Taxes in Temple, Texas
Complete tax guide for Temple, TX. No state income tax, 1.76% property tax, 7.75% sales tax. Calculate your total tax burden.
State Income Tax
None
Texas
Property Tax
1.76%
Effective rate
Sales Tax
7.75%
Combined rate
Tax Burden
Moderate
Temple, TX Tax Overview
No state income tax; higher property taxes compensate
Population
82,073
Median Income
$64,700
Cost of Living
99.2 (100 = avg)
State Income Tax
None
Median Home Price
$304,000
Temple Tax Calculator
Pre-filled with Temple median: $64,700
Total Tax Burden in Temple
$10,798
Take-Home: $53,902 · Effective Rate: 16.69%
Federal Tax
$5,848
9.04% eff.
TX State
$0
0.00% eff.
FICA
$4,950
7.65% eff.
Take-Home
$53,902
83.31% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $64,700.00 | $5,391.67 |
| Federal Income Tax | -$5,848.00 | -$487.33 |
| Texas State Tax | $0.00 | $0.00 |
| Social Security (6.2%) | -$4,011.40 | -$334.28 |
| Medicare (1.45%) | -$938.15 | -$78.18 |
| Take-Home Pay | $53,902.45 | $4,491.87 |
Property Tax in Temple
Median Home
$304,000
Annual Tax
$5,350
Monthly Tax
$446
Effective Rate
1.76%
Sales Tax in Temple
Combined Rate
7.75%
State Portion
~5.3%
Local Portion
~2.5%
The combined sales tax rate in Temple is 7.75%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.75 in sales tax.
Tax Burden Comparison
| Tax Type | Temple | Texas Avg | National Avg |
|---|---|---|---|
| Income Tax | None | None | 4.6% |
| Property Tax | 1.76% | ~1.76% | 1.1% |
| Sales Tax | 7.75% | ~7.75% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Temple Residents
- Texas has no state income tax, meaning your income is only subject to federal taxes and FICA. Consider investing your tax savings into a Roth IRA for tax-free growth.
- Property tax in Temple (1.76%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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LowCalculate Your Full Texas Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Temple, TX?
Temple, Texas has no state income tax. The property tax rate is 1.76% and the combined sales tax rate is 7.75%. No state income tax; higher property taxes compensate
How much is property tax in Temple?
The effective property tax rate in Temple is 1.76%. On the median home price of $304,000, this equals approximately $5,350 per year or $446 per month. This is above the national average of 1.1%.
What is the sales tax rate in Temple?
The combined sales tax rate in Temple is 7.75%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Temple's tax burden compare to other cities?
Temple has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 25.8%. The absence of state income tax significantly reduces the overall burden. Cost of living index is 99.2 (100 = national average).
Are there any local taxes in Temple?
Temple does not impose a separate local or city income tax. Residents pay no state income tax, federal income tax, and FICA (Social Security and Medicare). No state income tax; higher property taxes compensate