Homes for Sale in Temple, TX
Temple sits along I-35 between Austin and Waco with a median sale price near $265,000 and roughly 69 days on market. The city of 89,602 is the medical and economic anchor of Bell County, home to Baylor Scott & White Medical Center — the largest employer in the region — and draws healthcare workers, Military families from nearby Fort Cavazos, and value buyers with some of the most affordable homes on the I-35 corridor.
Talk to an LRG Agent About Temple →Temple Demographics
Population, income, and housing tenure for the city and surrounding Bell County.
- Population89,602 / 385,000
- Median household income$60,000 / $62,000
- Median home value$230,000
- Median age34.0 yrs
- Population growth3.0% (2019–24)
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates (2019–2023).
Temple Commute Times
Temple connects to Killeen/Fort Cavazos via US-190 and to Austin via I-35, with Waco 35 miles north.
| Destination | Distance | Off-Peak | Rush Hour |
|---|---|---|---|
| Fort Cavazos (main gate) | ~25 mi via US-190 | 25–30 min | 30–35 min |
| Killeen | ~20 mi via US-190 | 20–25 min | 25–30 min |
| Baylor Scott & White Medical Center | ~3 mi | 5–8 min | 8–10 min |
| Downtown Austin | ~65 mi via I-35 | 60–70 min | 80–100 min |
Drive times are approximate estimates from Temple city center. Actual times vary by route and traffic conditions.
Temple at a Glance
- Healthcare hub
- Baylor Scott & White’s main campus is the largest employer in the region with 8,000+ employees. VA outpatient clinic also on-site.
- Affordability
- $265K median is among the lowest on the I-35 corridor. New construction from the $200s.
- Fort Cavazos proximity
- 25–30 min to the largest active-duty military installation in the U.S. Strong Military family presence.
- Amtrak service
- Temple is a stop on the Amtrak Texas Eagle line (Austin–Dallas–Chicago). One of few Central Texas cities with passenger rail.
- Distance from Austin
- 65 miles from downtown Austin — not a practical daily commute.
- Economic dependence
- Healthcare and military are the two primary economic engines. Limited tech-sector employment.
- Older housing stock
- Much of Temple’s inventory predates 2000. Newer construction concentrated on the south side.
- I-35 corridor challenges
- The I-35 stretch through Temple/Belton has been under reconstruction.
Flood data: FEMA Flood Map Service Center.
What It Costs to Buy in Temple
- Property taxes
- Temple’s effective property tax rate runs approximately 2.15%. On a $265000 home that’s roughly $5,698/year before the homestead exemption. For current rates and exemption forms, visit the Bell Central Appraisal District.
- Closing timeline
- Cash transactions close in 14 to 21 days. Financed purchases run 30 to 45 days depending on lender and appraisal turnaround.
- HOA presence
- HOA $25–$60/month in newer subdivisions. Older established neighborhoods typically no HOA.
Tax data: Bell Central Appraisal District, 2024 certified values.
Use our monthly payment stack checklist to estimate your all-in housing cost.
Temple Neighborhoods
South Temple / Wildflower
Newer construction on the south side. Homes from the $220s. Temple ISD.
Western Hills
Established mid-range neighborhood. Homes $180s–$300s. Mature trees.
Temple Heights
Affordable established near Baylor Scott & White. Homes from $150s.
Midway Drive area
Central location near Scott & White. Mix of updated and original homes.
Country Club area
Near Temple Country Club. Homes $250s–$400s.
Downtown Temple
Historic core along Main Street and Avenue A with renovation projects and local restaurants.
Temple Schools
| School | Grades | Enrollment | District |
|---|---|---|---|
| Bonham Elementary | PK-5 | ~580 | Temple ISD |
| Cater Elementary | PK-5 | ~620 | Temple ISD |
| Jefferson Elementary | PK-5 | ~550 | Temple ISD |
| Meridith-Dunbar Elementary | PK-5 | ~600 | Temple ISD |
| Belton New Tech | PK-5 | ~500 | Belton ISD |
| School | Grades | District |
|---|---|---|
| Lamar Middle School | 6-8 | Temple ISD |
| Travis Middle School | 6-8 | Temple ISD |
| South Belton Middle | 6-8 | Belton ISD |
| School | Grades | District |
|---|---|---|
| Temple High School | 9-12 | Temple ISD |
| Belton High School | 9-12 | Belton ISD |
| Belton New Tech High | 9-12 | Belton ISD |
| District | Schools | Enrollment |
|---|---|---|
| Temple ISD | 19 | ~10,500 |
| Belton ISD | 14 | ~12,000 |
School data: GreatSchools.org & NCES Common Core of Data. Verify enrollment eligibility directly with the district.