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Investor market data · Texas

Temple, TX Rental Market for Investors

An estimated 65% of Temple's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

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$289,395Median list price739 active listings
$34,137Median STR revenue / yrprojected, gross

Homes in Temple that pencil right now

A sample of active Temple listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

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As of August 2026, we analyzed 739 active for-sale homes in Temple, Texas. The typical listing is priced at $289,395 and is projected to generate about $34,137 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 64.7% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 52.5% median across the 200 major metros we track, ranking Temple #49 of 200 for cash-flow potential.

On market momentum: homes in Temple sit a median of 79 days on the market, and 23% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Temple, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.

What actually works in Temple

Temple works for investors, but the window is specific: 191 of the 673 Temple homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $300,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price2 bed3 bed4 bed5 bed
$150k–$250k56%1.2955%1.2770%1.33—
$250k–$350k—20%1.0727%1.1464%1.38
$350k–$500k—0%0.760%0.870%0.95
$500k+—0%0.580%0.600%0.65

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Temple in full

Active for-sale homes analyzed739
Median list price$289,395
Median projected STR revenue (annual, gross)$34,137
Median average daily rate (ADR)$156
Median occupancy61%
Median beds3
Median size1,859 sqft
Estimated cash-flow-positive share64.7%
Median days on market79 days
New listings (last 30 days)22.9% of active

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Run your numbers · Temple

Would a Temple rental qualify for a DSCR loan?

Pre-filled with Temple's median price and projected short-term-rental income — change any field to match a specific property.

Rent source
Advanced
Property tax
%
Scout DSCR Live
1.31
Strong · likely approved
Qualifying rent$2,276
Monthly ITIA$1,736
Loan amount$231,516
30-year DSCR1.22
30-year PITIA$1,863
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Estimates for educational purposes. Final terms subject to credit, property & program approval.

Chad BakerJulian HebronKarina SaldarriagaMark LindenBrittani Cooper5 senior bankers · 47 states
Temple data, human context

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