4509 Calle Nogal St · Temple, TX
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 8/10 · Major
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 24 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 77.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +14.2/30.0
- ARV discount +14.0/15.0
- 1% rule +4.9/10.0
- DSCR +4.3/10.0
- Livability +3.8/5.0
- Schools +2.7/10.0
- Condition / age +2.5/5.0
- Rent growth +2.3/5.0
- Appreciation +0.0/10.0
$175,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome to 4509 Calle Nogal in Temple, TX—a beautifully updated single-story home with NO HOA, offering comfort, convenience, and modern finishes in a desirable South Temple location! This 4-bedroom, 2 full bathroom home features a highly sought-after open floorplan, perfect for entertaining and everyday living. A large tiled entry creates a warm welcome and flows seamlessly into the spacious living, dining, and kitchen areas. The home boasts a classic brick exterior, delivering timeless curb appeal and low-maintenance durability. Recent upgrades include a new roof, new flooring, and fresh interior paint (2026), providing added value and peace of mind. The refrigerator is included, making this home truly move-in ready. All bedrooms are thoughtfully positioned on one level, offering functionality and ease for families, first-time homebuyers, or those looking to downsize. The generous lot and established neighborhood add to the home’s overall appeal. Conveniently located near shopping, dining, schools, and major employers, this property is ideal for buyers searching for homes for sale in Temple TX, move-in ready homes, no HOA homes in Temple, or a strong investment property in Central Texas. Don’t miss this opportunity to own a fully updated home in one of Temple’s growing areas!
Key facts
- Brick exterior
- Open floorplan
- New flooring
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/2.0-bath single-family listed at $175k.
Deal economics
- At list price, monthly cash flow is $29 ($353/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $173k (0.9% below list).
- Recommended offer: $164k (6.0% below list) — sets the bar for market timing.
- Cap rate 6.5% vs local median 3.6% in Temple — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 75/100 on livability (#122 in TX, #3,814 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, commute C-, crime D+.
- Temple ISD (urban): math 32% / reading 31% proficiency, ranked #590 of 826 in TX (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: Rents soft (-0.8%/yr); 1126 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,222 units permitted in Bell County in 2024 (246 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
- Bell County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 74 days — a 6% lower offer ($164k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts; this cycle's ask has dropped $18k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Climate carrying-cost: major wind risk, 77% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 74 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.99% ✗
- Cap rate
- 6.49%
- Cash-on-cash
- 0.72%
- DSCR
- 1.03
- GRM
- 8.4
CMA / ARV
- ARV (median comp)
- $204,500
- List price
- $175,000
- Delta
- -14.43%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1023 Paseo Del Plata | 0.24mi | 3/2.0 (-1) | 1,420 (-3%) | 1mo | $240,000 | $169 | 78 |
| 4612 Canyon Rdg | 0.19mi | 3/2.0 (-1) | 1,317 (-10%) | 1mo | $200,000 | $152 | 69 |
