Bertram, TX—78605
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Bertram, TX
Home Price Trends — Bertram, TX
Bertram, TX lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $430,000 | -4.3% |
| Single Family | $429,000 | -4.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $362,000 | -3.5% |
4 Bed | $453,000 | -2.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Bertram, TX
As of July '25, Rentcast reports the average rent in Bertram, TX is $1,510, with a year-over-year rent change of 11.0%. Per bedroom, the median rent as of July '25 in Bertram, TX is 1-bedrooms: $1,070, 2-bedrooms: $1,180, 3-bedrooms: $1,760, 4-bedrooms: $2,110. The most common rental property sizes in Bertram, TX are 3-bedroom and 4-bedroom, accounting for 42.4% and 27.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,300 | $1,510 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $995 | $1,070 |
| 2 Bed Rent | $1,050 | $1,180 |
| 3 Bed Rent | $1,800 | $1,760 |
| 4 Bed Rent | $2,150 | $2,110 |
% of Rental Stock
Property Listings — Bertram, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Bertram, TX is 94. This is a increase of 8.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $572,000 | -15.0% |
Listing Count | 62 | 11.0% |
| Listings as % of Homes | 1.8% | 11.0% |
Days on Market | 94 | 8.0% |
Demographics — Bertram, TX
As of the latest ACS Survey released in 2023, Bertram, TX has a population of 7,630, which has increased by 24.9% over the past 5 years. Bertram, TX is a moderately popular place for families, as children make up 22.9% of the population. The area has a poorly educated workforce, with 17.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,630 | 24.9% |
% Under 18 | 22.9% | 1.8% |
% Seniors | 14.5% | -23.7% |
% WFH | 9.1% | 225.0% |
% w/ College Degree | 17.6% | -3.3% |
As of the latest ACS Survey released in 2023, Bertram, TX is a predominantly white area, with 65.6% of the population identifying as white. The white population has shrunk by 15.9% in the last 5 years. The second most common race or ethnicity in Bertram, TX is hispanic, making up 26.8% of the population. Foreign-born residents account for 10.5% of the population in Bertram, TX, and this percentage has increased by 69.4% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 65.6% | -15.9% |
% Black | 0.6% | 0.0% |
% Hispanic | 26.8% | 41.8% |
% Asian | 0.3% | -50.0% |
% Foreign Born | 10.5% | 69.4% |
Mortgage and Risk — Bertram, TX
According to HUD data as of 2023, there were 158 mortgage originations in Bertram, TX, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 32.0% above 90% LTV (very high). This implies large mortgage risk in Bertram, TX. Investor activity is low, as 2.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 158 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Bertram, TX
As of 2024, the percent of homes in Bertram, TX under the Section 8 program is 2.3%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Bertram, TX, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 7 |
Total Units Section 8 | 7 |
% Rentals under Section 8 | 2.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $525 | $995 | $1,520 |
| 2 Bedroom | $740 | $1,050 | $1,790 |
| 3 Bedroom | $490 | $1,800 | $2,290 |
| 4 Bedroom | $480 | $2,150 | $2,630 |
Affordability — Bertram, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.7 |
| Median Home Price | $430,000 |
| Median Household Income | $81,800 |