Physician Realtor in Temple, TX
Relocation representation for physicians, residents, fellows, and APPs coming to Baylor Scott & White Temple — built on MLS data and closing mechanics, not brochure copy.
Taylor Dasch is a Temple, TX real estate agent who works with medical professionals relocating to Baylor Scott & White — the 640-bed teaching hospital and the only Level I trauma center between Dallas and Austin. $27M+ closed across 100+ transactions. Physician relocation isn’t a normal purchase: employment-contract underwriting, physician loan programs with 0% down and no PMI, a hard timing window around your start date, and a resident-vs-attending budget split that changes which half of Temple you should even tour. This page covers the actual mechanics.
Who is a physician realtor in Temple, TX?
Taylor Dasch (EG Realty) is a Temple, TX real estate agent focused on physicians and medical professionals relocating to Baylor Scott & White Temple. The work is different from a standard purchase: lenders underwrite a signed employment contract before your first paycheck, physician loan programs offer 0% down with no PMI up to $750K–$1M, and closings are timed to a start date — most programs want the documented start date within 60–120 days of closing. Verdict: if you’re matching, transferring, or taking an attending role at BSW Temple, work the timing and financing first; the house search is the easy part.
- The employer: BSW Temple is a 640-bed teaching hospital, the only Level I trauma center between Dallas and Austin, and the region’s largest employer (~9,000 Bell County employees).
- Resident budget reality: 57 Temple homes closed between $200K–$300K in the July 2026 window — median 3 bed / 2 bath, 1,700 sqft, built 2015 ($149.64/sqft).
- Attending band: $400K–$600K closings ran a median 4 bed, 2,397 sqft, built 2021 ($199.43/sqft) — this band skews new construction.
- Financing: physician loans = 0% down to $750K (some lenders $1M), no PMI, IDR-based student-loan treatment; the trade is a 0.125–0.50% rate premium vs conventional.
- Commute: Hospital District 1–3 min to BSW; Canyon Creek 5–8; Western Hills 5–7; Canyon Ridge 6–8 (2401 S 31st St campus).
- Timing: Match Day (mid-March) to a late-June PGY-1 start is ~15 weeks — inside most physician-loan underwriting windows if pre-approval starts immediately.
What does relocating to BSW Temple actually involve?
The sequence matters more than the house. Physician relocations fail on timing — pre-approval started too late, or a closing dated too far ahead of the employment start date for the lender to accept the contract as income. Here is the contract-to-keys sequence I run with BSW buyers:
- T-minus 5–6 months
Contract or Match in hand
Attendings: signed offer with start date and salary. Residents and fellows: Match Day letter, then the program contract. Lenders underwrite this document instead of pay stubs — get the final version, not the summary page.
- T-minus 4 months
Physician-loan pre-approval
Programs verify the contract, license or degree track, and credit (typically a 700 floor). Student loans on income-driven repayment get counted at the actual IDR payment — not 1% of balance. This step is what makes the rest of the calendar work.
- T-minus 3 months
One focused house-hunt trip
Two days, a pre-built shortlist by commute and budget band, 8–12 showings. Out-of-state buyers who try to tour “when we’re in town next” lose the good inventory — Temple’s median days on market is 57, but the right-priced homes in the $200K–$300K band move faster.
- T-minus 2–3 months
Under contract, managed remotely
Inspection, appraisal, and repair negotiation run without you in town. Expect one video walkthrough at inspection and one before closing.
- T-minus 0–2 months
Close before your start date
Most physician programs will fund when your documented start date is within 60–120 days of closing (varies by lender). Remote and mail-away closings are routine — plenty of BSW buyers get keys before their first Temple paycheck exists. The full mechanics are in buying before your first day of residency.
- Day one
First shift, already moved in
The goal state: orientation week spent learning the hospital, not signing a lease you’ll break in ten months.
Match Day to a late-June PGY-1 start is roughly 15 weeks — which sits almost exactly inside the 60–120 day window most physician-loan programs require between closing and start date. If you want to own before orientation, pre-approval needs to start the week after Match Day. Wait until May and you’re renting for a year by default. The month-by-month version is on the Match Day housing timeline.