| 4413 Lone Star Trl | 0.36mi | 3/2.0 (-1) | 1,367 (-6%) | 1mo | $200,000 | $146 | 67 |
| 4708 Oxford Dr | 0.60mi | 3/2.0 (-1) | 1,504 (+3%) | 1mo | $230,000 | $153 | 61 |
| 1612 Crooked Tree | 0.43mi | 3/2.0 (-1) | 1,577 (+8%) | 2mo | $315,000 | $200 | 60 |
| 5015 Karla Way | 0.59mi | 3/2.0 (-1) | 1,523 (+4%) | 1mo | $249,000 | $163 | 59 |
| 2407 Kingsbury Dr | 0.59mi | 3/2.0 (-1) | 1,533 (+5%) | 1mo | $232,699 | $152 | 58 |
| 2411 Kingsbury Dr | 0.59mi | 3/2.0 (-1) | 1,550 (+6%) | 2mo | $245,000 | $158 | 55 |
| 4301 Cactus Trl | 0.44mi | 3/2.0 (-1) | 1,643 (+12%) | 1mo | $214,000 | $130 | 53 |
| 407 Sterling Manor Ct | 0.64mi | 3/2.0 (-1) | 1,323 (-9%) | 1mo | $199,900 | $151 | 48 |
| 4801 Canterbury Cir | 0.70mi | 3/2.0 (-1) | 1,588 (+9%) | 2mo | $219,000 | $138 | 46 |
| 2111 Madden Rd | 0.69mi | 3/1.5 (-1) | 1,645 (+13%) | 1mo | $219,000 | $133 | 39 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -18.9%
- Equity multiple
- 0.36×
- Total profit
- $-31,462
- Equity at exit
- $26,093
- IRR
- -20.2%
- Equity multiple
- 0.10×
- Total profit
- $-44,198
- Equity at exit
- $15,131
Cash invested: $49,000 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Texas
- 87 Strongly Landlord-Friendly · R+5
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 76502
- Rents YoY
- -0.8%
- Active inventory
- 1126
- Price-to-rent
- 8.4×
Monthly cashflow live
- Estimated rent
- $1,735 high interval (Pro) →
- Mortgage (P&I)
- −$918
- Tax from tax record
- −$351 /mo · $4,207/yr
- Insurance
- −$73
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$364
- Net cashflow
- $29
Break-even live
Sensitivity live
| Price | -10% $128 | -5% $79 | +0% $29 | +5% $-20 | +10% $-70 |
|---|---|---|---|---|---|
| Rent | -10% $-108 | -5% $-39 | +0% $29 | +5% $98 | +10% $166 |
| Rate | -1.0pp $118 | -0.5pp $74 | base $29 | +0.5pp $-16 | +1.0pp $-62 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $43,750
- Closing costs
- $5,250
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1319 Calle de Bronce Unit B Temple, TX | 3.0 | 2.0 | 1400 | $1,600 | $1.14 | 15d | 1 | 0.09mi |
| 826 Kacie Dr Temple, TX | 4.0 | 2.0 | 1562 | $1,725 | $1.10 | 45d | 1 | 0.35mi |
| 4609 High Pointe Dr Temple, TX | 3.0 | 2.0 | 1152 | $1,545 | $1.34 | 45d | 1 | 0.36mi |
| 1613 Avalon Rd Temple, TX | 3.0 | 2.0 | 1388 | $1,650 | $1.19 | 25d | 1 | 0.37mi |
| 3914 S 31st St Temple, TX | 3.0 | 2.0 | 1262 | $1,250 | $0.99 | 15d | 1 | 0.40mi |
| 1914 Buckskin Trl Temple, TX | 3.0 | 2.0 | 1406 | $1,675 | $1.19 | 45d | 1 | 0.43mi |
| 5107 Leaning Tree Temple, TX | 4.0 | 2.0 | 1636 | $1,895 | $1.16 | 25d | 1 | 0.45mi |
| 4706 Hartrick Bluff Rd Temple, TX | 3.0 | 2.0 | 1257 | $1,550 | $1.23 | 45d | 1 | 0.46mi |
| 802 Hartrick Cir Temple, TX | 3.0 | 2.0 | 1400 | $1,645 | $1.18 | 45d | 1 | 0.46mi |
| 3906 Mariam Rd Temple, TX | 3.0 | 2.0 | 1301 | $1,400 | $1.08 | 25d | 1 | 0.46mi |
| 615B Kacie Dr Unit B Temple, TX | 3.0 | 2.0 | 1300 | $1,295 | $1.00 | 25d | 1 | 0.50mi |
| 615 Kacie Dr Temple, TX | 3.0 | 2.0 | 1300 | $1,295 | $1.00 | 25d | 1 | 0.51mi |
| 614 Paseo del Plata Unit A Temple, TX | 3.0 | 2.0 | 1316 | $1,350 | $1.03 | 45d | 1 | 0.51mi |
| Karey Dr Unit B Temple, TX | 3.0 | 2.0 | 1450 | $1,395 | $0.96 | 25d | 1 | 0.53mi |
| 602 Kacie Dr Unit A Temple, TX | 3.0 | 2.0 | 1340 | $1,395 | $1.04 | 15d | 1 | 0.53mi |
| 5005 Warwicke Dr Temple, TX | 3.0 | 2.0 | 1468 | $1,850 | $1.26 | 45d | 1 | 0.53mi |
| 2314 Kingsbury Dr Temple, TX | 3.0 | 2.0 | 1712 | $1,850 | $1.08 | 25d | 1 | 0.54mi |
