ZIP 76504 (Temple, TX) Housing Market & Real Estate Update — February 22, 2026
76504 – February 22, 2026 – Temple (Bell County) market check: sold prices down YoY, listings steady, rents softer, and rates near 6.01% nationally.
ZIP 76504 is primarily Temple, Texas (Bell County). Recent ZIP-level trackers point to softer pricing versus last year, while inventory remains active enough that buyers can be selective and negotiate on condition.
Top takeaways
- Sold prices: Redfin’s January 2026 tracker shows a $200K median sale price (down 21.0% year-over-year) with 41 homes sold.
- Active listings: Realtor.com’s ZIP dashboard (Dec 2025 reporting period) shows 272 homes for sale and about 90 average days on market.
- Rents: Realtor.com tracks 189 rentals in the ZIP with a median rent around $1,295/month (Dec 2025 period).
- Rates: Freddie Mac’s 30-year fixed weekly average was 6.01% (week ending Feb. 19, 2026).
Market snapshot (latest published ZIP-level data)
Closed deals: Redfin reports that homes in 76504 took a median 75 days to sell in January 2026. A slower pace often shows up as more room for inspection-related credits and repair negotiations.
List-side reality check: Realtor.com reports a ~$228,854 median listing price for 76504 (Dec 2025), with a median $150 per square foot. Their dashboard shows the median listing metric down 15.21% year-over-year.
Home values + inventory signal: Zillow’s Home Value Index for 76504 shows an average home value of $185,322 (data through Jan. 31, 2026). Zillow also reports 135 homes in for-sale inventory and 21 new listings for that same date, with a median list price of $219,758.
Rates & affordability
At roughly 6% rates, monthly payments are still rate-sensitive. Freddie Mac’s PMMS average for the 30-year fixed moved to 6.01% (Feb. 19, 2026), which can slightly improve buying power compared with late-2025 levels.
What’s for sale nearby (no addresses)
- Value plays: Portal searches show many older 3-bedroom homes clustered around the low-$200Ks, where roof/foundation/HVAC condition matters.
- Move-in-ready inventory: Renovated or newer homes tend to list above the ZIP median, and they compete on finishes, incentives, and seller credits.
- Rentals and small investments: With nearly 200 rentals showing on Realtor.com, watch lease terms and repair reserves before underwriting cash flow.
ServiceXTC local pro corner
We checked ServiceXTC’s directory for providers clearly tied to Temple/ZIP 76504 (inspection + pre-sale repair needs), but did not find ZIP-matched provider pages in today’s lookup. If you’re buying, schedule inspections early; if you’re selling, a pre-list roof and HVAC check can reduce last-minute surprises.
Sources
- https://www.worldpostalcodes.org/l1/en/us/united-states/profile/zip-code/76504
- https://www.realtor.com/realestateandhomes-search/76504/overview
- https://www.redfin.com/zipcode/76504/housing-market
- https://www.zillow.com/home-values/91439/temple-tx-76504/
- https://www.freddiemac.com/pmms/pmms_archives
What are you seeing in 76504 right now: more price cuts, more concessions after inspections, or more homes selling quickly when they’re truly move-in ready?