1st Advantage MortgageBurnet County households have a median income of $78,732 and median rent of $1,319 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Texas before sharing details.
On this page
- Burnet County, TX: the basics
- Burnet County housing compared with Texas
- Income in Burnet County compared with Texas
- Jobs and commutes in Burnet County
- Cities, towns and CDPs in Burnet County
- The counties around Burnet County
- Debt-to-income at Burnet County's medians
- People and households in Burnet County
- Before borrowing in Burnet County
- Steps before you apply in Burnet County
- Checking a lender's license in Texas
- Nearby and statewide guides
- Frequently asked questions
Burnet County, TX: the basics
Roughly 52,652 residents live in Burnet County, Texas, 68th by population among the state's 254 counties and county equivalents. It covers 995 square miles of land, or about 53 people per square mile. Under the July 2023 OMB definitions, Burnet County is not part of any metropolitan area. The Census Bureau counts 9 places in the county (8 incorporated, 1 census-designated); the largest is Marble Falls, with about 7,752 residents, or 15% of the county.
Burnet County housing compared with Texas
Median gross rent, utilities included, comes to $1,319 in Burnet County versus $1,403 statewide. Rent takes 30% or more of income for 44% of renter households here. With a median value of $344,000, a typical Burnet County house costs 4.4 times what the median household earns in a year. 76% of Burnet County households own their home and 24% rent. Median construction year: 1997.
| Housing | Burnet County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,319/mo | $1,403/mo | $877/mo |
| Median home value | $344,000 | $283,800 | $185,300 |
| Owners | 76% | 63% | 75% |
| Rent-burdened renters | 44% | 52% | 45% |
| Burdened owners | 33% | 29% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Income in Burnet County compared with Texas
Half of Burnet County households take in less than $78,732 a year and half take in more, about the same as the Texas median of $78,476. In the state ranking that is 41st of 254.
| Households earning | Burnet County | +/- vs Texas |
|---|---|---|
| Under $35,000 | 16.5% | -4.9 pts |
| $35,000 to $99,999 | 44.6% | +5.2 pts |
| $100,000 to $199,999 | 28.1% | +1.4 pts |
| $200,000 or more | 10.7% | -1.8 pts |
About 17% of households earn under $35,000, while 39% clear $100,000. The poverty rate is 8.0%, 6 points lower than the state's 13.8%. Income inequality, measured by the Gini index, comes to 0.455 here. A household earning below the $78,732 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Jobs and commutes in Burnet County
The biggest employer of Burnet County residents, by industry, is education and health care at 19% of workers, followed by construction (18%). Construction stands out: 18% of workers here, versus 9% statewide. Averaged over the five survey years, 2.6% of the labor force was out of work and looking. Long commutes are common here: 23% of workers spend 45 minutes or longer getting to work. 3.7% of households have no vehicle.
