In Bee Cave, a typical home is worth $776,400 and typical rent is $1,877 a month. Compared with all of Travis County, the typical home value is 48% higher and typical household income is 12% higher.
Bee Cave is in Travis County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Travis County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Lago Vista, the typical home value is $420,000: 46% less than in Bee Cave ($776,400).
2
Bee Cave has the 14th highest typical home value of the 422 cities in Texas with more than 5,000 people ($776,400).
3
Bee Cave has the 35th lowest homeownership rate of the 426 cities in Texas with more than 5,000 people (49%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bee Cave
What homes there are in Bee Cave, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Bee Cave
Travis County
Texas
United States
Kind of home: Bee Cave and its comparisons
Measure
Bee Cave
Travis County
Texas
United States
Detached house
52%
52%
64%
61%
Attached house
Unreliable estimate
4%
3%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
43%
35%
21%
19%
Mobile home
Unreliable estimate
3%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Travis County, most homes in Bee Cave are detached houses (52%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Bee Cave
Travis County
Texas
United States
Year built: Bee Cave and its comparisons
Measure
Bee Cave
Travis County
Texas
United States
Before 1960
Unreliable estimate
7%
12%
26%
1960–1979
Unreliable estimate
17%
21%
24%
1980–1999
Unreliable estimate
28%
28%
25%
2000–2009
27%
19%
18%
14%
2010 or later
60%
29%
21%
11%
Homes in Bee Cave are newer: the typical year built is 2012; in Travis County, 1999.
There are fewer big homes in Bee Cave than in Travis County: 44% have 3 bedrooms or more, against 53%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1M17%
$1M or more35%
Value of owner-occupied homes: Bee Cave and its comparisons
Measure
Bee Cave
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
17%
$1M or more
35%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99958%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bee Cave and its comparisons
Measure
Bee Cave
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
58%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,438 a month
Travis County: $2,634 a month
Without a mortgage
$1,449 a month
Travis County: $1,019 a month
Owners with a mortgage
76%
Travis County: 67%
Owning costs more in Bee Cave: with a mortgage, the typical cost is $3,438 a month; in Travis County, $2,634. Without one, $1,449.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bee Cave+35%
Travis County+61%
Texas+65%
United States+53%
Typical rent
Bee Cave+25%
Travis County+35%
Texas+34%
United States+33%
Typical household income
Bee CaveNo clear change
Travis County+31%
Texas+27%
United States+29%
Change since 2015–2019: Bee Cave and its comparisons
Measure
Bee Cave
Travis County
Texas
United States
Typical home value
+35%
+61%
+65%
+53%
Typical rent
+25%
+35%
+34%
+33%
Typical household income
No clear change
+31%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Bee Cave rose 35%; in Travis County, it rose 61%.
Since 2015–2019, the typical rent in Bee Cave rose 25%, less than in Travis County (35%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bee Cave and its comparisons
Measure
Bee Cave
Travis County
Texas
United States
Rental vacancy
Unreliable estimate
4.6%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.8%
4.8%
3.4%
People per household
2.11
2.23
2.69
2.53
Drive alone
55%
57%
71%
69%
Carpool
Unreliable estimate
7%
10%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
35%
30%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Bee Cave are smaller: 2.11 people on average; in Travis County, 2.23.
In Bee Cave, 35% of workers work from home, more than in Travis County (30%).
Do the math
What would you pay each month for a home in Bee Cave?
A typical home costs more than the typical income allows
We start with a typical home in Bee Cave, worth $776,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in Bee Cave, which is $111,172 a year. For that payment to be 28% of income, a household would need to earn about $284,016 a year. Note: at that price the loan is above the FHA limit for Travis County ($571,550), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Travis County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Bee Cave. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $27,174 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$6,627
at 7.18% · 30 years
Loan amount
$762,337
Total interest
$1,096,825
Paid off in
November 2056
Includes $13,111 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,594 a month
Tight
$2,594 to $3,335 a month
Hard
more than $3,335 a month
Your payment · 72%
Compared with the typical household income in Bee Cave ($111,172 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,164
Property tax
$796
Home insurance
$324
FHA mortgage insurance (MIP)
$343
This loan is over the FHA limit
You'd borrow $749,226, but the FHA limit for a one-unit home in Bee Cave is $571,550. You'd need a bigger down payment or a different loan.
You need at least $27,174 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $6,627; principal and interest $5,164.
The city and its county
Bee Cave and Travis County
Bee Cave is in Travis County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Bee Cave
Map of Travis County, Texas, with Bee Cave marked. Around it, the neighboring counties.
Bee Cave
Travis County
Other cities with a page
Bee Cave's own numbers
Typical home value
$776,400
Typical monthly rent
$1,877
Typical yearly household income
$111,172
Households that own their home
49%
Effective property tax rate
1.23%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Travis County
FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+32%
Homes in a high flood-risk zone
2%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Travis County.
