Pecan Creek, Temple TX
Pecan Creek is an actively building D.R. Horton community in Temple ISD, typically about 10–12 minutes from Baylor Scott & White. In the July 20 MLS snapshot, 10 active homes ranged from $197,515 to $279,335, with a median price of $226,033 and a median size of 1,503 square feet. It is a strong payment-first option—with production-builder finishes, ongoing construction, and lot-specific costs to verify before you sign.
Is Pecan Creek a good neighborhood to buy in?
Yes—for the buyer who wants a new Temple home at one of the area’s lowest entry prices and values a short BSW/VA commute more than customization or mature-neighborhood character. The current inventory is compact, efficient, and mostly payment-driven. The tradeoffs are standardized plans and finishes, an HOA, continuing build-out, and a financing decision that can be distorted by temporary builder incentives.
Bottom line: compare Pecan Creek on the total payment and exact lot—not the model-home experience or the advertised rate alone.
- Builder: D.R. Horton production homes
- MLS range: 3–5 bedrooms, 1,156–1,892 sq ft
- Schools: Temple ISD; verify the exact address
- Build state: occupied rows plus active construction
MLS snapshot: July 20, 2026. Pricing, availability, incentives, taxes, HOA charges, and school assignments can change.
What the aerials actually show
These are not builder renderings. They were photographed over Pecan Creek on July 26, 2026, and show the neighborhood in its current in-between state: finished homes, active pads, open ground, and a growing street network.
Multiple occupied-looking rows, consistent setbacks, two-car driveways, and a recognizable production-home streetscape.
Open lots, active pads, equipment access, construction traffic, dust, and near-term resale competition from new inventory.
HOA amenity status, drainage performance, lot grading, warranty quality, or the true all-in cost of any specific house.
What do homes cost in Pecan Creek?
The clean July 20 MLS pull shows an entry-level new-construction neighborhood with active and pending prices clustered in the low-to-mid $200s. Closed prices ran lower than current active asks, which is one reason the exact incentive and concession package matters.
| Status | Homes | Price range | Median price | Size range | Median DOM |
|---|---|---|---|---|---|
| Active | 10 | $197,515–$279,335 | $226,033 | 1,156–1,892 sq ft | 19 days |
| Pending | 11 | $199,545–$268,780 | $229,145 | 1,156–1,892 sq ft | 17 days |
| Closed | 18 | $192,935–$265,000 | $217,240 | 1,156–1,892 sq ft | 36.5 days |
Read this correctly: list price, contract price, closing-cost assistance, and a preferred-lender rate are separate levers. A higher-priced home with usable concessions can beat a lower-priced home on cash-to-close—or cost more over time.
Source: CTXMLS-derived market-monitor pull, exact subdivision match. Snapshot 07.20.26.
What does the price actually buy?
The July MLS inventory spans compact 3-bedroom plans through larger 5-bedroom options. D.R. Horton describes one- and two-story layouts with open living areas, granite kitchen counters, stainless appliances, vinyl plank flooring, and connected-home features on represented homes.
Use the address-specific feature sheet. Builder community pages, model homes, spec homes, and MLS entries do not always show the same plan range or finish package.
Which details can cost a buyer money?
- Comparing only the advertised rateAsk for side-by-side Loan Estimates: builder lender with incentives, outside lender, and the same loan structure with no temporary buydown.
- Skipping an independent inspectionNew does not mean defect-free. Inspect before closing and understand the warranty request process.
- Ignoring the lotCheck grading, drainage direction, retaining conditions, utility boxes, rear neighbors, road position, and what can still be built nearby.
- Ignoring the surrounding usesThe aerials show a large cemetery beyond one edge of the subdivision. That is not automatically positive or negative, but buyers should check the exact lot’s sightline and approach route.
- Treating HOA and tax figures as universalObtain the exact-lot tax estimate, HOA certificate, and current governing documents before the option or cancellation deadline.
The community is generally represented as having no MUD/PID and an approximately 2.35% combined tax rate. Some 2026 listing data shows a mandatory HOA around $240/year. Verify both against the specific parcel and current HOA packet; older sources conflict on the dues.
How are the BSW commute and schools?
Good for south-Temple medical access
Pecan Creek is typically about 10–12 minutes from Baylor Scott & White Medical Center in non-rush conditions, with access to the VA campus and Temple College in the same general employment corridor.
Drive times vary. Test the route at the actual shift-change time you will use.
