Home
/US Property Taxes
/Texas
/Bell County
/Temple

Temple, Bell County, Texas Property Taxes

$774 avg. annual savings
No Upfront Costs
You only pay if we save

Property Taxes in Temple, Texas

  • Median Temple, Texas effective property tax rate: 1.46%, significantly lower than the national median of 1.02%, and lower than the Texas state median of 1.48%.

  • Median Temple, Texas home value: $247,224

  • Median annual Temple, Texas tax bill: $3,256, $856 higher than the national median property tax bill of $2,400.

How are property taxes in Bell calculated?

Property taxes in Temple, Texas are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Temple's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Temple, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Temple, Bell County, Texas Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.46%

Estimate Property Tax Bill

$3,609

$3,349

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Temple Property Tax Calculator Work?

Use this Temple property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Temple's median effective tax rate of 1.46% — based on actual property records in Bell County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Temple's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Temple: rates range from $1,716 in 76501 to $4,233 in 76502, primarily due to differences in school district levies and local assessment districts.

Temple's median property tax bill of $3,256 is higher than the Texas median of $2,400 and higher than the national median of $2,400. If your estimate is higher than expected, Ownwell can appeal your Temple assessment — you only pay if we save you money.

About Temple Property Taxes

About Property Taxes in Temple, Bell, Texas

Temple’s median effective property tax rate of 1.46% is lower than the Texas state median of 1.48% and higher than the national median of 1.02%. This rate reflects the Bell County base levy combined with local school district levies and Municipal Utility Districts that vary by subdivision throughout the city.

Property tax rates are not uniform across Temple. Homeowners in the 76513 ZIP code carry a median effective rate of 2.09%, while those in 76501 pay 1.37%. This spread — 0.72 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Bell County. Understanding which part of Temple you live in can make a meaningful difference to your annual tax bill.

Temple homeowners who believe their assessed value is too high can file a formal appeal with the local Appraisal District before the May 15, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Temple, Bell County, Texas

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Temple's effective property tax rate to other cities in Texas and the median property tax rates in Texas and the U.S.

Property Tax Rates Across Temple, Bell County, Texas

Source: Ownwell

0.76%

1.43%

2.09%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Temple Tax Rate

1.46%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Bell County Tax Rate

1.46%

Median Effective Texas Tax Rate

1.48%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Temple, Bell County, Texas

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
765010.30%0.55%1.37%2.14%2.37%
765020.43%0.96%1.45%2.19%2.43%
765040.38%0.72%1.57%2.22%2.35%
765130.44%1.36%2.09%2.32%2.47%
76503N/AN/AN/AN/AN/A
76543N/AN/AN/AN/AN/A
76557N/AN/AN/AN/AN/A
76579N/AN/AN/AN/AN/A
76657N/AN/AN/AN/AN/A

Source: Ownwell

Property Tax Assessment Values Across Temple, Bell County, Texas

When examining property taxes in Temple, Texas, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Bell County appraisal district estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Bell County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of April.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Temple.

For example, the median home price in Temple is $247,224, with tax bills ranging significantly across the county. 76502 has the highest median home price at $277,771.

Property Tax Assessment Values Across Temple, Bell County, Texas

Source: Ownwell

$40,113

$275,459

$510,804

Median Temple Market Value

$247,224

Median Bell County Market Value

$242,285

Median Texas Market Value

$258,851

Median United States Market Value

$235,294

Property Tax Assessment Values Across Temple, Bell County, Texas

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
76501$44,285$95,368$160,783$230,472$328,444
76502$181,808$235,507$277,771$337,960$429,581
76504$71,889$120,060$184,122$240,654$294,834
76513$10,967$68,470$124,100$232,204$327,087
76503N/AN/AN/AN/AN/A
76543N/AN/AN/AN/AN/A
76557N/AN/AN/AN/AN/A
76579N/AN/AN/AN/AN/A
76657N/AN/AN/AN/AN/A

Source: Ownwell

Property Tax Bills Across Temple, Bell County, Texas

Property tax bills in Temple are based on the assessed value of a home, which is then multiplied by the local tax rate. For a home with a median market value of $247,224, the bill can vary widely depending on the neighborhood, exemptions, and how the property is assessed. In Bell County, the 25th percentile tax bill is $1,420, while the 75th percentile is $5,273 and the 90th percentile reaches $6,878. That spread shows how much a property tax bill can affect homeowners, especially when a home is assessed above its true market value.

Temple homeowners can lower their property tax bills by challenging an unfair assessment and making sure all eligible exemptions are applied. Ownwell helps identify savings opportunities, file appeals, and work to reduce what you owe. With the right review, homeowners may pay less than the amount shown on their tax bill and keep more of their money each year.

Property Tax Bills Across Temple, Bell County, Texas

Source: Ownwell

$365

$2,694

$5,022

Median Temple Tax Bill

$3,256

Median Bell County Tax Bill

$3,108

Median Texas Tax Bill

$3,441

Median United States Tax Bill

$2,400

Property Tax Bills Across Temple, Bell County, Texas

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
76501$319$721$1,716$3,152$4,768
76502$839$2,294$4,233$6,035$7,460
76504$487$1,052$2,432$3,844$5,348
76513$108$296$1,835$3,930$9,244
76503N/AN/AN/AN/AN/A
76543N/AN/AN/AN/AN/A
76557N/AN/AN/AN/AN/A
76579N/AN/AN/AN/AN/A
76657N/AN/AN/AN/AN/A

Source: Ownwell

Don't miss the deadline to protest!

Frequently Asked Property Tax Questions in Temple, Texas

How are property taxes calculated in Temple, Texas?
Property taxes in Temple, Texas are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.
How do I appeal my property taxes in Temple, Texas?
To appeal your property taxes in Temple, Texas, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.
What property tax exemptions are available in Temple, Texas?
Common property tax exemptions in Temple, Texas include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.
When are property taxes due in Temple, Texas?
Property tax deadlines in Temple, Texas vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.
How can Ownwell help reduce my property taxes in Temple, Texas?
Ownwell provides professional property tax appeal services in Temple, Texas. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.