Taxes & Insurance in Temple
Texas's no-state-income-tax, property-tax-carries-the-load structure applies fully in Temple. The combined property tax rate for the Temple ISD area is estimated around 2.39%, though this figure carries a disclosed low-confidence flag -- while homeowners insurance (~$1,861/year) prices notably below the Texas state average.
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Learn moreNo state income tax, real property tax load -- with a disclosed data-confidence caveat
Texas levies no state personal income tax, applying uniformly in Temple. For most Temple ISD-area addresses, the combined 2025 property tax rate (school + county + city + community college) is estimated around $2.3877 per $100 of assessed value (roughly 2.39%), with Temple ISD contributing $1.1372/$100 and Temple College $0.2017/$100. This record found a real, disclosed inconsistency in how a specific $0.8778/$100 rate was attributed across different sources in this batch's Bell County research (sometimes to Bell County directly, sometimes to Killeen ISD) -- confidence on the precise combined rate is marked low; verify directly against the Bell County Appraisal District (bellcad.org) or the City of Temple's own tax-rate notices before relying on an exact figure.
No coastal windstorm layer -- and insurance costs price favorably within Texas
Temple is well inland and carries no TWIA-style coastal windstorm-pool requirement. Standard homeowners insurance averages approximately $1,861/year -- notably below the Texas statewide average (cited at $3,429/year in the same source, and $4,085-$4,800/year in other statewide sources used elsewhere in this batch) and well below Killeen's $5,063/year figure in this same Bell County. Coverage-tier estimates range from about $1,905/year ($200K dwelling limit) to $2,683/year ($350K dwelling limit).
Key takeaways
- Texas's no state income tax applies fully in Temple; property tax carries more of the funding load in its place.
- The combined Temple ISD-area property tax rate is estimated around 2.39%, but this figure carries a disclosed LOW confidence flag due to a source-attribution inconsistency found in this batch's Bell County research -- verify directly.
- Temple carries no TWIA-style coastal windstorm-insurance requirement -- and homeowners insurance (~$1,861/year) prices notably below both the Texas state average and Killeen's figure in the same county.
- Coverage-tier estimates range roughly $1,905-$2,683/year depending on dwelling coverage limit.
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