| 2314 Kingsbury Dr Temple, TX | 3.0 | 2.0 | 1712 | $1,745 | $1.02 | 45d | 1 | 0.54mi |
| 516 Karey Dr Unit A Temple, TX | 3.0 | 2.0 | 988 | $2,100 | $2.13 | 45d | 1 | 0.55mi |
| 4802 Silver Wood Ct Temple, TX | 3.0 | 2.0 | 1255 | $1,550 | $1.24 | 25d | 1 | 0.56mi |
| 504 Karey Dr Unit A Temple, TX | 3.0 | 2.0 | 1316 | $1,275 | $0.97 | 45d | 1 | 0.58mi |
| 3809 Lancelot Ln Temple, TX | 3.0 | 2.0 | 1397 | $1,645 | $1.18 | 45d | 1 | 0.58mi |
| 505 Kacie Dr Temple, TX | 3.0 | 2.0 | 1316 | $1,425 | $1.08 | 45d | 1 | 0.59mi |
| 4521 Brutus Ln Unit B Temple, TX | 3.0 | 2.0 | 1350 | $1,395 | $1.03 | 45d | 1 | 0.61mi |
| 4403 Brutus Ln Unit B Temple, TX | 3.0 | 2.0 | 1316 | $1,400 | $1.06 | 25d | 1 | 0.61mi |
| 4615 Brutus Ln Temple, TX | 3.0 | 2.0 | 1350 | $1,295 | $0.96 | 15d | 1 | 0.62mi |
| 5020 Sean Patrick Gln Temple, TX | 4.0 | 2.0 | 1776 | $1,950 | $1.10 | 23d | 1 | 0.64mi |
| 3608 S 31st St Temple, TX | 1.0–3.0 | 1.0–2.0 | 1000 | $1,135 | $1.14 | 15d | 2 | 0.64mi |
| 2412 Wilshire Dr Temple, TX | 3.0 | 2.0 | 1736 | $1,995 | $1.15 | 23d | 1 | 0.65mi |
| 764 Marlandwood Rd Temple, TX | 1.0–3.0 | 1.0–2.0 | 975 | $1,655 | $1.70 | 15d | 33 | 0.69mi |
| 4713 Stagecoach Trl Temple, TX | 3.0 | 2.0 | 1808 | $1,650 | $0.91 | 45d | 1 | 0.75mi |
| 2705 San Jacinto Rd Temple, TX | 3.0 | 2.0 | 1313 | $1,495 | $1.14 | 45d | 1 | 0.78mi |
| 2709 San Jacinto Rd Temple, TX | 3.0 | 2.0 | 1221 | $1,550 | $1.27 | 25d | 1 | 0.78mi |
| 212A Andy Ln Temple, TX | 3.0 | 2.0 | 1300 | $1,395 | $1.07 | 45d | 1 | 0.83mi |
| 911 Ferrara Cir Unit A Temple, TX | 3.0 | 2.0 | 1215 | $1,350 | $1.11 | 15d | 1 | 0.84mi |
| 208A Andy Ln Temple, TX | 3.0 | 2.0 | 1300 | $1,395 | $1.07 | 45d | 1 | 0.84mi |
| 3506 S 5th St Temple, TX | 1.0–3.0 | 1.0–2.0 | 1054 | $1,885 | $1.79 | 15d | 23 | 0.86mi |
| 623 Azalea Dr Temple, TX | 1.0–3.0 | 1.0–2.0 | 1114 | $1,899 | $1.70 | 15d | 13 | 0.89mi |
| 2810 Daniel Boone Trl Temple, TX | 4.0 | 2.0 | 1228 | $1,372 | $1.12 | 45d | 1 | 0.90mi |
| 5620 Blackstone Dr Temple, TX | 3.0 | 2.0 | 1723 | $1,795 | $1.04 | 45d | 1 | 0.90mi |
Listing history 21 events
-
2026-06-22days on market $175,000 Active 74 DOM
-
2026-06-18days on market $175,000 Active 71 DOM
-
2026-06-17days on market $175,000 Active 70 DOM
-
2026-06-16statusdays on market $175,000 Active 69 DOM
-
2026-06-15days on market $175,000 Active Under Contract 68 DOM
-
2026-06-14statusdays on market $175,000 Active Under Contract 66 DOM
-
2026-06-10days on market $175,000 Active 63 DOM
-
2026-06-09days on market $175,000 Active 62 DOM
-
2026-06-08days on market $175,000 Active 61 DOM
-
2026-06-07pricedays on market $175,000 Active 60 DOM
-
2026-06-03days on market $185,000 Active 56 DOM
-
2026-06-02days on market $185,000 Active 55 DOM
-
2026-06-01days on market $185,000 Active 54 DOM
-
2026-05-31days on market $185,000 Active 53 DOM
-
2026-05-30days on market $185,000 Active 52 DOM
-
2026-05-08price $185,000 1325-char remark
Show marketing remark (1323 chars)
Welcome to 4509 Calle Nogal in Temple, TX—a beautifully updated single-story home with NO HOA, offering comfort, convenience, and modern finishes in a desirable South Temple location! This 4-bedroom, 2 full bathroom home features a highly sought-after open floorplan, perfect for entertaining and everyday living. A large tiled entry creates a warm welcome and flows seamlessly into the spacious living, dining, and kitchen areas. The home boasts a classic brick exterior, delivering timeless curb appeal and low-maintenance durability. Recent upgrades