prices and the shortest drives to downtown and the medical district. Larger lots, acreage, and Wildflower Country Club-area homes anchor the $500K+ band. Always verify school-district boundaries and the tax district before you decide — some newer subdivisions sit in higher-rate MUD or PID zones.
| Area | Typical price band | Home age | New / Resale | What it's known for |
|---|---|---|---|---|
| West Temple — 76502 (Canyon Ridge, Bella Terra) | $250–450K | 2010s–new | New + newer resale | Newest construction, fastest I-35 access |
| Central Temple — 76504 | $200–350K | Mixed / infill | Resale + infill | Shortest drives to downtown & the medical district |
| East / older Temple — 76501 | Under $250K | Older | Resale | Lowest entry prices; inspection-critical stock |
| Lakewood Ranch corridor | $300–425K | New | New construction | Master-planned new builds with warranty |
| Lake Pointe / west lake area | $350–550K+ | Newer + resale | Mixed | Larger lots; move-up & $500K+ inventory |
| Wildflower Country Club area | $450K+ | Custom / newer | Resale + custom | The top of Temple's market; acreage and custom |
Price bands are typical active-inventory ranges, not hard limits. Verify the specific school attendance zone and tax district for any address before signing.
Relocating for work, the military, or investment?
Each of these has its own dedicated guide — here's the right one for you.
Baylor Scott & White relocation
Relocating for the Temple medical system? The BSW guide covers commute-first neighborhoods, physician-loan price points, and the relocation timeline.
Fort Hood / PCS buyers
VA loan, BAH-anchored budgets, and PCS-window timing. Killeen and Harker Heights sit closest to the gates; Temple adds commute for newer inventory.
Buying to rent or flip
Cash flow, rent comps, and the numbers that matter for a Temple rental or flip — kept on its own page so this buyer guide stays buyer-focused.
Comparing Temple vs. Belton?
Belton runs higher-priced with better-rated schools (Belton ISD B vs. Temple ISD C) — but watch the MUD-district tax math. Here's the full Belton picture.
What are property taxes on a home in Temple, TX?
The overlap-zone and MUD warnings every Temple buyer should read before signing.
The combined property tax rate inside Temple city limits is roughly 2.39% — City of Temple, Bell County, Temple ISD, and minor districts including Temple College. Belton's combined rate is roughly 2.01%. The highest combined rate in Bell County is the Temple-address-with-Belton-ISD overlap zone at about 2.40%. New construction in Belton-area MUD or PID districts can add roughly 0.78%–1.00% on top of the base. Rates and appraisals change yearly — verify current 2026 figures with Bell CAD before budgeting.
| Where you buy | Combined rate | Annual cost on a $300K home | What you're paying for |
|---|---|---|---|
| Pure Belton city | ~2.01% | ~$6,025 | City of Belton + Bell County + Belton ISD |
| Pure Temple city | ~2.39% | ~$7,170 | City of Temple + Bell County + Temple ISD + Temple College |
| Temple address + Belton ISD overlap | ~2.40% | ~$7,200 | City of Temple + Bell County + Belton ISD — the highest in Bell County |
| Belton-area new build with MUD/PID | ~2.8–3.0% | ~$8,400–9,000 | Base rate + a district assessment of roughly 0.78%–1.00% — verify per subdivision |
Rates are approximate and change annually; verify current figures with the Bell County Appraisal District (Bell CAD) for the specific address. The appraised value is the variable that compounds — the rate is mostly fixed.
Choosing a "lower-tax" area without checking the MUD/PID can cost $1,800–$3,000 a year.
New subdivisions in Belton-area ETJ districts frequently carry a MUD (Municipal Utility District) or PID assessment that adds roughly 0.78% to 1.00% on top of the base rate. A buyer choosing the area for the assumed lower tax rate can end up paying more than pure Temple city. The assessment is listed on the tax statement but rarely highlighted in builder marketing — always verify the district via Bell CAD before signing on new construction.
Homeowner insurance on a $300K Temple home now runs roughly $2,800–$3,800/year.
Texas premiums have risen sharply since 2024, and Bell County sits in a wind/tornado zone — most insurers require a separate windstorm rider that adds several hundred dollars a year. A buyer modeling Temple costs against an Austin or Dallas comparison often anchors on an outdated $1,800 premium and ends up over budget at year one. Pull current quotes from at least three carriers before signing — premiums are subdivision-specific and depend on roof age and claim history.
Should you buy new construction or resale in Temple?
The honest trade-offs at the same price.
