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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Temple, TX Housing Affordability Index

Temple, Texas has an MBR Housing Affordability Index score of 102.2 (Near National Average) as of October 30, 2026, ranking 962nd most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $239,000 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,310, or 23% of the city’s $68,204 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Temple is updated every night from live Texas mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Temple MBR-HAI 102.2 Near National Average
Rank in Texas 962 of 1,229 1 = most affordable
Texas 99.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.29% Texas lenders
Median home value $239,000 U.S. Census Bureau

Temple is 3.0 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Temple Mortgage Rates

What It Takes to Buy in Temple

$1,310/mo
Principal & Interest
Median home, 20% down, 7.29%
$56,100
Income Needed
To keep the payment at 28% of income
$68,204
Median Household Income
Texas: $78,476
3.5x
Price-to-Income Ratio
Texas: 3.6x
$1,306/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,333/yr
Median Property Tax
1.81% of median value
24.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Temple, Texas. The rate is the Texas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Temple Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Temple, Texas score: 102.2 (Near National Average), ranked 962 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/temple”