include a new roof, new flooring, and fresh interior paint (2026), providing added value and peace of mind. The refrigerator is included, making this home truly move-in ready. All bedrooms are thoughtfully positioned on one level, offering functionality and ease for families, first-time homebuyers, or those looking to downsize. The generous lot and established neighborhood add to the home’s overall appeal. Conveniently located near shopping, dining, schools, and major employers, this property is ideal for buyers searching for homes for sale in Temple TX, move-in ready homes, no HOA homes in Temple, or a strong investment property in Central Texas. Don’t miss this opportunity to own a fully updated home in one of Temple’s growing areas!
-
2026-05-08price $185,000 1323-char remark
Show marketing remark (1323 chars)
Welcome to 4509 Calle Nogal in Temple, TX—a beautifully updated single-story home with NO HOA, offering comfort, convenience, and modern finishes in a desirable South Temple location! This 4-bedroom, 2 full bathroom home features a highly sought-after open floorplan, perfect for entertaining and everyday living. A large tiled entry creates a warm welcome and flows seamlessly into the spacious living, dining, and kitchen areas. The home boasts a classic brick exterior, delivering timeless curb appeal and low-maintenance durability. Recent upgrades include a new roof, new flooring, and fresh interior paint (2026), providing added value and peace of mind. The refrigerator is included, making this home truly move-in ready. All bedrooms are thoughtfully positioned on one level, offering functionality and ease for families, first-time homebuyers, or those looking to downsize. The generous lot and established neighborhood add to the home’s overall appeal. Conveniently located near shopping, dining, schools, and major employers, this property is ideal for buyers searching for homes for sale in Temple TX, move-in ready homes, no HOA homes in Temple, or a strong investment property in Central Texas. Don’t miss this opportunity to own a fully updated home in one of Temple’s growing areas!
-
2026-04-08$193,500 Active 1325-char remark
Show marketing remark (1323 chars)
Welcome to 4509 Calle Nogal in Temple, TX—a beautifully updated single-story home with NO HOA, offering comfort, convenience, and modern finishes in a desirable South Temple location! This 4-bedroom, 2 full bathroom home features a highly sought-after open floorplan, perfect for entertaining and everyday living. A large tiled entry creates a warm welcome and flows seamlessly into the spacious living, dining, and kitchen areas. The home boasts a classic brick exterior, delivering timeless curb appeal and low-maintenance durability. Recent upgrades include a new roof, new flooring, and fresh interior paint (2026), providing added value and peace of mind. The refrigerator is included, making this home truly move-in ready. All bedrooms are thoughtfully positioned on one level, offering functionality and ease for families, first-time homebuyers, or those looking to downsize. The generous lot and established neighborhood add to the home’s overall appeal. Conveniently located near shopping, dining, schools, and major employers, this property is ideal for buyers searching for homes for sale in Temple TX, move-in ready homes, no HOA homes in Temple, or a strong investment property in Central Texas. Don’t miss this opportunity to own a fully updated home in one of Temple’s growing areas!
