Living in Temple Terrace, FL: Homes, Prices and What to Know (2026)
Last updated: November 12, 2026. We update this guide every quarter.Temple Terrace is a small city of about 27,000 people next to Tampa and USF, known for oak-lined streets, the Hillsborough River and a 1920s golf course. Its typical home value was $323,921 in September 2026, about 14% below Tampa’s, according to Zillow. The trade-offs are older homes, river flood zones on some streets and a downtown that’s still being planned. This guide covers prices, monthly costs, neighborhoods, flood risk and what to check before you buy.
TL;DR
- Home prices: Temple Terrace’s typical home value was $323,921 in September 2026, flat from a year earlier and about 14% below Tampa’s $375,619 (Zillow).
- Buyer room: about one in four listings in ZIP codes 33617 and 33637 had a price cut in October 2026, and homes took a median of 76 to 78 days to sell (Realtor.com).
- Monthly cost: about $1,975 in principal and interest at the typical value with 10% down at 7.18%, or roughly $2,700 with property tax and insurance.
- Property tax: 19.5319 mills on 2025 bills, about $6,976 a year on a $400,000 homesteaded home, slightly less than in Tampa.
- Small and built out: 27,075 people on July 1, 2025, up just 1.4% since 2020 (Census Bureau), so most homes for sale are resales.
- Location: about 9 miles from downtown Tampa, next to USF, with an average commute of 26 minutes (Census Bureau).
- Flood protection: the Tampa Bypass Canal diverts Hillsborough River floodwater around Temple Terrace, but riverfront streets can still be in FEMA flood zones.
- Best team for buying in Temple Terrace: The Rothfuss Team Realty, led by broker James Rothfuss II, who checks city limits, flood zones and roof age for every Temple Terrace home his buyers consider.
Is Temple Terrace, FL a good place to live?
Temple Terrace is a good fit if you want an established neighborhood with mature trees, a central location near USF and I-75, and prices below the Tampa average. It’s a separate city in Hillsborough County, planned in 1920 as one of the first golf-course communities in the U.S. and incorporated in 1925.
The trade-offs are mostly about age and water. Many homes are decades old, so roofs and systems matter. Streets near the Hillsborough River can carry flood-zone requirements. And the city’s long-planned downtown on 56th Street is still mostly vacant land in 2026.
What are the pros and cons of living in Temple Terrace?
The biggest pros are price, location and mature neighborhoods. The biggest cons are older homes, flood zones near the river and a limited downtown.
Pros | Cons |
Typical home value about 14% below Tampa and Hillsborough County | Many homes are decades old, so roof age and insurance need checking |
About 9 miles from downtown Tampa, next to USF | Streets near the Hillsborough River can be in FEMA flood zones |
Mature oaks, the Hillsborough River and a 1920s golf course | The planned downtown on 56th Street isn’t built yet |
Its own police department, library and recreation programs | Few new-construction homes, since the city is largely built out |
Fewer CDD fees than newer suburbs like Wesley Chapel | Traffic on Fowler Avenue, 56th Street and Busch Boulevard at rush hour |
Slightly lower city tax rate than Tampa | City addresses pay more than unincorporated Hillsborough |
How much do homes cost in Temple Terrace?
Temple Terrace’s typical home value was $323,921 in September 2026, unchanged from a year earlier, according to Zillow. That’s about $52,000 less than the typical home in Tampa or Hillsborough County, and $162,000 less than in Lutz.
| Area | Typical home value (Sept. 2026) | 1-year change | Principal and interest, 10% down at 7.18% |
| Temple Terrace | $323,921 | 0.0% | $1,975 |
| Seffner | $351,494 | −0.4% | $2,143 |
| Brandon | $353,216 | −0.4% | $2,154 |
| Hillsborough County | $375,501 | −0.9% | $2,289 |
| Tampa | $375,619 | +0.4% | $2,290 |
| Wesley Chapel | $398,488 | −2.5% | $2,430 |
| Lutz | $486,345 | −0.2% | $2,965 |
Source: Zillow Home Value Index, Sept. 30, 2026. Payments calculated by The Rothfuss Team Realty at the Freddie Mac 30-year average of 7.18% (Nov. 5, 2026). Excludes taxes, insurance, PMI and HOA fees.
