ZIP Code 78650 — McDade CDP, TX Demographics & Data

ZIP code 78650 covers McDade, TX in Bastrop County with a population of about 2,679.

At a glance, the area shows median age of 41.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 512, 737; U.S. House district TX-10; the AUSTIN media market.

Median household income in ZIP 78650 is about $66,071 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 7.7%; 17.4% of adults with a bachelor’s degree or higher (about 16.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Manufacturing, and Retail trade; about 12.7% of workers reporting work-from-home (about 2.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $247,300 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $858 (about 26% below the U.S. median rent ($1,163)), and owner-occupancy near 96.0% (about 30.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78650 in McDade, TX, a household would need roughly $68,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,589. That is roughly in line with the local median household income ($66,071). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for McDade CDP, TX as Relatively Moderate (composite score 81.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.2) and wildfire (71.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for McDade CDP, TX show little to no average snow and around 36.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 126 for ZIP 78650 (McDade CDP, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.