ZIP Code · TX

ZIP 76504

Part of Temple, TX

Pop. 26,166·Bell County·586th most expensive ZIP in Texas

Median rent (all units)

$1,264/mo

Year-over-Year

+0.3%

Month-over-Month

Stable

vs US Median

-$668

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 76504 · $1,264

More affordable than 88% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,090

1 BR

$1,100

2 BR

$1,370

3 BR

$1,900

4 BR+

$2,300

Research median

$1,370/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

March. Asking rents in ZIP 76504 usually run 1.1% below trend in March and 1.2% above it in August, about $29 a month apart at today's median. Based on 5 years of data.

Compared with the peak

Rent in ZIP 76504 is 0.9% below its high of $1,276 in June 2023, at $1,264 as of September 2026.

Past year vs. the rest of Texas

Rent in ZIP 76504 changed +0.3% over the year to September 2026. Across the 629 Texas ZIP codes Zillow tracks, the typical change was +1.2%.

Recent direction

Rent rose in 6 of the last 12 months.

What a typical income covers

30% of the median household income ($52,803) is $1,320 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($1,100); a 2-bedroom is $1,370.

Rank in Temple

1st cheapest of 3 ZIP codes in Temple.

From Zillow's monthly rent index (ZORI) for ZIP 76504. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$15,168/yr

At $1,264/mo median

Location

CityTemple

StateTX

CountyBell County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.3% YoY, -0.1% MoM), not inventory.

Demographics

Who lives here

ZIP 76504 (Temple, TX) is majority renter-occupied, skews toward younger working-age adults, has a median income below the national average, 19.6% of residents hold a bachelor's degree or higher.

Population

26,166

Median income

$52,803

Median age

Renters

68.6%

Age distribution

22%

32.5%

20.2%

14.6%

Under 1822%

18–3432.5%

35–5420.2%

55–6410.7%

65+14.6%

Gender

50.1%

49.9%

Male50.1%

Female49.9%

Race & ethnicity

55.7%

14.7%

27.8%

White55.7%

Black14.7%

Hispanic27.8%

Asian1.5%

Education (25+)

15%

32%

33.4%

19.6%

No HS diploma15%

HS diploma32%

Some college33.4%

Bachelor's+19.6%

Housing tenure

31.4%

68.6%

Owner31.4%

Renter68.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 76504 in Temple, TX has changed in 5 years

Rent

$1,041 → $1,264

up 21.4%

Income

$42,793 → $52,803

up 23.4%

Population

23,916 → 26,166

up 9.4%

Renter share

66.5% → 68.6%

+2.1 pts

Bachelor's+

21.7% → 19.6%

-2.1 pts

Median age

32.6 → 32

-0.6 yrs

The median rent in ZIP 76504 in Temple, TX stood at $1,041 in 2021 and currently runs about $1,264, reflecting a 21.4% increase over the period. Local incomes tracked alongside that move, going from a median of $42,793 in 2021 to $52,803 more recently. The population has grown by 9.4% since 2021, moving from about 23,916 residents to roughly 26,166. Renters now make up 68.6% of households, compared with 66.5% five years ago. College-educated residents now make up 19.6% of adults here, versus 21.7% in 2021. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 76504 in Temple, TX market of 2021.

Community

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Local insights

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About renting in ZIP 76504

Last updated: October 17, 2026

ZIP code 76504 covers Temple, TX. The median rent here is $1,264/mo as of October 2026. A 1-bedroom rents for a median of $1,100/mo. A 2-bedroom rents for a median of $1,370/mo.

At 29% of local median household income ($52,803/yr), ZIP 76504 ranks as affordable compared to the national benchmark of 30%. Rents have increased 0.3% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 76504?

To keep rent at or below 30% of gross income, you would need to earn at least $51,000/year (about $25/hour full-time) to afford the median rent of $1,264/mo in ZIP 76504. The local median household income is $52,803/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 76504?

Rent in ZIP 76504 has been roughly flat over the past year as of September 2026, a +0.3% change. It sits 0.9% below its high of $1,276 in June 2023.

When is the cheapest time to rent in ZIP 76504?

Asking rents in ZIP 76504 are usually lowest in March, about 1.1% below their yearly trend, and highest in August, about 1.2% above it. At today's median that is a gap of roughly $29 a month. This pattern comes from 5 years of Zillow rent data.

How does ZIP 76504 compare to other ZIPs in Texas?

ZIP 76504 is one of the more affordable among Texas ZIP codes for rent, ranking #586 of 693 at $1,264/mo. Over the year to September 2026, rent in ZIP 76504 changed +0.3%, against a typical +1.2% across the 629 Texas ZIP codes Zillow tracks.