Bertram, Texas.
Typical home $409,315 (-1.3% in a year).
to buy the typical home at today's mortgage rate — +$1,130 (+111%) since Jan 2020.
- 1 year
- Down $5,505 -1%
- $414,821$409,315 since Sep 2025
- 5 years
- Up $42,543 +12%
- $366,772$409,315 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Bertram$2,148
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 32 years.
Typical home values in Bertram, TX fell 1.3% over the past year — slower than the nation's +1.2%.
Living in Bertram, Burnet County, Texas
Bertram is a city of 1,616 people in Burnet County. Half its households earn more than $63,311 a year and half less, against $78,732 across Burnet County. Unemployment in Burnet County was 4.0% in August 2026, and the county had 1.6% more jobs in 2025 than the year before. The most residents work in construction, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Bertram is a small city in Burnet County, Texas, with a population that has stayed modest. Household incomes here run below the county's, while the typical home is valued well above what the town's incomes alone might suggest. Winters are mild, with January the coldest month, and summers turn hot, especially in August, with a fair amount of rain across the year.
Work. Residents work mostly in the building trades, in schools, hospitals and social care, in shops, and in transport, warehouses and utilities. Across Burnet County, the largest workplaces include Marble Falls ISD, Baylor Scott & White - Marble Falls and H-E-B. Unemployment across the county is close to where it stood a year ago, and the county has added a few more jobs. Commutes are on the long side, and relatively few people work from home.
Things to do. The closest outing is Balcones Canyonlands National Wildlife Refuge, a protected area a short drive away. A longer drive brings you to Lake Buchanan, a reservoir, and to the Pedernales River. Fort Croghan, a museum, is also a longer drive away.
Report a mistake
- 809households
- 20%of adults have a degree
- 31 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Burnet County had 17,073 jobs in 2025, 1.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 60° and lows near 40°; warmest in August, with highs near 95° and lows near 72°. About 33 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Austin Northwest weather station, 8 miles away (NOAA).
Largest workplaces in Burnet County
- Marble Falls ISDSchool district700FTE
- Baylor Scott & White - Marble FallsGeneral hospital503FTE
- H-E-BRetail477
- Burnet CisdSchool district467FTE
- Firefly Aerospace BriggsPropulsion units and parts, guided missile and space vehicle, manufacturing379
- WalmartWarehouse clubs and supercenters263
- EntegrisAcids, organic, not specified elsewhere by process, manufacturing247
- H-E-BRetail199
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 31 workplaces with 20 or more staff, 4,032 people in all across the county; Bertram has two of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- TornadoesRelatively high
- WildfireRelatively moderate
- Hailrelatively high in parts of BertramRelatively moderate
- Strong windrelatively high in parts of BertramRelatively moderate
- Heat wavesrelatively high in parts of BertramRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bertram’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Burnet County.
Bertram home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bertram$409,315
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 5 Bertram listings — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Bertram20.32%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bertram94
New listings per month
Sellers arriving at the market.
- Bertram12
Zip codes with a Bertram address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bertram — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.