Total monthly cost of ownership
Cost to Own a Home in Bertram, Texas
A $195,000 home here costs
$1,713per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,002. The real number is $710 higher every month — 71% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bertram against Burnet County and Texas
| Measure | Bertram | Burnet County |
|---|---|---|
| Median home value | $195,100 | $310,500 |
| Median property tax | $2,439 | $3,495 |
| Effective tax rate | 1.250% | 1.126% |
| Median gross rent | $1,343 | $1,324 |
| Population | 1,998 | 51,064 |
The weather behind that power bill
Bertram sits in Burnet County, which averages a high of 95.8°F in its hottest month and a low of 38.1°F in its coldest, with 28.38" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,788 cooling and 1,845 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Burnet County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Burnet County
Common questions
How much does it cost to own a home in Bertram?
A $195,000 home in Bertram, Texas costs approximately $1,713 per month with 20% down at 6.66%. That is $1,002 principal and interest, $203 property tax, $129 homeowners insurance, $216 utilities and $163 set aside for maintenance.
What is the property tax rate in Bertram?
Bertram has an effective property tax rate of 1.250%, based on a median home value of $195,100 and median real estate taxes of $2,439. That is higher than the Burnet County average of 1.126%.
What is the average home price in Bertram?
The median owner-occupied home value in Bertram, Texas is $195,100, against $310,500 across Burnet County.
Is it cheaper to rent or buy in Bertram?
Median gross rent in Bertram is $1,343 a month, against $1,713 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bertram — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Texas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.