Most of Temple's new construction sits in the $250K–$500K bands in west Temple and the Lakewood Ranch corridor, with active builders including Centex, D.R. Horton, and several regional names. At the same price, the choice is real:
| Factor | New construction wins | Resale wins |
|---|---|---|
| Price per sqft | — | Lower — often 25–40% more home for the money |
| Builder warranty | 1-2-10 tiered coverage | — |
| Energy efficiency | Current code · lower utilities | — |
| Lot size & mature trees | — | Larger lots, 20–50 years of growth |
| Roof / HVAC / water heater | Brand new | Inspection-critical |
| MUD / PID tax risk | — | Established Temple neighborhoods rarely carry one |
| Builder incentives | Closing-cost credits, rate buydowns when active | — |
Incentives change frequently and are negotiated at offer — not advertised on listings.
Builder incentive levels in Temple shift based on each builder's monthly closing targets. Common categories: closing-cost credits, rate buydowns, and free upgrade packages. They almost never appear on the MLS listing — they're negotiated at offer or contract. Always ask the builder about active incentives before signing, and confirm a rate buydown holds through your closing date, not just the offer date. See the current builder-incentive tracker →
Why are people moving to Temple, TX?
The verifiable version, not the brochure.
1. Baylor Scott & White Health is the economic anchor.
Baylor Scott & White is the largest hospital-system employer in Bell County, concentrated at the Temple campus with thousands of clinical and support staff. Most Temple home buyers either work in the medical system or have a household member who does — and that's the structural reason the market is more recession-resistant than tech- or oil-driven metros.
2. Cost of living and I-35 access without Austin pricing.
Temple sits about 45 minutes north of Austin on I-35, with a cost of living well below the national average and housing dollars that stretch 30–40% further per square foot than the Austin metro. It works for remote workers needing occasional office time; it does not work for a daily Austin commute.
3. No state income tax and a lower cost basis.
Texas has no state income tax, and Temple's entry prices — a $274,315 median — let buyers priced out of Austin or Dallas-Fort Worth own meaningfully more home. Over a 5-year hold, the cost-basis difference versus a pricier metro is large enough to matter.
Temple, TX homebuying questions.
Direct answers, no filler.
What is the median home price in Temple, TX?
The median home sale price in Temple, TX is $274,315 over the trailing 12 months, with an average of $303,026 and a median of $158 per square foot on roughly 1,778 square feet. Most activity — about 40% of sales — lands in the $250,000 to $350,000 range, and homes are taking a median 72 days to sell, so the market currently favors prepared buyers. Source: Central Texas MLS, June 2026.
Is Temple, TX a buyer's or seller's market in 2026?
Temple, TX is a mild buyer's market in 2026. Homes take a median 72 days to sell, active inventory sits near 835 listings, and price cuts are common above $350,000, where homes average about 100 days on market. Buyers under $250,000 still move fast — a 56-day median — so leverage depends on your price band. Source: Central Texas MLS.
Are there homes for sale in Temple, TX under $300,000?
Yes — most homes in Temple, TX trade under $300,000. About 63% of the past 12 months' Temple sales closed under $300,000, and roughly 57% of current active listings are priced under $300,000. In that range you'll find 3-bedroom resales in central Temple (76501 and 76504) and entry-level new construction in west Temple. Source: Central Texas MLS, trailing 12 months plus active inventory as of June 2026.
Are there mobile or manufactured homes for sale in Temple, TX?
Yes, though they are a small share of Temple inventory and trade as a separate market. Manufactured and mobile homes show up most often on land outside the core city limits, and financing differs from a standard mortgage — many require a chattel loan or a land-plus-home package. Confirm whether the home is titled as real property and whether the land conveys before making an offer. Verify current listings, as availability is limited and changes weekly.
How do for-sale-by-owner (FSBO) homes work in Temple, TX?
A for-sale-by-owner home in Temple is listed directly by the seller without a listing agent, so it usually won't appear in a standard MLS-fed portal search. You can still be represented as a buyer on an FSBO purchase, and a buyer's agent can handle the contract, inspections, title, and financing the same way. FSBO inventory is a small, inconsistent slice of the Temple market; verify current availability.
Where is the new construction in Temple, TX?
New construction in Temple, TX concentrates in the $250,000 to $500,000 range and in west Temple (76502) along the I-35 corridor and the Lakewood Ranch area. Active builders in Temple and Belton include Centex, D.R. Horton, and several regional builders. Spec homes can close in about 30 days; to-be-built homes run 6 to 12 months. Builder incentives change frequently — verify current offers directly with the builder.
Are there homes near Temple, TX with acreage?
Yes. Acreage homes near Temple, TX cluster in the $350,000-and-up bands and generally sit outside the core city limits — toward the county on the west and south sides, and in the Belton and Salado directions. Expect larger lots, septic and well instead of city utilities on some properties, and a longer drive to the medical district. Verify lot size, utilities, and any agricultural exemption before making an offer.
