Using novel Earth system model simulations and applying the Aerobic Growth Index, we show that only about half of the habitat loss for marine species is realized when temperature stabilization is initially reached. The maximum habitat loss happens over a century after peak warming in a temperature overshoot scenario peaking at 2 °C before stabilizing at 1.5 °C. We also emphasize that species adaptation may be key in mitigating the long-term impacts of temperature stabilization and overshoot.