Town in Bastrop County, part of the Austin metro

Living in Cedar Creek, TX

F

735th of 745Texas towns of 1,000 to 10,000 people
Overall score 1 of 100
58th of 58 in the Austin area

We give Cedar Creek an F. It ranks 735th of 745 Texas towns of 1,000 to 10,000 people. It does best on home ownership and jobs and income, and trails on getting around and schools.

  • Pricey
  • Cost of living scores low (10 of 100)
  • Schools scores low (3 of 100)
Map of Texas showing where Cedar Creek isHoustonSan AntonioDallasFort WorthCedar Creek
Where Cedar Creek is in Texas.
Population
4,440
Median rent
No data
Median home value
$279,400about the same as Texas
Household income
$73,864Median
Average commute
41 minOne way
Violent crime
No dataNo full-year report

What it's like to live in Cedar Creek

Cedar Creek sits about 21 miles from downtown Austin, in the Austin-Round Rock-San Marcos metro. About 4,440 people live here. It is small-town and rural in feel, with mostly newer homes (the median home was built in 2002).

The median age is 21.0, 52% of households have children, 91% of homes are owned by the people living in them and the typical household earns $73,864 a year (6% lower than the Texas median).

Pros of living in Cedar Creek

No clear standouts in our data.

Cons of living in Cedar Creek

  • Weaker school ratings. None of the 4 rated campuses earn an A or B from the state.
  • Long commutes. The average trip to work takes 41 minutes, against 27 across Texas.
  • Errands mean a drive. Compared with similar Texas places, fewer homes here are within a mile of a grocery store, pharmacy, park or clinic.
  • Many adults uninsured. 28% of adults 18 to 64 have no health insurance, against 20% statewide.
  • Natural hazard risk. FEMA rates the risk of river flooding, tornadoes and heat waves as very high here.

Who Cedar Creek suits

  • FamiliesNot the best fit: 0% of rated schools earn an A or B. Compared with similar Texas places, it beats 3% for families.
  • Young professionalsNot the best fit: household income is 6% lower than the Texas median, with 10 restaurants and 2 cafes in town. Compared with similar Texas places, it beats 5% for young professionals.
  • RetireesNot the best fit: 28% of working-age adults are uninsured. Compared with similar Texas places, it beats 1% for retirees.
  • Remote workersNot the best fit: 79% of homes have broadband. Compared with similar Texas places, it beats 1% for remote workers.
  • People on a budgetNot the best fit. Compared with similar Texas places, it beats 5% for people on a budget.

Cedar Creek report card

Ten grades, one for each part of daily life we measure. Most compare Cedar Creek with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.

  • Cost of living: grade D-

    Homes cost 3.8x income.

    10 of 100 vs US towns

  • Jobs and income: grade B-

    Median household income $73,864, 1.5% unemployed.

    61 of 100 vs US towns

  • Schools: grade F

    4 rated campuses, 0% rated A or B.

    3 of 100 vs TX towns

  • Safety: no grade

    No full year of crime data from local police.

    No score vs TX towns

  • Errands and things to do: grade D-

    1 grocery store, 10 restaurants, 1 park mapped in town.

    12 of 100 vs TX towns

  • Getting around: grade F

    Average commute 41 min, 12% work from home.

    1 of 100 vs US towns

  • Education levels: grade D-

    17% have a bachelor’s degree.

    13 of 100 vs US towns

  • Health: grade D-

    28% of adults uninsured.

    10 of 100 vs US towns

  • Home ownership: grade A+

    91% of homes owner-occupied.

    98 of 100 vs US towns

  • Internet access: grade D-

    79% of homes have broadband.

    10 of 100 vs US towns

Where Cedar Creek stands out compared with Texas

Better than Texas

  • Homes owned by the people living in them: 91%29 points higher than Texas (63%)
  • Vacant homes: 0%9 points lower than Texas (9.4%)
  • Unemployment rate: 1.5%4 points lower than Texas (5.3%)

Worse than Texas

  • Renters paying 30%+ of income on rent: 79%27 points higher than Texas (52%)
  • Average commute: 41 min56% higher than Texas (27 min)
  • Adults with a bachelor's degree or higher: 17%17 points lower than Texas (34%)

Cost of living in Cedar Creek

HUD sets fair market rents for this area at $1,530 for a one-bedroom, $1,817 for a two-bedroom and $2,292 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $279,400, about the same as the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $1,529 before tax, or $1,869 with property tax.

Texas has no state income tax, but property taxes are among the highest in the country. The median homeowner in Cedar Creek pays $4,075 a year, about the same as the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

Typical rent by apartment size

Fair market rent by bedroom count in Cedar CreekStudio$1,4471 bedroom$1,5302 bedrooms$1,8173 bedrooms$2,2924 bedrooms$2,689
HUD fair market rent for FY2027, Austin-Round Rock-San Marcos, TX MSA. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median home valueAbout the same as Texas$279,400$283,800$332,700
Home value to income5% higher than Texas3.8x3.6x4.1x
Renters paying 30%+ of income on rent27 points higher than Texas79%52%51%
Median property tax per year4% lower than Texas$4,075$4,232$3,119
Homes owned by the people living in them29 points higher than Texas91%63%65%
Median year homes were builtAbout the same as Texas200219921980

Monthly cost to buy a median home

$1,869
Mortgage payment
$1,529
Property tax
$340

Based on a $279,400 home in Cedar Creek, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.