| Sector | Burnet County | Compared with Texas |
|---|---|---|
| Education and health care | 18.8% | -2.8 pts |
| Construction | 17.8% | +9.2 pts |
| Retail trade | 12.7% | +1.7 pts |
| Professional and administrative services | 10.7% | -2.2 pts |
| Arts, lodging and food service | 9.8% | +1.3 pts |
| Finance, insurance and real estate | 6.2% | -0.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Cities, towns and CDPs in Burnet County
The table lists the 9 largest of 9 Census places in Burnet County, by population. Together all 9 hold about 30,915 people, so roughly 41% of residents live outside any named place. Horseshoe Bay has the highest median household income on the list ($96,794) and Marble Falls the lowest ($57,925), counting places with at least 500 residents. Rent is cheapest in Burnet ($1,019) and steepest in Meadowlakes ($1,685). No Burnet County place has a separate guide yet; this county page serves all 9.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Marble Falls | city | 7,752 | $57,925 | $1,360 | 16 mi |
| Burnet | city | 6,732 | $87,587 | $1,019 | 3 mi |
| Granite Shoals | city | 5,328 | $78,042 | $1,319 | 17 mi |
| Horseshoe Bay | city | 4,854 | $96,794 | $1,536 | 20 mi |
| Bertram | city | 2,037 | $63,311 | $1,522 | 9 mi |
| Meadowlakes | city | 1,861 | $79,050 | $1,685 | 17 mi |
| Cottonwood Shores | city | 1,859 | $63,365 | $1,224 | 18 mi |
| Highland Haven | city | 448 | $91,250 | $2,250 | 17 mi |
| Briggs | CDP | 44 | $2,499 | n/a | 18 mi |
The counties around Burnet County
Six nearby counties, 28 to 46 miles away by the straight-line distance between their centers. Income ranges from $55,819 in San Saba County to $111,340 in Williamson County; 3 of these neighbors top Burnet County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Burnet County | - | $78,732 | $1,319/mo | 76% |
| Lampasas County, TX | 28 mi | $81,736 | $1,059/mo | 80% |
| Llano County, TX | 29 mi | $67,530 | $998/mo | 77% |
| Williamson County, TX | 37 mi | $111,340 | $1,796/mo | 66% |
| Blanco County, TX | 38 mi | $92,425 | $1,017/mo | 76% |
| San Saba County, TX | 44 mi | $55,819 | $958/mo | 72% |
| Bell County, TX | 46 mi | $68,865 | $1,224/mo | 57% |
Debt-to-income at Burnet County's medians
The debt-to-income ratio is the main affordability test lenders use. Applied to Burnet County's medians:
- Median income divided by twelve: $6,561 before taxes
- Less median rent of $1,319, which is 20% of it
- $1,502: what a 43% ratio leaves once rent is paid
Two-income households and single earners in Burnet County land in very different places on this math, so run it for your own budget.
People and households in Burnet County
Degree holders: 29% of adults over 25. 18.9% of residents have no health coverage.
| Indicator | Burnet County | All of Texas | U.S. county median |
|---|---|---|---|
| Median age | 44.1 | 35.6 | 41.5 |
| Bachelor's or higher | 28.5% | 33.8% | 22.2% |
| No high school diploma | 10.9% | 14.0% | n/a |
| No health insurance | 18.9% | 17.1% | 7.8% |
| No vehicle | 3.7% | 5.4% | 5.4% |
| Work from home | 13.4% | 14.4% | 8.7% |
| Poverty rate | 8.0% | 13.8% | 13.2% |
| Unemployment (ACS) | 2.6% | 5.3% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 30.5% |
| 15 to 29 min | 26.6% |
| 30 to 44 min | 19.8% |
| 45 to 59 min | 8.0% |
| 60+ min | 15.0% |
Before borrowing in Burnet County
Based on the Burnet County data above, these borrowing questions are most likely to matter locally.
- Medical bills. 19% of Burnet County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Long drives. With 23% of commutes over 45 minutes, tires and repairs are fixed costs in many Burnet County budgets.
- Repairs on manufactured housing. With 18% of homes here, compare a personal loan with any dealer or park repair program.
Steps before you apply in Burnet County
Steps that save money for Burnet County residents:
- Price the Burnet County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- Only work with lenders licensed for Texas borrowers.
- Never pay a fee up front to get a loan.
Checking a lender's license in Texas
Licensing happens at the state level, so a lender working with Burnet County borrowers answers to the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The Texas guide covers state rules in more detail.
Nearby and statewide guides
The Texas guide covers the whole state.
Frequently asked questions
What is the median household income in Burnet County?
$78,732 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 41st of 254 in the state.
Is Burnet County expensive for renters?
Median rent is $1,319 against $1,403 statewide, and 44% of renter households are cost-burdened.
Should Burnet County homeowners use home equity instead?
Maybe, but weigh the risk: 76% of Burnet County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Burnet County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Marble Falls, Burnet, Granite Shoals, Horseshoe Bay, Bertram and 4 more.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Burnet County or elsewhere in Texas, the same rules apply.