Is Temple Terrace Safe, Pros and cons of living in Temple Terrace

Temple Terrace, Florida, is a city that offers a blend of suburban tranquility and convenient access to the amenities of the greater Tampa Bay area. Originally planned as a Mediterranean-Revival golf course community in the 1920s, it retains a unique charm with its rolling landscapes and mature oak trees. The city has grown from its agricultural roots into a well-established residential area, attracting those who appreciate its natural beauty and community feel.

This city is known for its planned development and has a history rooted in the citrus industry, named after the ‘Temple’ orange. Its proximity to Tampa provides residents with access to a wider range of employment opportunities, cultural attractions, and recreational activities. Temple Terrace aims to balance its historical character with modern development, striving to maintain its quality of life for current and future generations.

Is it Safe to Live in Temple Terrace?

Temple Terrace presents a mixed picture regarding safety, with overall crime rates that are generally lower than the national average, yet with specific areas of concern. The total crime rate in Temple Terrace is reported to be 2.4% lower than the national average (according to AreaVibes). However, violent crimes in the city are 16.3% higher than the national average (according to AreaVibes), and the chance of being a victim of a violent crime is 1 in 240 (according to AreaVibes).

When comparing Temple Terrace to other communities of similar size, its combined violent and property crime rate is higher than average (according to NeighborhoodScout). Furthermore, relative to Florida, Temple Terrace’s crime rate is higher than 78% of the state’s cities and towns (according to NeighborhoodScout). This suggests that while the city may not be the safest in America, understanding specific crime statistics is crucial for residents.

Violent Crime Overview

Violent crimes in Temple Terrace include murder, rape, robbery, and assault. The rate for violent crimes is 418 per 100,000 individuals, which is 16.3% higher than the national average (according to AreaVibes). The probability of becoming a victim of violent crime in Temple Terrace is approximately 1 in 244 (according to NeighborhoodScout).

These statistics indicate that while property crime rates might be more favorable, attention to personal safety concerning violent offenses is warranted. It is important to note that crime rates can vary significantly within different neighborhoods of a city. Local law enforcement agencies often provide detailed crime maps and statistics that can offer a more granular view of safety in specific areas.

Property Crime Overview

Property crimes, encompassing theft, vehicle theft, and burglary, are also a factor in Temple Terrace. The city experiences 1652 property crimes per 100,000 residents, which is 6.2% lower than the U.S. average (according to AreaVibes). Your chances of being a victim of property crime in Temple Terrace are about 1 in 61 (according to AreaVibes).

While the property crime rate is below the national average, it is still a significant consideration for residents. The FBI crime data indicates that Temple Terrace is not among the safest communities in America (according to NeighborhoodScout). Awareness and preventative measures can help mitigate the risk of becoming a victim of property crime.

Cost of Living in Temple Terrace

Temple Terrace offers a cost of living that is generally more affordable than the national average, making it an attractive option for many individuals and families. The overall cost of living in Temple Terrace is approximately 5% lower than the national average (according to Payscale). This affordability extends to various aspects of daily life, though some expenses may be higher.

Housing expenses are a significant factor in the cost of living, and Temple Terrace generally provides more affordable options compared to many other areas. Utilities and transportation costs, however, can be slightly higher than the national average, requiring a balanced approach to budgeting. Understanding these nuances is key for anyone considering a move to the area.

Housing Costs

The housing market in Temple Terrace presents a mix of opportunities for both buyers and renters. The median home price in Temple Terrace was approximately $449,000 in a recent month, showing a notable increase of 21.4% since the previous year (according to Redfin). Another report indicates the median property value in Temple Terrace was $334,800 in 2024, with a 9.34% increase from the prior year (according to Data USA).

Rental prices in Temple Terrace are also a key consideration. The average rent in Temple Terrace is around $1,800 per month (according to Zillow). Apartments in Temple Terrace have an average rent ranging from $1,325 for a one-bedroom to $1,747 for a two-bedroom (according to Apartments.com). These figures suggest a competitive but generally accessible housing market.

Everyday Expenses

Beyond housing, everyday expenses in Temple Terrace are largely in line with national averages, with some notable variations. Grocery prices are about 6% higher than the national average (according to Payscale). Healthcare costs, on the other hand, are approximately 8% lower than the national average (according to Payscale).

Utility costs in Temple Terrace are about 7% higher than the national average (according to Payscale). Transportation expenses, including gas prices, are also slightly higher, around 1% above the national average (according to Payscale). These figures provide a more complete picture of the financial landscape for residents.

Job Market and Economy

Temple Terrace boasts a dynamic job market with diverse employment opportunities, supported by a growing economy and proximity to major employment hubs. The most common sectors for employment among Temple Terrace residents are Health Care & Social Assistance, Educational Services, and Professional, Scientific, & Technical Services (according to Data USA). This indicates a strong presence of service-oriented industries within the region.

The city is also part of the larger Tampa Bay metropolitan area, which offers a broad spectrum of job opportunities across various sectors. Major employers in the region, including those in healthcare, education, and technology, contribute to the economic vitality of Temple Terrace. The city’s strategic location and its connection to the University of South Florida (USF) further enhance its appeal to professionals.

Major Employers and Industries

Key industries that drive employment in Temple Terrace and its surrounding areas include healthcare, education, and technology. The presence of the University of South Florida (USF) is a significant factor, not only as an educational institution but also as a major employer and a catalyst for innovation through its associated districts. The Uptown Tampa Innovation District, which includes a portion of Temple Terrace, is a hub for technology and business, housing numerous companies and employing thousands (according to Tampa Magazine).

