ZIP Code 78738 — Bee Cave city, TX Demographics & Data

ZIP code 78738 covers Bee Cave, TX in Travis County with a population of about 28,790.

At a glance, the area shows median age of 43.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 512, 737; U.S. House district TX-10; the AUSTIN media market.

Bee Cave, TX aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 78738 is about $169,911 — about 126% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.4%; unemployment rate near 2.5%; 75.4% of adults with a bachelor’s degree or higher (about 41.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Manufacturing, and Finance and insurance; about 40.9% of workers reporting work-from-home (about 25.7 points above 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 $754,600 — about 117% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,859 (about 60% above the U.S. median rent ($1,163)), and owner-occupancy near 76.3% (about 10.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78738 in Bee Cave, TX, a household would need roughly $208,000 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 $4,847. That is about 22% above the local median household income ($169,911), so the median earner would likely stretch or need a larger down payment. 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 Bee Cave city, TX as Relatively High (composite score 97.7), which is among the highest nationally. The strongest component scores on US5 are flood (98.3) and wildfire (90.8). 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 Bee Cave city, TX show little to no average snow and around 35.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,358 for ZIP 78738 (Bee Cave 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.