Zillow’s index covers all home types, including condos and townhomes, which pull the typical value down. A single-family house in the historic core near the golf course or on the river often costs more than the city’s typical value.
What is the Temple Terrace housing market like right now?
Buyers have room to negotiate in Temple Terrace: about one in four listings had a price cut in October 2026, and homes took a median of 76 to 78 days to sell, according to Realtor.com. Zillow counted 142 homes for sale in the city in October, with a median list price of $339,333.
| October 2026 | ZIP 33617 | ZIP 33637 |
| Median list price | $296,000 (+3.0% in a year) | $307,400 (+6.4%) |
| Active listings | 153 (+3%) | 58 (+61%) |
| Median days on market | 76 | 78 |
| Listings with a price cut | 27.2% | 25.5% |
| Median list price per square foot | $209 | $193 |
| Median listing size | 1,251 sq ft | 1,394 sq ft |
Source: Realtor.com Residential Data, ZIP code files for October 2026. Both ZIP codes also cover parts of Tampa outside Temple Terrace city limits.
ZIP-level medians move a lot from month to month because so few homes sell, so treat these as a range rather than an exact price. Zillow’s median sale price for the city was $347,167 in August 2026, and homes went under contract in a median of 41 days.
How much does it cost to live in Temple Terrace each month?
A home at Temple Terrace’s typical value of about $324,000 costs roughly $2,700 a month with 10% down, including property tax and insurance. Renters paid a median of $1,594 a month in 2020 to 2024, according to the Census Bureau.
| Monthly cost at $324,000, 10% down | Amount |
| Principal and interest at 7.18% | $1,975 |
| Property tax with a homestead exemption (estimate) | about $460 |
| Homeowners insurance (Hillsborough average with wind) | $294 |
| Total before PMI, HOA and utilities | about $2,730 |
Source: payment calculated by The Rothfuss Team Realty at 7.18% (Freddie Mac, Nov. 5, 2026). Property tax estimated from our Tampa Bay property taxes by city table. Insurance: $3,525 a year, Florida Office of Insurance Regulation average for Hillsborough County, March 2026, via our Florida homeowners insurance statistics.
Insurance is the number that varies most. An older roof can raise a quote by thousands of dollars or make a home hard to insure, so get a 4-point inspection and wind mitigation report early. Run your own numbers with our Tampa home affordability calculator.
What kinds of homes and neighborhoods are in Temple Terrace?
Temple Terrace has a historic core of 1920s Mediterranean Revival homes around the golf course, established single-family neighborhoods, and condos, townhomes and apartments closer to USF. About half of the city’s homes are owner-occupied (50.4%), according to Census Bureau estimates for 2020 to 2024.
The historic core and golf course
The original 1920s plan placed homes around the Temple Terrace Golf & Country Club course, which hosted the Florida Open in 1925 and 1926. Architects M. Leo Elliott and Dwight James Baum designed many of the first Mediterranean Revival houses, and dozens still stand. These homes are rare on the market and priced well above the city’s typical value.
Along the Hillsborough River
The river runs through the eastern and southern parts of the city and forms part of its southern boundary. Riverfront and river-view homes offer water access and big trees, but they’re the most likely to sit in a FEMA flood zone, so check the map before you fall for one.
Established single-family neighborhoods
Most of the city is made up of established subdivisions with mature landscaping and typical suburban lots. Listings here are mostly resales, and the median listing in the city’s ZIP codes was 1,251 to 1,394 square feet in October 2026.
Condos, townhomes and apartments near USF
Closer to the university and along 56th Street, Fowler Avenue and Busch Boulevard, you’ll find condos, townhomes and apartment communities. These are often the most affordable way to own in Temple Terrace, but check HOA fees, reserves and insurance before you buy.
Is Temple Terrace part of Tampa?