Other significant employers are found within the healthcare sector, given the robust medical community in the Tampa Bay area. Additionally, the city’s own municipal government, the City of Temple Terrace, is an employer, with departments ranging from engineering and finance to operations (according to Prospeo). This diversity in employment sectors provides a stable economic foundation for the community.

Salaries and Unemployment

The average salary in Temple Terrace is reported to be around $52,869 annually, with an hourly rate of approximately $25.42 (according to ZipRecruiter). This figure reflects a wide range of incomes, with most salaries falling between $36,750 and $67,124 annually (according to ZipRecruiter). The median household income in Temple Terrace was $69,252 as of 2024, showing a positive year-over-year growth (according to Data USA).

The unemployment rate in Temple Terrace was reported at 4.6% in 2026 (according to Data Commons). This rate is a key indicator of the local job market’s health. While specific metropolitan unemployment rates can fluctuate, the overall employment picture in the Tampa Bay area generally supports job seekers.

Climate in Temple Terrace

Temple Terrace experiences a subtropical climate, characterized by long, hot summers and short, mild winters. The weather is generally warm throughout the year, with distinct wet and dry seasons. Understanding the typical weather patterns is essential for residents and visitors alike.

The city enjoys a significant amount of sunshine, though it also experiences periods of high humidity and rainfall, particularly during the summer months. The climate is conducive to outdoor activities for much of the year, with specific considerations for heat and humidity during warmer periods.

Temperatures

Summers in Temple Terrace are typically long, hot, and humid, lasting from May through October. During this period, average daily high temperatures often exceed 87°F (according to Weather Spark). The hottest month is usually July, with high temperatures reaching around 91°F and lows around 74°F (according to Weather Spark).

Winters are short and cool, generally from December to February. The average daily high temperature during the cooler months remains below 75°F. January is typically the coldest month, with average low temperatures around 50°F and highs near 72°F (according to Weather Spark). The temperature typically varies between 50°F and 91°F throughout the year, rarely dropping below 36°F or exceeding 95°F (according to Weather Spark).

Rainfall

Temple Terrace receives a notable amount of rainfall, with the majority occurring during the summer months as part of the tropical storm season. May through October is characterized by wetter conditions, with frequent afternoon thunderstorms. In May, for instance, Temple Terrace averages about 4.23 inches of rain over approximately 9 rainy days (according to WorldWeatherOnline).

The cooler months tend to be drier, though occasional rain showers can still occur. The overall climate supports lush vegetation, contributing to the city’s appealing natural environment. Residents should be prepared for typical Florida weather patterns, including the possibility of tropical systems during hurricane season.

Education in Temple Terrace

Temple Terrace is served by a range of educational institutions, from elementary schools to higher education facilities, providing diverse learning opportunities for its residents. The public school system in Hillsborough County, which includes Temple Terrace, offers various options for K-12 education. Schools are evaluated based on academic performance, student-teacher ratios, and diversity, among other factors.

The presence of the University of South Florida (USF) in close proximity significantly enhances the educational landscape, offering advanced degrees and research opportunities. This concentration of educational resources contributes to the intellectual and cultural richness of the Temple Terrace community.

School Ratings and Performance

Temple Terrace Elementary School, a public institution, has an overall Niche grade of C+ (according to Niche). Academically, it receives a C grade, though its diversity is rated an A (according to Niche). According to state test scores, 33% of students are proficient in math and 27% in reading at this school (according to Niche).

Other public elementary schools in the Temple Terrace area also receive varying ratings. For example, Hillsborough Academy of Math & Science has a rating of 4.2 out of 5 stars (according to Niche). When selecting a school, factors such as student-teacher ratios, test scores, and specialized programs are important considerations for families.

Higher Education Opportunities

The proximity of the University of South Florida (USF) is a major educational asset for Temple Terrace. USF is a large public research university offering a wide array of undergraduate, graduate, and professional programs. Its campus is located near Temple Terrace, providing convenient access for students pursuing higher education.

Beyond USF, the Tampa Bay area hosts several other colleges and universities, offering specialized programs and vocational training. This rich educational ecosystem supports lifelong learning and professional development for residents of Temple Terrace. Many residents also pursue online degrees or specialized certifications to advance their careers.

Demographics of Temple Terrace

Temple Terrace is a diverse city with a population that reflects a variety of racial and ethnic backgrounds. As of the most recent estimates, the city has a population of approximately 27,275 people (according to Data USA). The demographics show a community with a significant presence of White and Hispanic residents, alongside Black, Asian, and other racial groups.

The population density is substantial, contributing to a vibrant community atmosphere. The median age in Temple Terrace is around 34.5 years, indicating a population that is relatively young compared to some other areas, yet with a substantial segment of older adults as well (according to Data USA).

Population Composition

The racial makeup of Temple Terrace includes a majority of White residents, constituting approximately 47.1% of the population. Hispanic or Latino individuals represent a significant portion, at 22.7% of the population (according to Data Commons). Black or African American residents make up about 18.4% of the population, with Asian residents accounting for 6.5% (according to Data Commons).

Other racial groups, including Multiracial and Native American/Other, comprise the remaining percentage of the population. This diversity contributes to the cultural richness of Temple Terrace, making it a dynamic place to live. The population has also shown a trend of growth and increasing diversity in recent years (according to Census Dots).

Age and Household Structure

The median age in Temple Terrace is 34.5 years (according to Data USA). This median age suggests a balanced demographic distribution, with a significant number of residents in their prime working years. The population under 18 is around 19.7%, and those aged 65 and older represent about 15.7% (according to Wikipedia).

Regarding household structure, the average household size is approximately 2.36 people (according to Wikipedia). A notable portion of households consist of individuals living alone, while others include families with children. The homeownership rate in Temple Terrace is around 50.4%, indicating that a substantial number of residents are renters (according to Data USA).