What is the cost of living in Temple, TX?
According to the most recent data on the cost of living, Temple has an overall cost of living index of 95, which is 0.9x lower than the national index of 100.
Compared to Texas, Temple has a cost of living index that's 1.0x higher than Texas's index of 93.
The standard of living in Temple ranks as #188 most affordable out of the 419 places we measured in Texas. By definition, that implies Temple ranks as the #231 most expensive place in the Lone Star State.
For more reading on life in Temple, check out:
Temple Cost Of Living Vs. Texas
Six factors go into calculating the cost of living index in Temple. Here is how it fares on each of the criteria:
The Services index in Temple is 94.
The Groceries index in Temple is 99.
The Health index in Temple is 86.
The Housing index in Temple is 101.
The Transportation index in Temple is 104.
The Utilities index in Temple is 93.
| Living Expense | Temple | Texas | National Average |
|---|---|---|---|
| Overall | 95 | 93 | 100 |
| Services | 94 | 100 | 100 |
| Groceries | 99 | 99 | 100 |
| Health | 86 | 81 | 100 |
| Housing | 101 | 97 | 100 |
| Transportation | 104 | 103 | 100 |
| Utilities | 93 | 100 | 100 |
Temple Cost Of Living Compared To Texas Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Texas, check out:
Protect your home budget Compare home warranties in Temple Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Temple, TX Housing Cost Breakdown
Housing swings affordability the most between places in Texas, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Temple is $249,531.
The Median Rent in Temple is $1,231.
The Median Income in Temple is $68,204.
The Home Value To Income in Temple is 3.7x.
The Rent To Monthly Income in Temple is 0.22x.
Temple, TX Costs By Category
Detailed Temple Services costs vs. Texas
Detailed Temple Groceries costs vs. Texas
Detailed Temple Health costs vs. Texas
Detailed Temple Transportation costs vs. Texas
Temple SnackAbility
Cost Of Living In Cities Around Temple
The cost of living varies in the cities and towns around Temple. Here's a quick look at the cost of living in the most populous nearby places:
Round Rock, TX has a cost of living index of 111, 1.2x Temple.
Georgetown, TX has a cost of living index of 118, 1.2x Temple.
Cedar Park, TX has a cost of living index of 123, 1.3x Temple.
| City | Population | Cost Of Living | Vs. Temple |
|---|---|---|---|
| Round Rock, TX | 127,786 | 111 | 1.2x |
| Georgetown, TX | 85,999 | 118 | 1.2x |
| Cedar Park, TX | 78,301 | 123 | 1.3x |
| Leander, TX | 74,067 | 116 | 1.2x |
| Pflugerville, TX | 65,971 | 109 | 1.1x |
| Hutto, TX | 35,483 | 110 | 1.2x |
| Harker Heights, TX | 34,128 | 104 | 1.1x |
| Belton, TX | 24,356 | 97 | 1.0x |
| Brushy Creek, TX | 19,576 | 121 | 1.3x |
| Hewitt, TX | 16,432 | 101 | 1.1x |