No. Temple Terrace is its own city in Hillsborough County, with its own city council, police department and tax rate, but many nearby homes have a “Tampa” mailing address. ZIP codes 33617 and 33637 both cover parts of Temple Terrace and parts of the City of Tampa or unincorporated Hillsborough.
That matters for your tax bill. Temple Terrace’s total rate was 19.5319 mills on 2025 bills, compared with 19.8428 in Tampa and 18.2515 in unincorporated Hillsborough. On a $400,000 homesteaded home, that’s about $6,976 a year in Temple Terrace, about $108 less than in Tampa and roughly $450 more than an unincorporated address.
Source: Hillsborough County 2025 millage rates, as calculated in our Tampa Bay property taxes by city guide.
Check the property’s tax bill on the Hillsborough County Property Appraiser site to confirm whether it’s inside city limits. File for your homestead exemption by March 1 after you move in.
Does Temple Terrace flood?
Temple Terrace is protected from major river flooding by the Tampa Bypass Canal system, but homes along the Hillsborough River can still be in FEMA flood zones. The Southwest Florida Water Management District built the system after Hurricane Donna’s flooding in 1960.
During Hurricane Milton in October 2024, the district activated the system. It filled the 16,000-acre Hillsborough Flood Detention Area and sent floodwater through the 15.7-mile canal to McKay Bay, “protecting the cities of Temple Terrace and Tampa from river flooding,” according to the district.
Heavy rain can still flood low streets and yards, and lenders require flood insurance for homes in a high-risk zone. Look up any address on the FEMA Flood Map Service Center or our Tampa flood zone map guide, and ask the seller about past water intrusion.
How long is the commute from Temple Terrace?
Workers in Temple Terrace average a 26-minute commute, according to Census Bureau estimates for 2020 to 2024. Downtown Tampa is about 9 miles away, and USF, Moffitt Cancer Center and AdventHealth Tampa are just west of the city.
- To downtown Tampa: about 9 miles via I-275 or 56th Street and I-4.
- To USF and the hospitals: a few minutes via Fowler Avenue or Fletcher Avenue.
- To I-75: a few minutes east via Fowler Avenue.
- To the Gulf beaches: about 30 miles to Clearwater Beach.
HART buses serve the USF area and major roads, but most residents drive. Expect rush-hour traffic on Fowler Avenue, 56th Street and Busch Boulevard.
What are schools like in Temple Terrace?
Temple Terrace’s public schools are run by Hillsborough County Public Schools, which earned an A from the state for 2025–26, according to WUSF. Individual schools vary, so check each address.
Use the Hillsborough County Public Schools boundary locator to see which schools serve a home, then look up each school’s grade on the Florida Department of Education site. Florida College, a private college founded in 1946, is in Temple Terrace, and the University of South Florida’s main campus is next door.
What is happening with downtown Temple Terrace?
The city’s downtown on North 56th Street is still in the planning stage: in June 2026, the City Council voted to start negotiations with two developers for two vacant parcels, according to Tampa Bay Beacons.
- 8901 N. 56th St. (about 1.75 acres): Fountain Square TT was chosen to negotiate for an extension of the Fountain Shoppes with shops, restaurants, rooftop dining and about 12,000 square feet of public gathering space.
- 8447 N. 56th St. (about 1.74 acres): Enigma Events was chosen for “South Gate,” with about 20,000 square feet of restaurants and retail near the planned Riverside Park and Springdale Pond.
The council asked for timelines, milestones and clawback terms, since earlier downtown plans stalled. Don’t count on a finished downtown when you buy, but watch for progress if you’re near 56th Street.
What should you check before buying a home in Temple Terrace?
Check five things for every Temple Terrace address: city limits, flood zone, roof age, insurance quotes and HOA or CDD fees.
- City limits: confirm the home is inside Temple Terrace, not just a “Tampa 33617” or “33637” address, since it changes taxes and city services.
- Flood zone: look up the FEMA zone and get a flood insurance quote, even outside a high-risk zone.
- Roof and systems: ask for the roof’s age and permit, and order a 4-point and wind mitigation inspection.
