Cost of Living
per year
per month
How Temple's prices compare to the US city average across major spending categories.
How far does your salary go in Temple?
Your $100,000 in Temple has the same purchasing power as $114,587 in the average US city. You'd need $14,587 less here to maintain that standard of living.
Demographics and workforce data from the US Census ACS 5-Year.
bachelor's or higher
Climate, safety, and walkability indicators.
See a side-by-side breakdown of cost of living, housing, and salaries.
Popular comparisons
Sorted by affordability — most affordable first.
Within 10 points of Temple's cost index of 87, sorted by closest match.
People moving to Temple usually have at least one specific reason. Most of them line up with what the data shows: living costs come in under the us baseline, wage income stays untaxed at the state level, plus 3 more things worth knowing. Here's what's actually on the table.
Temple sits at 87 on the composite cost-of-living index — about 13% under the national average. Not the cheapest place in the country, but enough of a discount to notice on rent and groceries every month. Median rent in town runs about $1,088/mo against a typical household income of $61,003, which is the kind of ratio that leaves room to save.
Wage income in Temple isn't taxed at the state level. Texas is one of the few US states with no income tax, which is one of the reasons people relocating from high-tax states tend to land here in the first place.
Temple reports about 2,116 crime incidents per 100,000 residents — a step below the US average of around 3,500. The citywide number averages over neighborhoods that can vary a lot, but the headline number is friendlier than most American cities of comparable size.
Temple's air quality index averages about 39 — comfortably in the EPA's "good" range. No daily ritual of checking the AQI before going for a run, no smoky-day plans, no surprise asthma flare-ups for the kids. The kind of background condition you notice mostly by its absence.
The average one-way commute in Temple is about 20 minutes — short by US standards (the national average is closer to 27). Over a year of working days, that's hundreds of hours that don't get spent in traffic, which is the kind of thing you notice in the weekend rather than the weekday.
Reasons are pulled from Temple's actual data — Census ACS, BLS, BEA, NOAA, EPA AQS, FBI, and Walk Score. We don't list positives that aren't supported by the numbers, which is why different cities show different sections.
Now and then. Temple's winters are cool rather than truly cold — about 40°F on average — so most of the precipitation falls as rain. A snowy morning happens a few times a season; sustained accumulation is rare.
Mild on the cold side. Temple's winter average of about 40°F is the kind of weather where you want a jacket but the heating bill is manageable. Snow is rare, frost is occasional, and the lawn never really browns out.
Genuinely hot. Summer in Temple averages about 95°F, and peak afternoons run well over a hundred. Outdoor plans move to mornings and evenings; AC is the most-used appliance in the house.
Zone 9, give or take a half-zone. Temple's typical winter low puts it in that band on the USDA Hardiness map, which is what nurseries label plants against. Use Zone 9 as your starting filter; the USDA's interactive map is more precise for borderline cases.
Temple is at about 614 feet (187 m) above sea level. High enough to be solidly above any coastal concern, low enough that altitude isn't a factor.
Atlantic basin storms can form from June 1 to November 30, but the serious ones cluster in August, September, and the first half of October. Residents of Temple learn the season's rhythm fast: watch the cone, board up when it's the call, and don't shrug off the slow-mover storms — those are usually the ones that flood.
Average for an American city. Temple's reported crime rate of about 2,116 per 100,000 residents sits roughly in line with the US baseline of ~3,500. Like anywhere else, the citywide number masks real differences between neighborhoods — worth looking at specific areas before deciding.
No — your dollar actually goes further here. Temple's composite cost-of-living index is 87, roughly 13% under the US average. Housing is usually the biggest driver of the discount.
Mostly car-dependent. Temple's Walk Score of 25/100 means a handful of errands work on foot — depending on the neighborhood — but most residents still need a car for the rest.
Roughly $61,089 a year would match the lifestyle of someone earning $70,000 in an average US city. That's a starting point, not a target — negotiate higher when you can. Median rent in Temple runs about $1,088/mo — keeping housing under 30% of gross income points to a similar floor on what you'd want to earn.