ZIP Code 78612 — Cedar Creek CDP, TX Demographics & Data

ZIP code 78612 covers Cedar Creek, TX in Bastrop County with a population of about 19,830.

At a glance, the area shows median age of 30.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 512, 737; U.S. House district TX-27; the AUSTIN media market.

Median household income in ZIP 78612 is about $90,925 — about 21% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.4%; unemployment rate near 5.7%; 20.9% of adults with a bachelor’s degree or higher (about 12.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Public administration; about 15.4% of workers reporting work-from-home (roughly in line with 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 $239,100 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,381 (about 19% above the U.S. median rent ($1,163)), and owner-occupancy near 81.2% (about 15.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78612 in Cedar Creek, TX, a household would need roughly $66,000 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 $1,536. That sits below the local median household income ($90,925), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Cedar Creek CDP, TX as Relatively Moderate (composite score 81.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.2) and wildfire (71.8). 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 Cedar Creek CDP, TX show little to no average snow and around 37.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 935 for ZIP 78612 (Cedar Creek CDP, 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.