Cost of Living in Temple, TX
Population 86,358 · Texas · Data vintage 2023
(100 = US avg)
Housing costs in Temple stay well under national norms: a median home value of $220,000 against median household incomes of $64,945 gives the city one of the more comfortable price-to-income ratios in Texas. At 7.2%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Located 20 miles east of Killeen, Temple falls within that metro's commuting orbit. Median home values run roughly 12% higher than Killeen's $196,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Temple
The median home value in Temple is $220,300 — 28% below the national median of $305,000. Median rent runs $1,174/month, 11% lower than the national median of $1,314/month. The median household income of $64,945/year is 13% lower than the US median of $74,580. The local unemployment rate is 7.2%, above the national average of 4.8%. Texas charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 78.6°F and lows of 55.6°F. Overall, Temple has a cost of living index of 79 versus the US average of 100, meaning it is 21% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 59 | 63 | 70 | 78 | 85 | 93 | 97 | 97 | 91 | 81 | 69 | 60 |
| Low °F | 36 | 40 | 47 | 55 | 63 | 71 | 74 | 74 | 67 | 56 | 46 | 38 |
| Precip" | 2.59 | 2.68 | 3.31 | 3.30 | 4.44 | 3.35 | 1.82 | 2.05 | 2.87 | 4.41 | 2.71 | 2.87 |
| Snow" | 0.0 | 0.4 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Temple, TX?
Temple has a cost index of 79 (100 = national average). It is 21% below the national average.
What is average rent in Temple, TX?
The median gross rent in Temple is $1,174 per month based on 2023 Census data.
What is the average home price in Temple?
The median home value in Temple is $220,300 according to Zillow and Census data.
What is the median income in Temple?
The median household income in Temple is $64,945 per year (2023 ACS 5-year estimates).
What is the sales tax in Temple, TX?
The combined state and local sales tax rate in Temple is 8.2%. Texas has no state income tax.
Is Temple, TX affordable?
Yes, Temple is generally considered affordable, with a cost of living index of 79 — about 21% below the US national average of 100.
What is the weather like in Temple?
Temple has average high temperatures of 78.6°F and average lows of 55.6°F. Annual precipitation is 36.4". Average annual snowfall is 0.7". Data from NOAA 1991–2020 Climate Normals.
Temple at a Glance
- Population
- 86,358
- Median Income
- $64,945
- Home Value
- $220,300
- Median Rent
- $1,174/mo
- Unemployment
- 7.2%
- Avg High Temp
- 78.6°F
- Sales Tax
- 8.2%
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Texas Rankings
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