ZIP Code 76501 — Temple, TX Home Prices (2026)
The typical home in ZIP 76501 (Temple, Texas) is worth about $191,000 at roughly $148 per square foot — about the same as the Temple median and 35% more affordable than the typical U.S. home.
How 76501 compares
ZIP 76501 is a mid-priced ZIP code for Temple: its typical home value of $191,000 ranks #2 of the 3 Temple ZIP codes we track (the citywide range runs from $189,000 in 76504 to $277,000 in 76502). Per square foot it costs about $148, against $149 for Temple as a whole, $173 for Texas, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 76501 | $191,000 | $148 |
| Temple, TX | $191,000 | $149 |
| Texas | $264,000 | $173 |
| United States | $294,000 | $195 |
Home value by size in 76501
Using this ZIP’s rate of about $148 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $148,000 |
| 1,500 sq ft | $222,000 |
| 2,000 sq ft | $296,000 |
| 2,500 sq ft | $370,000 |
| 3,000 sq ft | $444,000 |
Salary needed to buy a home in ZIP 76501
To buy the typical $191,000 home in ZIP 76501 with 20% down, you need a household income of roughly $52,000 a year (about $1,210 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $62,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,600 | $1,510/mo | $65,000/yr |
| 10% (+PMI) | $19,100 | $1,440/mo | $62,000/yr |
| 20% | $38,200 | $1,210/mo | $52,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 76501
At about $148 per square foot, here is roughly how much home different budgets get you in ZIP 76501:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1350 sq ft | around the typical home here |
| $250k | 1690 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2030 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2700 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 76501 home.
Estimate a specific home in 76501
The estimator below is pre-set to ZIP 76501 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Temple ZIP codes by home value
Where 76501 sits among Temple’s 3 ZIP codes:
ZIP 76501 home prices: frequently asked
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See the full Temple home values page, all Texas cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.