A typical home in Bee Cave is worth $776,400: 48% above the county and 174% above Texas. With the typical household income in Bee Cave ($111,172 a year), a typical home costs 7.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Bee Cave7.0 years
Travis5.3 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Travis County
According to FHFA’s house price index, home prices in Travis County rose 83% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Travis County.
Yearly change in FHFA’s price index in Travis County, 2016 to 2025
2016: +8.5% +8.5% 2016
2017: +7.2% +7.2% 2017
2018: +6.2% +6.2% 2018
2019: +6.6% +6.6% 2019
2020: +5.4% +5.4% 2020
2021: +20.2% +20.2% 2021
2022: +21.6% +21.6% 2022
2023: −6.7% −6.7% 2023
2024: −1.8% −1.8% 2024
2025: −1.7% −1.7% 2025
Change in FHFA’s price index in Travis County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−1.7%
+0.8%
+2.9%
5 years (2020–2025)
+32%
+44%
+47%
10 years (2015–2025)
+83%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Bee Cave next to Travis County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Bee Cave$776,400
Travis$523,000
Texas$283,800
United States$332,700
Typical monthly rent
Bee Cave$1,877
Travis$1,744
Texas$1,403
United States$1,413
Typical yearly household income
Bee Cave$111,172
Travis$99,611
Texas$78,476
United States$80,734
See the full table
Bee Cave next to Travis County and Texas
Measure
Bee Cave
Travis County
Texas
U.S.
Typical home value
$776,400 ▲48% above the county
$523,000
$283,800
$332,700
Typical monthly rent
$1,877 ▲8% above the county
$1,744
$1,403
$1,413
Typical yearly household income
$111,172 ▲12% above the county
$99,611
$78,476
$80,734
Households that own their home
49% ▼3 points below the county
52%
63%
65%
Typical yearly property tax
$9,541 ▲23% above the county
$7,727
$4,232
$3,119
Effective property tax rate
1.23% ▼0.25 points below the county
1.48%
1.49%
0.94%
Renters with high rent for their income
58% ▲10 points above the county
48%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Travis County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Bee Cave
For a typical $776,400 home in Bee Cave, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bee Cave's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,627a month
Above the FHA limit for Travis County ($571,550)
Down payment
$27,174
Cash to close
$50,466
Rate
7.18%
Mortgage insurance
FHA MIP · $343
Conventional, 5% down$6,485a month
Least cash to close
Down payment
$38,820
Cash to close
$62,112
Rate
7.18%
Mortgage insurance
PMI · $369
Conventional, 20% down, no PMI$5,327a month
Down payment
$155,280
Cash to close
$178,572
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,045a month
Down payment
$116,460
Cash to close
$139,752
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bee Cave
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Travis County ($571,550)
$6,627
$27,174
$762,337
7.18%
FHA MIP · $343
$50,466
580
Conventional, 5% down Least cash to close
$6,485
$38,820
$737,580
7.18%
PMI · $369
$62,112
620*
Conventional, 20% down, no PMI
$5,327
$155,280
$621,120
7.18%
None
$178,572
620*
ITIN, 15% down (example)
$6,045
$116,460
$659,940
8.18%
None
$139,752
Set by the lender
The option that asks for the least cash to close is Conventional, 5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Bee Cave is $1,877 a month: 8% above the county. In Bee Cave, 58% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Travis County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Travis County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,447
$27.83
$57,880
1 bedroom
$1,530
$29.42
$61,200
2 bedrooms
$1,817
$34.94
$72,680
3 bedrooms
$2,292
$44.08
$91,680
4 bedrooms
$2,689
$51.71
$107,560
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Bee Cave
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bee Cave is in ZIP code 78738.
For 2 bedrooms it is $2,120: $303 more than the fair market rent for Travis County ($1,817).
Fair market rent by ZIP code and size in Bee Cave, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78738
$1,690
$1,780
$2,120
$2,670
$3,140
ZIP code2 bd3 bd
78738 $2,120$2,670
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bee Cave when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 3 HUD-approved agencies with an office in Travis County; 3 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Bee Cave or Travis County. The ones below are statewide in Texas: they work in Bee Cave the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Bee Cave or Travis County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Bee Cave and all of Travis County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Bee Cave?
The typical home value in Bee Cave is $776,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Travis County it is $523,000.
How much does it cost to rent in Bee Cave?
Typical rent in Bee Cave is $1,877 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Travis County is $1,817.
What is the FHA loan limit in Bee Cave?
Bee Cave uses the FHA limit for all of Travis County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.
How much property tax do owners pay in Bee Cave?
The typical homeowner in Bee Cave pays $9,541 a year, according to the U.S. Census Bureau. That is 1.23% of the home’s value; in Travis County, the rate is 1.48%.
Where can I find free help to buy or rent in Bee Cave?
There are 3 HUD-approved counseling agencies with an office in Travis County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