Temple ISD
The builder currently lists Raye-Allen Elementary, Travis Science Academy, and Temple High School. Attendance zones change, and portal data can lag.
For BSW buyers, compare Pecan Creek with other new-construction communities near the medical center. The winning neighborhood is often the one that balances shift-change drive time with the payment—not the smallest map distance.
Who should—and should not—buy in Pecan Creek?
- Buyers prioritizing a lower new-construction entry price
- BSW, VA, or Temple College relocators who value a short drive
- First-time, FHA, and VA buyers comparing payment structures
- Households that prefer low near-term maintenance over mature character
- You want mature trees, finished phases, or a settled streetscape
- You need structural customization or premium finish choices
- You dislike construction noise, dust, trucks, or nearby new-inventory competition
- You are buying for yield without verified same-neighborhood rent comps
Pecan Creek may work as a low-maintenance long-term rental, but the page does not publish a cap rate because clean same-subdivision single-family lease evidence is not strong enough. Nearby listings labeled “Pecan Creek South” are largely a separate duplex product and should not be used as a shortcut. Underwrite the exact home using current rent comps, property taxes, insurance, HOA lease rules, concessions, and your financing.
Taylor’s take on Pecan Creek
“Buy Pecan Creek for the payment structure and the convenience—not because the model home made the decision feel easy.”
At the right price and on the right lot, Pecan Creek is one of the clearer entry points into a new home in Temple. I would still compare the real monthly payment against nearby D.R. Horton inventory and at least one competing builder, inspect the house independently, and make the builder put every incentive and included feature in writing.
Pecan Creek from air to interior
Every corrected field-photo composition from the July 26 shoot is included below, followed by the previously labeled Pecan Creek model and interior library.
Interior photos show labeled Pecan Creek model/spec references, not a promise that any current inventory home includes the same finishes.
Pecan Creek FAQ
Where is Pecan Creek in Temple, Texas?
Pecan Creek is a D.R. Horton new-construction community in south Temple, Bell County, in the 76504 area. It is positioned for access to Baylor Scott & White Medical Center, the VA campus, Temple College, Loop 363, and I-35.
How much do homes in Pecan Creek cost?
In the July 20, 2026 MLS snapshot, 10 active Pecan Creek homes were listed from $197,515 to $279,335, with a median active price of $226,033. Prices, incentives, and availability can change quickly.
What sizes and bedroom counts are available?
The July 20, 2026 active MLS inventory ranged from 1,156 to 1,892 square feet and 3 to 5 bedrooms. Confirm the exact plan, elevation, finish package, garage, and included features for the specific address.
Who builds homes in Pecan Creek?
D.R. Horton is the production builder in Pecan Creek. Buyers should review the address-specific spec sheet, warranty documents, inspection results, and lender incentive terms rather than relying only on the model home or community page.
Which schools serve Pecan Creek?
Pecan Creek is in Temple ISD. The builder currently lists Raye-Allen Elementary, Travis Science Academy, and Temple High School. School boundaries change, so verify the exact property address directly with Temple ISD before buying.
How far is Pecan Creek from Baylor Scott and White?
Pecan Creek is typically about a 10–12 minute drive from Baylor Scott & White Medical Center in non-rush conditions. Actual time varies by route, traffic, and shift change, so test the commute when you would normally drive it.
Does Pecan Creek have an HOA?
Yes, the HOA is represented as mandatory. Some 2026 listing data shows dues around $240 per year, but sources conflict. Obtain the current HOA certificate, resale or builder packet, covenants, and exact fee schedule for the lot before contracting.
Does Pecan Creek have a MUD or PID?
Current local research represents Pecan Creek as having no MUD or PID and an approximate combined property-tax rate near 2.35%. Verify the exact parcel with Bell CAD and the title or tax documents because rates and taxing entities can change.
Is Pecan Creek a good rental investment?
It is conditional, not an automatic yes. New construction can reduce near-term maintenance, but investors need verified same-subdivision rent comps, taxes, insurance, HOA lease rules, financing, and concessions. Nearby “Pecan Creek South” duplex rents should not be treated as direct comps for these single-family homes.
Is construction still active in Pecan Creek?
Yes. Original aerial photography captured July 26, 2026 shows finished streets and occupied-looking home rows beside active pads and open lots. Buyers should expect construction traffic, dust, changing views, and competition from new builder inventory while build-out continues.
Put Pecan Creek in context
Want the exact Pecan Creek homes worth touring?
I will compare the current inventory, lot position, concessions, tax and HOA documents, and the real payment before we narrow the list.