Resident vs attending: what does your budget actually buy?
These are closed sales, not listing wishes — every Temple sale in the July 2026 CTXMLS window, split into the two bands physician buyers actually shop:
The resident / fellow band
- Closed sales (window)57
- Median layout3 bed / 2 bath
- Median size1,700 sqft
- Median year built2015
- Median price/sqft$149.64
- Median days on market61
The attending band
- Closed sales (window)22
- Median layout4 bed
- Median size2,397 sqft
- Median year built2021
- Median price/sqft$199.43
- Median days on market64
The attending band skews heavily to new construction — a median build year of 2021 means most of that inventory is under builder or transferable structural warranty. The resident band is established neighborhoods, where the inspection matters more than the incentive sheet.
| Active price band | Listings | Median sqft | Median year built |
|---|---|---|---|
| Under $200K | 86 | 1,182 | 1962 |
| $200K–$300K | 278 | 1,603 | 2016 |
| $300K–$400K | 135 | 2,056 | 2020 |
| $400K–$600K | 97 | 2,413 | 2021 |
| $600K+ | 36 | 3,064 | 2013 |
Active Temple listings by band — CTXMLS pull, July 30, 2026. 632 total actives; 58% sit under $300K. Browse the live inventory at homes for sale in Temple, TX.
0% down does not mean $0 to close. Closing costs, prepaid taxes, and insurance escrows typically run 2–3% of the purchase price — $5,000–$9,000 on a $300K home — and Bell County’s effective property tax rate (roughly 2.2–2.7% before exemptions) is baked into every monthly payment. Run the full payment on the Temple affordability calculator and check the property tax breakdown before you anchor on a list price.
On a PGY-1 stipend — $70,993 for the 2025–26 academic year — a $200K–$300K purchase with a 0%-down physician loan can pencil close to Temple’s median 3-bed lease of $1,700/month. The difference isn’t the payment; it’s that the owner carries maintenance on a house whose median build year is 2015, during the busiest year of their career. That’s a real cost. It’s why the rent-or-buy answer below isn’t automatic.
Attendings coming from Austin, Dallas, or either coast usually find the opposite problem: the budget that bought a compromise there buys the top of the Temple market here — and the $600K+ band is thin (36 actives), so resale liquidity deserves a thought before you build the biggest house on the street. The salary-to-house math against Austin specifically is on Temple vs Austin for physicians.
Physician loan or conventional — which one actually wins?
A physician loan is a cash-flexibility product, not automatically the cheapest one. The honest split:
The physician loan wins when…
- You want to keep cash: 0% down to $750K at most programs (some to $1M), 5% to $1M–$1.5M — with no PMI at any tier.
- Your student loans sit on IDR — programs count the actual payment, not 0.5–1% of the full balance. On $300K of debt, that’s often the difference between qualifying and not.
- You’re buying before the job starts — contract-based underwriting with a start date within 60–120 days of closing.
- You’d otherwise pay PMI: on a $300K purchase with 3% down conventional, PMI alone runs roughly $175–$250/month.
Conventional wins when…
- You have 20% down sitting in cash and the rate premium matters more than liquidity — physician programs price roughly 0.125–0.50% above conventional.
- You’re buying anything that isn’t your primary residence — physician loans are primary-residence products, full stop.
- Your credit sits below the ~700 floor most physician programs enforce — some conventional paths are more forgiving.
- You plan to stay 7+ years and want the lowest lifetime interest cost: on a $500K note, a 0.50% premium is roughly $170/month.
- You’re negotiating large seller or builder concessions — most physician products hard-cap seller concessions at 3%, and some builder incentive packages are worth more than that cap.
Eligibility is wider than “MD.” DO, DDS, DMD qualify everywhere; many programs also take PharmD, CRNA, PA, OD, and DVM. And multiple programs serve this market directly — including one headquartered in Temple with 100% financing up to $1M — so you can shop physician-loan quotes locally instead of from out of state.