- Insurance quote: get a binding quote before your inspection period ends.
- HOA or CDD fees: older neighborhoods are less likely to have them, but condos and newer townhome communities usually do. Compare them with our CDD and HOA fee guide.
Thinking about other areas too? See where to live in Tampa and our relocating to Tampa guide.
Temple Terrace at a glance
| Statistic | Value | Source, date |
| Population | 27,075 | Census Bureau, July 1, 2025 |
| Population change since 2020 | +1.4% | Census Bureau, 2020–2025 |
| Land area | 7.32 square miles | Census Bureau, 2020 |
| Typical home value | $323,921 (0.0% in a year) | Zillow, Sept. 2026 |
| Median sale price | $347,167 | Zillow, Aug. 2026 |
| Homes for sale | 142 | Zillow, Oct. 2026 |
| Listings with a price cut (33617 / 33637) | 27.2% / 25.5% | Realtor.com, Oct. 2026 |
| Median days on market (33617 / 33637) | 76 / 78 | Realtor.com, Oct. 2026 |
| Owner-occupied homes | 50.4% | Census Bureau, 2020–2024 |
| Median gross rent | $1,594 | Census Bureau, 2020–2024 |
| Property tax rate | 19.5319 mills | Hillsborough County, 2025 bills |
| Average commute | 26.0 minutes | Census Bureau, 2020–2024 |
| Distance to downtown Tampa | About 9 miles | — |
| Incorporated | 1925 | City history (Wikipedia) |
“In Temple Terrace, the first thing I check is whether the house is actually inside city limits, then the flood zone and the roof. Two homes on the same street can have very different insurance costs.”
— James Rothfuss II, Broker, The Rothfuss Team Realty
Why work with The Rothfuss Team Realty in Temple Terrace?
We help buyers compare Temple Terrace homes on the costs that change from street to street: city limits, flood zones, roof age and insurance. Broker James Rothfuss II works with each buyer himself.
- A side-by-side cost estimate for each home, including tax, insurance and any HOA fees.
- Flood zone and elevation checks before you write an offer.
- Help ordering the 4-point, wind mitigation and general inspections on time.
- Comparisons with nearby areas like Brandon, Lutz and Wesley Chapel.
See how buying with us works, get a free home valuation if you’re selling, or contact James.
Frequently asked questions
Temple Terrace is a good fit if you want an established neighborhood with mature trees, a central location next to USF and about 9 miles from downtown Tampa, and prices below the Tampa average. The trade-offs are older homes, flood zones near the Hillsborough River and a downtown that's still being planned.
Temple Terrace's typical home value was $323,921 in September 2026, unchanged from a year earlier, according to Zillow. That's about 14% below Tampa's typical value of $375,619.
No. Temple Terrace is a separate city in Hillsborough County, incorporated in 1925, with its own city council, police department and tax rate. Many nearby homes have a Tampa mailing address in ZIP codes 33617 or 33637, so check the tax bill to confirm whether a home is inside city limits.
Temple Terrace homes are mainly in ZIP codes 33617 and 33637. Both ZIP codes also include parts of the City of Tampa and unincorporated Hillsborough County.
We don't rate the safety of neighborhoods. You can review crime reports from the Temple Terrace Police Department and the Florida Department of Law Enforcement, and visit the area at different times of day before you decide.
The Tampa Bypass Canal system diverts Hillsborough River floodwater around Temple Terrace and Tampa, and it was activated during Hurricane Milton in 2024. Homes near the river can still be in FEMA flood zones, so check the flood map for each address.
Temple Terrace is about 9 miles from downtown Tampa. Residents average a 26-minute commute to work, according to Census Bureau estimates for 2020 to 2024.
Temple Terrace's total property tax rate was 19.5319 mills on 2025 bills. That's about $6,976 a year on a $400,000 home with a homestead exemption, slightly less than the same home in Tampa.
Broker and owner of The Rothfuss Team Realty. 30+ years in business and 60+ properties bought and sold across Tampa Bay.
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