Moving to Temple Terrace, Florida: The 2026 Data Guide
As of 2026-09-27, the median home sold in Temple Terrace, Florida over the last 12 months went for $400,000 (210 closings across 58 communities in Momentum’s MLS record), about $217 per square foot for a median 1,806-sq-ft home built around 1981. Homes currently listed have been on the market a median of 26 days, and with 76 active listings against that sales pace the city is carrying roughly 4.3 months of supply. Sellers have been getting about 96% of their original asking price. That is right in line with the median across Momentum’s Florida and Georgia coverage.
Temple Terrace right now — September 2026
Live pages for your move: 85 homes for sale in Temple Terrace · Condos (21) · Townhomes (9) · Homes by ZIP (2 ZIPs) · New listings this week · Price reductions · What your budget buys in Hillsborough County · Cost of living · Best neighborhoods · Property tax · Hillsborough County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 27, 2026.
What your budget buys in Temple Terrace
Three price points from 192 recent Temple Terrace closings in our record, each showing what actually closed within 10% of that price:
- Around $240,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,384 sq ft, built around 1981 (10 sales).
- Around $400,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,772 sq ft, built around 1971 (33 sales).
- Around $485,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 2,197 sq ft, built around 1981 (37 sales).
The real monthly cost of owning in Temple Terrace
Take the median $400,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $2,135/month. Hillsborough County’s typical total millage is 15.73 mills, so after the $50,000 homestead exemption the property tax is roughly $5,505/year ($459/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Hillsborough County is about $1,816/year; private-market quotes vary with roof age and wind mitigation. 39% of current Temple Terrace listings carry an HOA, with a median of $384/month where one applies. All in, budget on the order of $2,745/month to own the median Temple Terrace home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Hillsborough County property tax guide and our home insurance by county map.
Where people are buying: Temple Terrace’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Temple Terrace Estates | 31 | $445,000 | 21 |
| Temple Park | 17 | $300,000 | 26 |
| Temple Terraces | 16 | $335,000 | 12 |
| Temple Terrace | 13 | $435,000 | 23 |
| Raintree Village Condo N | 13 | $135,000 | 87 |
| Temple Terrace Riverside Subdi | 11 | $400,000 | 68 |
| Theresa Arbor | 10 | $598,000 | 34 |
| Vista Del Rio | 8 | $402,500 | 90 |
Temple Terrace by ZIP code
Sales and medians by ZIP over the same 12 months: 33617 (126 sales, median $425,000), 33637 (63 sales, median $300,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 73% were single-family homes, 9% townhomes or villas, and 18% condos. The housing stock skews older: 2% of homes sold were built in 2015 or later and 42% before 1980.
Getting around from Temple Terrace
Measured from the center of Temple Terrace’s recent sales: Downtown Tampa is about 8 miles; Tampa International Airport (TPA) is about 11 miles; Lakeland is about 26 miles; Sarasota is about 50 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Hillsborough County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Hillsborough County’s typical millage of 15.73; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Hillsborough County average of $1,816/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Temple Terrace: the case for and against
What works in Temple Terrace’s favor
- homes move quickly (median 26 days listed), so well-priced homes get competition
- insurance is comparatively manageable here (Citizens average $1,816/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Temple Terrace relocation toolkit
- Homes for sale in Temple Terrace right now
- Cost of living in Temple Terrace
- Best neighborhoods in Temple Terrace
- Find an agent in Temple Terrace
- Temple Terrace ZIP codes with prices
- Search every Temple Terrace community
Common questions about moving to Temple Terrace
How much does a house cost in Temple Terrace, FL?
What does it cost per month to own a home in Temple Terrace?
What are property taxes like in Temple Terrace?
Is Temple Terrace a buyer's or seller's market right now?
Is there a lot of new construction in Temple Terrace?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Temple Terrace communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Hillsborough County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.