The 100% Commission Real Estate Brokerage in Temple Terrace.

The Temple Terrace market right now (mid-2026)

Temple Terrace is a small incorporated city in northeast Hillsborough County, wrapped around a bend in the Hillsborough River just east of USF, and the reliable read on its market comes from county single-family data. As of June 2026 the Hillsborough single-family median was $445,155, up 1.2% year over year, with homes going to contract in a median 31 days and inventory at 3.7 months of supply — still under the six-month line that marks a buyer's market, but loosening from the extreme scarcity of prior years (Redfin/Stellar MLS, June 2026). Sellers received a median 97.2% of list price countywide that month (Redfin/Stellar MLS, June 2026).

The honest city-level note: Temple Terrace portal medians run below the county and move around. Zillow put the city's typical home value near $332,559, down 4.7% year over year, in June 2026 (Zillow, June 2026), while Houzeo/Redfin data showed a city median around $350,000 with roughly 66 days on market, 3.2 months of supply, and a 96.0% sale-to-list ratio in March 2026 (Houzeo/Redfin, March 2026); Movoto later reported a typical value near $353,046 in July 2026 (Movoto, July 2026). Those figures sit below Hillsborough's $445,155 because Temple Terrace's stock skews to older, smaller homes and its thin monthly sample swings the median — exactly why the county single-family number is the steadier anchor for commission math.

USF, Moffitt, and the university-and-medical demand engine

What makes Temple Terrace's housing demand durable is who works next door. The city's western edge runs up against the University of South Florida, the Moffitt Cancer Center, USF Health, and the wider Fowler Avenue medical and research corridor, with Busch Gardens and the Museum of Science and Industry a few blocks farther. That's a deep, recession-resistant pool of faculty, physicians, residents, nurses, grad students, and staff who want to live within a short commute — and Temple Terrace's tree-lined streets off 56th Street and Fowler Avenue put them minutes from campus while keeping them inside a small city with its own police, schools, and identity.

That proximity also shapes the deal types an agent sees here. A meaningful share of Temple Terrace's stock trades as rentals and investment property — student-adjacent and workforce housing that stays leased on USF's calendar — and buyers run those purchases on cap-rate math and lease-up timelines, not just comps. On the county single-family median of $445,155 (Redfin/Stellar MLS, June 2026), an investor's spread between purchase price and achievable rent is the whole conversation. Agents who can speak to rent rolls, tenant turnover around the academic year, and the difference between a true single-family and a house chopped into rooms close deals that a comps-only agent talks their way out of.

The river, flood zones, and the commute geometry

The Hillsborough River is Temple Terrace's signature and its complication. The historic core — laid out in the 1920s around the Temple Terrace Golf & Country Club, one of Florida's oldest — hugs the river, and those riverfront and low-lying streets carry real flood-zone exposure. In post-2022 Florida, that means flood insurance quotes, elevation certificates, and base-flood-elevation questions are front-line deal variables, not closing-table surprises. Agents who can read a FEMA flood map and explain what a Special Flood Hazard Area does to a buyer's monthly payment protect their riverfront deals; agents who can't tend to lose them late.

Commute geometry drives the rest. Temple Terrace sits inside the I-75, I-275, and Fowler Avenue triangle, giving it fast reach to downtown Tampa, the USF/Moffitt campus, New Tampa, and Brandon — a genuine advantage buyers pay for. The trade-off is an established-versus-new split: the original city offers 1920s-through-mid-century homes on mature lots at the older stock's lower price points, while newer construction and townhome product in the 33637 corridor toward I-75 and Morris Bridge Road pull the pricier, lower-maintenance buyers. On the county's 3.7 months of supply and 97.2% of list (Redfin/Stellar MLS, June 2026), knowing which pocket a listing sits in — river-core character versus turnkey new build — is what sets the right price the first time.

What the $499 flat fee means for a Temple Terrace agent

Here's the math at the real number. A Temple Terrace agent closing 10 single-family sides a year at the $445,155 county median (Redfin/Stellar MLS, June 2026) grosses roughly $133,500 at 3% per side. A 25% split brokerage keeps about $33,400 of that; a 20% split, roughly $26,700 — before monthly desk fees, tech fees, or franchise dues. At Gromadzki, those same ten closings cost $4,990 flat, so somewhere between $22,000 and $28,000 more stays with the agent, every year.

That gap matters more at Temple Terrace price points, not less. When the median side is around $13,350 gross rather than the six figures a luxury-coast agent sees, a percentage split takes the same fixed slice off a thinner check — so the flat fee returns a larger share of a smaller commission. And in a market where the winning deals demand genuine skill — flood-zone and elevation fluency on the river, cap-rate and lease-up analysis on the USF rentals, pricing the older core against new I-75-corridor product — that expertise is exactly the income a split quietly taxes. On the same license and the same Stellar MLS, a Temple Terrace agent already works New Tampa, USF, Seminole Heights, Brandon, and across Hillsborough; the flat fee just lets them keep what that reach earns.