How much do homeowners pay a month in Temple Terrace, FL?

Name: Homeowner costs in Temple Terrace, FL, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Temple Terrace, FL pay a median of $1,743 (±$109) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $727 (±$41).

58.7% of owned homes carry a mortgage.

In Temple Terrace, the median monthly cost with a mortgage went from $1,522 in 2015–2019 to $1,743 in 2020–2024 (+14.5%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $1,743 (±$109)
Without a mortgage: $727 (±$41)
Owned with a mortgage: 58.7%

Monthly owner costs in Temple Terrace

Median selected monthly owner costs, estimate (90% margin of error)
	Temple Terrace	Hillsborough County	Florida	United States
With a mortgage	$1,743 (±$109)	$2,003 (±$23)	$1,959 (±$5)	$1,963
Without a mortgage	$727 (±$41)	$657 (±$11)	$673 (±$3)	$638
Owned homes with a mortgage	58.7% (±4.5 points)	64.4% (±0.6 points)	56.3% (±0.2 points)	60.6%
Median real estate taxes (a year)	$2,367 (±$183)	$3,010 (±$51)	$2,730 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Temple Terrace, the median cost with a mortgage is lower than in Hillsborough County ($2,003).

It is also lower than in Florida ($1,959).

It is lower than the national figure ($1,963).

In Hillsborough County, Temple Terrace ranks 26 of 33 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 469 of 830.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Temple Terrace have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,522 (±$80)	$1,743 (±$109)	+14.5%	No measurable change after inflation
Median real estate taxes	$2,009 (±$144)	$2,367 (±$183)	+17.8%	No measurable change after inflation
Median home value	$228,900 (±$11,503)	$334,800 (±$16,681)	+46.3%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Temple Terrace

Nearest places with a published estimate, compared with Temple Terrace
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Temple Terrace	—	$1,743 (±$109)	—
East Lake-Orient Park	2.7 mi	$1,374 (±$78)	Lower
University (Hillsborough County)	4.2 mi	$1,400 (±$334)	Not measurably different
Thonotosassa	4.8 mi	$1,883 (±$341)	Not measurably different
Mango	5.5 mi	$1,437 (±$96)	Lower
Seffner	6.8 mi	$1,768 (±$139)	Not measurably different
Lake Magdalene	7.1 mi	$1,840 (±$83)	Not measurably different
Tampa	8.1 mi	$2,179 (±$54)	Higher
Lutz	8.1 mi	$2,360 (±$120)	Higher

Nearby places with a measurably lower figure: East Lake-Orient Park, FL ($1,374), Mango, FL ($1,437).

Nearby places with a measurably higher figure: Tampa, FL ($2,179), Lutz, FL ($2,360).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Hillsborough County, place by place

Rank	Place	Median monthly cost with a mortgage
20	Town 'n' Country	$1,818 (±$54)
21	Progress Village	$1,813 (±$212)
22	Ruskin	$1,787 (±$97)
23 (tie)	Brandon	$1,768 (±$55)
23 (tie)	Seffner	$1,768 (±$139)
25	Plant City	$1,745 (±$101)
26	Temple Terrace	$1,743 (±$109)
27	Balm	$1,713 (±$132)
28	Egypt Lake-Leto	$1,660 (±$96)
29	Palm River-Clair Mel	$1,556 (±$120)
30	Mango	$1,437 (±$96)
31	University (Hillsborough County)	$1,400 (±$334)
32	East Lake-Orient Park	$1,374 (±$78)

Showing 13 of 33 places in Hillsborough County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Temple Terrace

What is the average mortgage payment in Temple Terrace?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Temple Terrace, FL is $1,743 (±$109) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Temple Terrace?

Owners without a mortgage in Temple Terrace pay a median of $727 (±$41) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Temple Terrace gone up?

In Temple Terrace, the median monthly cost with a mortgage went from $1,522 in 2015–2019 to $1,743 in 2020–2024 (+14.5%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Temple Terrace city, Florida (place:71400, in state:12).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.