Temple Terrace, FL — Momentum Score, Home Values & Best-For

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Hillsborough County · Tampa-St. Petersburg-Clearwater · population 27,588

Temple Terrace, FL
Image: Wikipedia · Temple Terrace, Florida
OverviewCost of livingMoving guide
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57
Stable
Momentum score · 0–100

Where Temple Terrace stands

Home values down 3.4% in the last year.

Median home $325,344
1-year -3.4%
5-yr CAGR +6.1%
vs 5-yr peak -6.6%
Population +0.8%/yr

Home value trajectory · last 10 years

Zillow ZHVI · monthly
peak 2024-05$325k$143k$216k$289k$362k201620182020202220242026

Lifestyle scores

🚶
Walkability
32/100
Very car-dependent
Estimated from population density. Higher = denser, more amenities within walking distance.
🚉
Public transit
15/100
Transit limited
Curated list of major US transit systems + population-based estimate. Higher = real subway/rail/bus options.
💻
Remote work fit
94/100
Excellent for remote work
Composite of city size, housing cost, state tax structure, and region's remote-work track record.

Scores are heuristic estimates from population density, state, and known transit/walkable cities. Not based on a paid Walk Score / Transit Score API — see methodology for the formula.

Rent trajectory · last 5 years

Zillow ZORI · monthly
$1,723/mo$1,189$1,523$1,858202220242026

Home value vs rent · indexed to 100

Both rebased at first month of ZORI data (~2015)
Home valueRent134136100120140202220242026

Rent vs buy

Price-to-rent ratio: 15.7
Lean buy

At a 15.7 price-to-rent ratio, Temple Terrace is in the 'depends on horizon' zone. Buy if you'll be there 5+ years and value flexibility on the home; rent if you might move, want zero maintenance friction, or expect rates to drop.

How the momentum score breaks down

methodology →
Home YoY
33 · w22%
Home 5-yr CAGR
70 · w22%
Distance from peak
55 · w18%
Population growth
62 · w16%
Rent YoY
51 · w12%
Home 10-yr CAGR
80 · w10%
Long thesis

Temple Terrace has held up across the cycle: home values at $325,344 with +6.1% 5-year CAGR. The bull case is structural — population, location, employer base — and holds even if next year's print is soft.

Short thesis

Temple Terrace is in a state where home insurance costs have doubled, climate risk repricing is still in progress, and the buyer pool is constrained by both. The bear case writes itself and is currently winning.

About Temple Terrace

Temple Terrace is a city in Hillsborough County, Florida, with an estimated population of 27,588. It anchors the Tampa-St. Petersburg-Clearwater metro area. The population grew 0.8% annually from 2020 to 2024, a moderate gain. The median home value in Temple Terrace is $325,344 as of 2026-04, down 3.4% over the last 12 months. Over the last five years, home values have averaged +6.1% annual growth (-6.6% from the 5-year peak). Rents in Temple Terrace average $1,723 per month, roughly flat year-over-year (+0.9%). The composite momentum score is 57 of 100 (Stable). Conditions are neither hot nor cold, so the local fit matters more than market timing.

▲ Bull case

●Healthy 5-year run: +6.1% annualized over 5 years, outpacing US inflation.
○The data is the data: Temple Terrace has at least 5 years of Zillow tracking, full Census identification, and is included in the 2-criteria momentum score on this page.

▼ Bear case

●Cooling: -3.4% over the trailing year — momentum has stalled.
○Local nuance: city-level data smooths over neighborhood differences. School zones, HOA rules, and street-level character matter — visit before deciding.

About Temple Terrace (Wikipedia)

Temple Terrace is a city in northeastern Hillsborough County, Florida, United States, adjacent to Tampa. As of the 2020 census, the city had a population of 26,690. It is the third and smallest incorporated municipality in Hillsborough County, after Tampa and Plant City. Incorporated in 1925, the community is known for its rolling landscape, bucolic Hillsborough River views, and sand live oak trees; it is a Tree City USA. Originally planned in the 1920s as a Mediterranean-Revival golf course community, it is one of the first such communities in the United States. It is part of the Tampa–St. Petersburg–Clearwater Metropolitan Statistical Area, more commonly known as the Tampa Bay area.

Source: Wikipedia · this summary is contributed and licensed under CC-BY-SA.

Playbook

Buyer

Lifestyle fit matters more than market timing in a Stable market. Take your time on the home and neighborhood; the macro trend isn't urgent. Negotiate normally.

Seller

Price competitively from day one or risk a 60+ day listing. Staging, photography, and presentation matter more in Stable markets than in Hot ones.

Investor

Stable cap rates, no big appreciation story to lean on. Underwrite this as a pure cash-flow play — the math has to work on rent alone.

Local safety & alerts

No active National Weather Service alerts for Hillsborough County right now.

NWS active alerts (FL)Florida Emergency ManagementHow to prepare (NWS)

Public-safety links are official .gov sources, not curated by us. Hillsborough County routes NWS alerts; check the state EM portal for non-weather emergencies.

Cities like Temple Terrace

Winter Springs, FL60 · StableNorth Lauderdale, FL54 · StableRiviera Beach, FL58 · StableAltamonte Springs, FL53 · Stable

Run the numbers for Temple Terrace

ToolCan I afford Temple Terrace?Income → city shortlistToolROI on a Temple Terrace rentalCap rate, cash-on-cash, DSCRToolCompare Temple Terrace to anywhereSide-by-side up to 3 citiesToolTemple Terrace cost-of-livingEquivalent income elsewhere

Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.

Climate & natural-disaster risk

Winter (Jan)
70° / 51°
avg high / low
Summer (Jul)
90° / 73°
avg high / low
Sunny days/yr
233
~64% of year
Annual precip
54″ rain
0″ snow
Disaster risk (1=very low, 5=very high)
Hurricane
Very high
Tornado
Moderate
Wildfire
Low
Earthquake
Very low
Flood
Very high

State-level averages from NOAA Climate Normals (1991-2020) and FEMA National Risk Index. City-level conditions can vary significantly within a state.

Local sports teams

Major professional teams the Tampa-St. Petersburg-Clearwater area cheers for. Detailed stats, schedules, and player pages on intherafters.com.

Current weather

Loading current conditions…

7-day forecast on weather.gov →

Find rentals & listings

Open current Temple Terrace listings on the major real-estate sites.

Links open the live search on the destination site — results are always current.

Local news & community

Updated 2026-05-21 from Google News + Reddit RSS. Headlines link to original sources.

Local economy & environment

Humidity
76%
Very humid climate
Median household income
$67,900
Florida state median
Top industries (state-level)
TourismHealthcareConstruction

Humidity is annual average relative humidity (NOAA). Income is Census ACS 5-year estimate. Industries are largest employment sectors statewide (BLS); the local mix in a given city may vary.

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