-
2026-04-08$193,500 Active 1323-char remark
Show marketing remark (1323 chars)
Welcome to 4509 Calle Nogal in Temple, TX—a beautifully updated single-story home with NO HOA, offering comfort, convenience, and modern finishes in a desirable South Temple location! This 4-bedroom, 2 full bathroom home features a highly sought-after open floorplan, perfect for entertaining and everyday living. A large tiled entry creates a warm welcome and flows seamlessly into the spacious living, dining, and kitchen areas. The home boasts a classic brick exterior, delivering timeless curb appeal and low-maintenance durability. Recent upgrades include a new roof, new flooring, and fresh interior paint (2026), providing added value and peace of mind. The refrigerator is included, making this home truly move-in ready. All bedrooms are thoughtfully positioned on one level, offering functionality and ease for families, first-time homebuyers, or those looking to downsize. The generous lot and established neighborhood add to the home’s overall appeal. Conveniently located near shopping, dining, schools, and major employers, this property is ideal for buyers searching for homes for sale in Temple TX, move-in ready homes, no HOA homes in Temple, or a strong investment property in Central Texas. Don’t miss this opportunity to own a fully updated home in one of Temple’s growing areas!
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2007-01-05soldstatus
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1994-02-14soldstatus
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast TX · Resets to sale price
- Current annual tax
- $4,207 · $351/mo
- Projected year-2 tax
- $4,207 · $351/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 8/10 Severe 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
- Wind 6/10 Major 77% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $20,819
- − Mortgage interest
- −$9,803
- − Property taxes
- −$4,207
- − Insurance
- −$875
- − Repairs & maintenance
- −$1,666
- − Management
- −$1,666
- − Depreciation
- −$5,091
- Taxable loss
- −$2,487
- Est. tax savings @ 24.0%
- +$597
- After-tax cash flow
- $950/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Temple ISD
- NCES district ID
- 4842330
- Math proficiency
- 32% ▼ -8.00%
- Reading proficiency
- 31% ▼ -4.00%
- Median HH income
- $43,120
- Composite
- 26.8/100
- National rank
- #7123
- State rank
- #590 of 826 in TX
Livability — Temple
- Score
- 75/100
- State rank
- #122
- US rank
- #3814
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Temple, TX
- County
- Bell County · 345,090 people
- City population
- 96,587
- Metro
- Killeen-Temple, TX
- Population (ZIP)
- 52,669
- Household income
- $82,088
- Rent vs Own
- Severe rent burden
- 1890.0
Population outlook (Bell County) Hauer SSP2
- Today (2025)
- 371,114 people
- By 2030
- 389,104 · +4.8%
- By 2040
- 420,592 · +13.3%
- By 2050
- 447,779 · +20.7%
- By 2075
- 499,130 · +34.5%
- By 2100
- 505,680 · +36.3%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.59)
- Race & ethnicity
- White 58% Hispanic / Latino 26% Two or more races 15% Black 9% Asian 3%
- Hispanic origin (detail)
- Mexican 21% Puerto Rican 2%
- Common ancestry
- Italian 2% Slovak 2% Serbian 1%
- Foreign-born
- 7% · Canada, South Korea, China
- Languages at home
- 86% English-only · Spanish 10% Other Indo-European 1% Korean 1%
Political lean MEDSL · Bell
- 2024 margin
- R (+16.2) · D 41.3% · R 57.6% · Other 1.1%
- 2008→2024 swing
- -6.5pp toward R · 2008: -9.8pp · 2024: -16.2pp
- All cycles
- 2024: R+16.2 2020: R+8.5 2016: R+15.1 2012: R+16.4 2008: R+9.8
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -216.80%
- Current HPI
- 166.927
- Rent YoY
- ▼ -0.79%
- Metro
- Killeen-Temple, TX
- State GDP YoY
- ▲ 3.95%
- F500 in state
- 110
Industry mix (Fortune 500 HQ in TX)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Energy | 16 | $1,198B |
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| Technology | 5 | $198B |
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| Engineering / Construction | 4 | $72B |
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| Energy Services | 3 | $60B |
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| Utilities | 3 | $41B |
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| Healthcare | 2 | $330B |
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Price history
-4.4% since first listed6 events — show timeline
- 2026-05-08 Price Changed $185,000 CTXMLS
- 2026-05-08 Price Changed $185,000 Unlock MLS
- 2026-04-08 Listed $193,500 Unlock MLS
- 2026-04-08 Listed $193,500 CTXMLS
- 2007-01-05 Sold (Public Records) — Public Records
- 1994-02-14 Sold (Public Records) — Public Records
Property tax history
+6.2%/yrLatest (2025): $4,207 · -5.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…