Full program mechanics, lender comparison, and the five verified lenders that serve Temple are on the physician mortgage loans in Central Texas page. Rates and program terms rotate — verify everything with a licensed lender of your choice; these are published market terms, not a quote.
Which neighborhoods fit which BSW commute?
BSW’s main campus sits at 2401 S 31st St. Commute is the variable BSW buyers under-weight from out of state — especially anyone taking call. The short version from the full commute analysis:
| Area | Drive to BSW | Character |
|---|---|---|
| Hospital District | 1–3 min | Walk-or-roll proximity; older housing stock, wide price spread |
| Western Hills | 5–7 min | Established streets, mostly pre-2000 builds, value pricing |
| Canyon Creek | 5–8 min | Actives spanned $200K–$526K at the July pull — widest fit range |
| Canyon Ridge | 6–8 min | Actives $240K–$368K — the resident-band sweet spot |
Drive times and active ranges from the 2026-07-30 CTXMLS pull; peak-hour estimates. Full 18-neighborhood ranking, night-shift notes, and school-zone overlap: neighborhoods near BSW by commute.
West Adams and Outer Loop construction adds 10–15 minutes through late 2026. A listing that maps “12 minutes to BSW” can drive like 25 during the wrong window. If you’re on a 6am service, test the drive at 5:45am — not Saturday afternoon during your house-hunt trip.
Physicians at the Olin E. Teague VA Medical Center (1901 Veterans Memorial Dr) sit on the opposite axis of town — if that’s your campus, the shortlist changes, and it’s worth saying so before the tour day, not after.
Deeper context beyond this page: the BSW Temple relocation hub covers where staff actually live by role and budget, and the BSW childcare and daycare guide covers the waitlist math (3–15 months for infant rooms) that quietly decides some neighborhood choices.
What are the honest tradeoffs of buying in Temple as a physician?
The pitch for Temple is simple — a $270K median against Austin medians roughly double that, and a single-digit-minute commute to a Level I trauma center. The honest list is longer:
Sometimes renting the first year wins
If you’re a PGY-1 unsure the program fits, on a one-year fellowship, or you’ve never lived in Central Texas — a $1,700 median 3-bed lease is cheaper than buying the wrong $300K house. Buying wins on a 3+ year horizon; it isn’t a rite of passage.
Property taxes are the Texas trade
No state income tax, but combined property tax rates around 2.2–2.7% before exemptions — roughly $5,900–$7,300/year on the median home. The homestead exemption ($140K of school-district value as of the November 2025 amendment) softens it. Full tax breakdown here.
Summer is real
July–September runs 100°F. It changes what a west-facing backyard, an older HVAC, and a $200+/month summer electric bill mean at inspection time.
The top of the market is thin
36 active listings above $600K. Build or buy at the very top and you accept longer resale timelines than the $200K–$400K core, where most of Temple’s demand lives.
Within Temple’s city limits, closed medians split hard by school district: Temple ISD sales ran a $233,450 median while the Belton ISD side of west Temple ran $293,270, and the small Academy ISD pocket ran $440,000 (July 2026 window). Same city, three different markets — which is why “Temple” as a single search area misleads out-of-state buyers.
“The physician buyers who end up happiest here didn’t buy the most house — they bought the right timing.”
Taylor here. Most of my BSW relocations happen with the buyer still living somewhere else, and the pattern is consistent: the stressful deals started the loan conversation late, and the smooth ones treated Match Day or the signed contract as the starting gun. The house itself is rarely the hard part — Temple gives you 632 active listings and 58% of them under $300K.
Where I’ll push back: if your program situation is uncertain, I’ll tell you to rent first, and I’ll say it in writing. And in the resident band, the median home was built in 2015 — but the under-$200K stock averages 1962, and residents get surprised by 60-year-old sewer lines more often than by list prices. The inspection period is where my job actually happens.
Have a start date and a budget band? Call or text me at 254-718-4249 and I’ll build the commute-ranked shortlist before your house-hunt trip.
Physician relocation FAQ — Temple, TX
Do physician loans work for residents, or only attendings?