Are there foreclosures or auction homes in Temple, TX?
Foreclosure and auction inventory in Temple, TX exists but is a small and inconsistent share of the market. Some appear on the MLS as bank-owned listings; others sell at the Bell County courthouse steps or through online auction platforms and require cash and as-is purchase. These deals carry more risk — limited inspection access and title cleanup — so verify the process and current availability before counting on this path.
How much are property taxes in Temple, TX?
The combined property tax rate inside Temple city limits is roughly 2.39% — City of Temple, Bell County, Temple ISD, and minor districts. Belton's combined rate is roughly 2.01%. The highest combined rate in Bell County is the Temple-address-with-Belton-ISD overlap zone at about 2.40%. New construction in Belton-area MUD or PID districts can add roughly 0.78% to 1.00% on top. Tax rates and appraisals change yearly — verify current figures with Bell CAD before budgeting.
What are the best neighborhoods in Temple, TX?
The right neighborhood in Temple, TX depends on objective fit — budget, commute, home age, and lot size. West Temple (76502), including Canyon Ridge and Bella Terra, has the newest construction and quick I-35 access. Central Temple (76501 and 76504) has the lowest entry prices and the shortest drives to downtown and the medical district. Larger lots, acreage, and Wildflower Country Club-area homes anchor the $500,000-plus band. Always verify school-district boundaries and tax district before deciding. Source: Central Texas MLS; Taylor Dasch, EG Realty.
How long do homes take to sell in Temple, TX?
The median home in Temple, TX sells in about 72 days over the trailing 12 months. It varies sharply by price: homes under $250,000 move in a median 56 days, while homes above $350,000 average closer to 100 days on market. The slower the band, the more negotiating leverage a buyer has. Source: Central Texas MLS.
Is Temple, TX a good place to buy a house?
Temple, TX is a strong buy for people working in the Baylor Scott & White medical system, remote workers wanting Central Texas access without Austin pricing, and first-time buyers — the median home is $274,315 with a cost basis well below the Austin metro. It's less compelling for buyers who specifically want top-rated schools and can afford Belton ISD or Salado directly. The 2026 market favors prepared buyers, with a 72-day median time to sell.
Should I buy in Temple or Belton, TX?
Temple has lower home prices (median $274,315 vs. Belton near $320,000), proximity to the Baylor Scott & White medical district, and a higher combined tax rate near 2.39%. Belton has higher-rated schools (Belton ISD B vs. Temple ISD C) and lower base taxes near 2.01%, though new Belton-area MUD districts can erase that gap. A western or southwestern Temple address can feed into Belton ISD via the overlap zone — Belton schools at Temple prices, but the highest combined tax rate in the county. See the full Belton page →
How is this different from a Zillow or Realtor.com saved search?
A portal alert shows public listings on the portal's schedule. I build your search in the MLS — the source of record — and verify matches there, add seller-authorized coming-soon and builder inventory when it's available, and filter out the listings that look good online but have real problems in person. You also get a person, not an algorithm, deciding what's worth your time.
How do I know you're actually working my search?
You'll get a written setup note when your search goes live, and a weekly summary whenever there's activity — searches set, matches reviewed and sent, and any seller-authorized non-portal options checked. Your criteria go to Taylor only; they're not resold to a lead pool. You can tell me to ease off anytime and the search keeps running quietly.
I'm Taylor Dasch — and I'd rather send you the right listings than the most listings.
I'm an agent at EG Realty in Temple, TX. $30M+ closed across 100+ transactions. Ranked #28 of 2,013 Bell County agents by transaction count — top 1.4% — and EG Realty's Highest Sales Volume in Temple for 2024.
The starting point for most buyers is a curated MLS search built to your real criteria — budget band, neighborhoods, school district, commute, financing fit — verified against the source of record, with seller-authorized coming-soon and builder options flagged when they're available to share. You'll get a written setup note and a weekly summary whenever there's activity. No spam, no lead-pool resale — your criteria go to me.
Tell me what you're looking for and I'll get your search running, usually within one business day.
Prefer to text or call? Reach Taylor directly: 254-718-4249 · [email protected]Updated June 2026.
Sources: Central Texas MLS (closed single-family comps, trailing 12 months, and active inventory as of June 1, 2026) · Bell County Appraisal District (tax rates) · Taylor Dasch / EG Realty production records. Taylor Dasch is a licensed real estate agent at EG Realty (Temple, TX).
Active inventory, median prices, and tax rates change over time — verify current figures on any listing-specific or budget decision.