ZIP Code 78605 — Bertram city, TX Demographics & Data

ZIP code 78605 covers Bertram, TX in Burnet County with a population of about 7,632.

At a glance, the area shows median age of 38.4 (near the U.S. median).

It sits in telephone area codes 512, 737; U.S. House district TX-31; the AUSTIN media market.

Median household income in ZIP 78605 is about $81,833 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.8%; unemployment rate near 2.2%; 17.6% of adults with a bachelor’s degree or higher (about 16.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Education; about 9.1% of workers reporting work-from-home (about 6.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $270,800 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $749 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 88.9% (about 23.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78605 in Bertram, TX, a household would need roughly $75,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,740. That is roughly in line with the local median household income ($81,833). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Bertram city, TX as Relatively Low (composite score 76.6), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (88.9) and flood (82.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Bertram city, TX show little to no average snow and around 33.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 360 for ZIP 78605 (Bertram city, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.