To determine individual and population responses of steelhead trout (Oncorhynchus mykiss) to stream temperature, we sampled summer stream temperature and juvenile steelhead occurrence, abundance, and behavior in a small stream near the species' southern limit. Maximum annual stream temperature (22.3–33.1 °C) exerted a strong threshold effect on steelhead occurrence. Steelhead persisted through summer in all pools that did not exceed 30 °C, but the probability of persistence rapidly decreased to zero at warmer sites. Below the threshold for fish persistence, thermal effects on steelhead abundance were inconsistent, with temperature receiving strong support for inclusion in models of fish abundance at the beginning of summer but weak support for inclusion in models of end-of-summer abundance and summer fish loss. Thermal refugia that would allow steelhead to behaviorally thermoregulate were rare. In response to elevated stream temperatures, steelhead reduced foraging and agonistic activity, presumably to minimize energetic costs. In anticipation of the effects of global climate trends on stream temperature, management actions that limit or reduce stream heating will be critical for conservation of steelhead populations in habitats approaching thermal tolerance thresholds.