Most programs accept residents, fellows, and interns — not just attendings. Underwriting runs on your signed program contract and stipend ($70,993 for PGY-1s in the 2025–26 academic year), with student loans counted at the actual income-driven repayment amount. The practical constraints are a ~700 credit-score floor and primary-residence-only use.
Can I buy a house in Temple before my BSW start date?
Yes. Physician loan programs underwrite the employment contract itself — most will close when your documented start date falls within 60–120 days of closing, which lets you get keys before your first paycheck. The window varies by lender, so the pre-approval conversation should start four to five months out.
How much house can a resident actually afford in Temple?
In the July 2026 CTXMLS window, the $200K–$300K band closed 57 Temple homes at a median 3 bed / 2 bath, 1,700 sqft, built 2015. On a PGY-1 stipend the payment can sit near the $1,700 median 3-bed lease — but add property taxes, insurance, and maintenance before deciding. Run your numbers on the affordability calculator rather than trusting a list price.
What did Temple homes actually sell for in mid-2026?
July 2026 closings: 118 sales at a median $270,000 and $151 per square foot, with a median 57 days on market and sellers netting 100.0% of list at the median. Active inventory sat at 632 listings with a median list price of $285,000 (CTXMLS pull, July 30, 2026).
Is a physician loan cheaper than a conventional mortgage?
Usually not on rate — physician programs price roughly 0.125–0.50% above conventional. What they buy you is liquidity and access: 0% down without PMI, contract-based approval before your job starts, and IDR-based student-loan treatment. With 20% down available and a 7+ year horizon, conventional often wins on lifetime cost; run both.
Which neighborhoods are closest to Baylor Scott & White Temple?
The Hospital District sits 1–3 minutes from the 2401 S 31st St campus, with Western Hills at 5–7, Canyon Creek at 5–8, and Canyon Ridge at 6–8 minutes. Canyon Ridge’s actives ranged $240K–$368K at the July pull — the strongest overlap with resident budgets. The full 18-neighborhood commute ranking is on the BSW commute page.
Should I rent or buy during residency in Temple?
Honest split: buy if you’re confident in the program, expect to stay 3+ years, and want to stop paying the $1,700 median 3-bed lease; rent if you’re a PGY-1 still evaluating fit, on a one-year fellowship, or arriving sight-unseen. A wrong purchase costs more than a year of rent — and I’ll say which side I’d take for your situation.
Does Taylor work with residents and APPs, or only attending physicians?
Both, plus fellows — and the financing side extends past MDs: DO, DDS, DMD qualify at essentially every physician-loan lender, and many programs take PharmD, CRNA, PA, OD, and DVM. VA Medical Center physicians relocating to Temple’s Olin E. Teague campus are covered by the same process with a different commute map.
What is the property tax rate in Temple, TX?
Combined rates land around 2.2–2.7% of assessed value before exemptions, depending on jurisdiction — roughly $5,900–$8,100 per year on a $270K–$300K home. The homestead exemption now shields $140K of school-district value (November 2025 amendment). Rates change annually; verify against the current-year breakdown on the Temple property taxes page.
How fast do homes sell in Temple in 2026?
Median days on market was 57 across July 2026 closings, and median sale-to-list ratio was 100.0% — correctly priced homes are selling at asking. The $200K–$300K band residents shop is the most contested slice of the market, so pre-approval-in-hand matters before the house-hunt trip.
Tell me your start date. I’ll build the plan backwards from it.
One conversation covers the four decisions on this page: physician loan vs conventional, budget band, commute shortlist, and whether you should even buy this year. No pressure toward the answer that pays me — the rent-first cases get told to rent.
Prefer to talk it through? 254-718-4249 — call or text.
The full BSW relocation library
Sources: CTXMLS whole-market pull (July 30, 2026) and CTXMLS lease pull (July 13, 2026) — medians computed from closed and active records; physician loan program terms compiled from lender program documentation (verify current terms and rates with the lender — they rotate); BSW facility and employment figures per Baylor Scott & White published materials; drive times are peak-hour estimates. Market data changes monthly — numbers on this page are labeled with their pull dates. Updated August 2026.