College Costs in Temple, TX 2026
Compare tuition, housing, and financial aid across 4 colleges in Temple, Texas. Use our free calculator to estimate your total cost.
Avg Public Tuition
$10,900
per year
Avg Private Tuition
$36,000
per year
Avg Rent Near Campus
$912
per month
Colleges & Universities
4
institutions
Temple Overview
Population
82,073
Student Population
5,480 (6.7%)
Cost of Living Index
99.2 (avg: 100)
Walk Score
56/100
Transit Score
21/100
Unemployment Rate
3.4%
College Cost Calculator for Temple
Cost Inputs
Total Cost (4 Years, Public In-State)
$103,208
Total After Financial Aid
$103,208
Annual Cost
$25,802
Annual After Aid
$25,802
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $103,208 |
| Monthly Payment | $1,172 |
| Total Interest | $37,421 |
| Total Loan Cost | $140,629 |
Universities in Temple
| University | Type | Annual Tuition |
|---|---|---|
| Temple State University | Public | $10,375 |
| Temple Community College | Community | $5,315 |
Temple has 4 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in Temple vs. National Average
| Category | Temple | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $10,900 | $10,940 | -$40 |
| Monthly Rent Near Campus | $912 | $1,050 | -$138 |
| Cost of Living Index | 99.2 | 100 | -0.7999999999999972 |
Temple's cost of living is near the national average. Students can expect typical expenses comparable to most other U.S. cities.
Student Life in Temple
Walk Score
Somewhat Walkable
Transit Score
Minimal Transit
Student Population
5,480 students
Temple has a total population of 82,073, with approximately 5,480 college students (6.7% of the population). While not primarily a college town, Temple offers students access to urban amenities, diverse employment opportunities, and a wide range of cultural experiences.
Post-Graduation Outlook in Temple
$39,219
Starting Salary
3.4%
Unemployment Rate
55%
Graduation Rate
~24 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in Temple earn a median starting salary of $39,219, which is $4,219 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $103,208 (including room and board), it would take approximately 24 years of the salary premium to recoup the investment. With average financial aid of $11,443 per student per year, the net cost and payback period can be significantly reduced.
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