The median home in Temple, Texas is valued at $246,538, down 2.5% year over year. Typical monthly rent is $1,390, producing a price-to-rent ratio of 14.8x — below the national average of 18x. Temple is part of the Killeen-Temple, TX metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$246,538

-2.5%

Rent$1,390/mo

Prices falling — better for buyers.

Affordability

Enter your income for Temple.

Income (annual)

Down Payment

$49,308 on $246,538

Example: $75,000 household income. Change it above to see your own.

Stretch29.9% of income

Above 28% but manageable with cuts.

PITI$1,866

P/I29.9%

Afford$231K

Gap-$15K

P&I $1,247Tax $370Ins $250

Renting $476/mo cheaper ($1,390 rent)6.50% 30yr, 20% down, county tax + TX ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Texas

Compare Temple with other housing markets across Texas.

Westlake$3.07M Highland Park$2.85M Westover Hills$2.59M University Park$2.38M Rollingwood$2.25M West Lake Hills$1.99M Bartonville$1.36M Southlake$1.26M

Full Killeen-Temple, TX analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Killeen-Temple, TX metro.

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