Schools in Cedar Creek

Cedar Creek has 4 public school campuses with a 2025 state rating inside the city, and 0% of them earn an A or B. Most students here are served by Bastrop ISD.

Texas districts usually assign students by attendance zone rather than the closest campus, so check the zone for a specific address with the district before you sign a lease or buy.

Schools grade
3
of 100 vs Texas towns
Average rating
63
Texas median 81

Ratings are the 2025 Texas Education Agency A to F accountability ratings. Always check which school serves a specific address with the district.

Top-rated schools

  • DCamino Real ElementaryElementary, Bastrop ISD69 of 100
  • DCedar Creek IntermediateMiddle, Bastrop ISD65 of 100
  • FCedar Creek MiddleMiddle, Bastrop ISD59 of 100
  • FCedar Creek ElementaryElementary, Bastrop ISD58 of 100

Daily life in Cedar Creek

Everyday places mapped inside Cedar Creek, from Overture Maps. Well-known spots include Cedar Creek Park.

The average one-way commute is 41 minutes, 56% longer than the Texas average. 12% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

Downtown Austin is about 21 miles away in a straight line. Many people who live in Cedar Creek work elsewhere in the metro, so test the drive at rush hour before you commit.

The median household income is $73,864, income per person is $18,538, unemployment is 1.5% and 17% of adults hold a bachelor's degree.

Grocery stores
1
Pharmacies
0
Restaurants
10
Cafes
2
Bars
1
Parks
1
Gyms
1
Hospitals and urgent care
0
Childcare
2
Libraries
0

Jobs, income and education

MeasureHereTexasUS
Median household income6% lower than Texas$73,864$78,476$80,734
Income per person55% lower than Texas$18,538$40,752$44,673
Unemployment rate4 points lower than Texas1.5%5.3%5.2%
People below the poverty lineAbout the same as Texas14%14%12%
Adults with a bachelor's degree or higher17 points lower than Texas17%34%36%
Adults with a high school diploma or higher15 points lower than Texas71%86%90%
Adults 18 to 64 without health insurance9 points higher than Texas28%20%11%
Homes with broadband internet13 points lower than Texas79%91%91%

Getting to work

MeasureHereTexasUS
Average commute56% higher than Texas41 min27 min26 min
Workers who work from home3 points lower than Texas12%14%15%
Workers who work from home12%
Workers who take transit0%
Workers who walk0%
Workers who bike0%

Who lives in Cedar Creek

Under 1847%
18 to 3413%
35 to 6426%
65 and over14%

Median age 21.0 years. 52% of households have children.

Race and ethnicity
White14%
Hispanic or Latino64%
Black21%
Asian0%
Other or more than one race1.2%

Shown for information only. It is never part of any grade.

Weather in Cedar Creek

Cedar Creek has a hot Texas climate. July highs average 96°F and January lows about 37°F. There are about 122 days a year at 90°F or above, and about 38 inches of rain a year.

Average monthly high and low temperatures in Cedar Creek30°50°70°90°62J66F72M79A85M92J96J97A91S82O72N64DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Cedar Creek 5 S, 6 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is very high, hurricane risk is moderate, tornado risk is very high and hail risk is very high. Before you buy, look up the FEMA flood zone for the exact address and get a flood insurance quote, since standard home policies do not cover floods.

  • River floodingVery high
  • HurricanesModerate
  • TornadoesVery high
  • HailVery high
  • Heat wavesVery high
  • WildfiresVery high
  • Winter stormsVery high
  • Strong windHigh

Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

Places near Cedar Creek

Nearby, Wyldwood gets a C+, Garfield gets a D+ and Mustang Ridge gets a D-. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. C+WyldwoodTown, 4,934 people4 mi
  2. D+GarfieldTown, 1,926 people8 mi
  3. D-Mustang RidgeTown, 1,750 people9 mi
  4. D-Hornsby BendSmall city, 12,367 people11 mi
  5. C+BastropSmall city, 11,156 people13 mi
  6. FNiederwaldTown, 1,029 people15 mi

Cedar Creek in the Austin area

How it ranks among 58 places in the metro.

  1. 1A+The Hills2,516 people14 mito downtown
  2. 2A+Rollingwood1,316 people3 mito downtown
  3. 3A+Brushy Creek19,576 people15 mito downtown
  4. 55FRosanky1,695 people36 mito downtown
  5. 56FNiederwald1,029 people21 mito downtown
  6. 57FCamp Swift8,239 people29 mito downtown
  7. 58FCedar Creek4,440 people21 mito downtown

See all of the best suburbs of austin

Living in Cedar Creek: common questions

Is Cedar Creek, TX a good place to live?

We give Cedar Creek an F. It ranks 735th of 745 Texas towns of 1,000 to 10,000 people. It does best on home ownership and jobs and income, and trails on getting around and schools.

How much does it cost to live in Cedar Creek?

The median home is worth $279,400, about the same as the Texas median. A median home costs 3.8x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $1,869, including property tax.

Are the schools good in Cedar Creek?

We found 4 rated public school campuses inside Cedar Creek. 0% are rated A or B by the Texas Education Agency. Its schools score is 3 of 100 compared with other Texas towns of 1,000 to 10,000 people.

Does Cedar Creek flood?

FEMA rates river flooding risk in Cedar Creek as very high, and coastal flooding as not rated. Hazards rated high or very high here: river flooding, tornadoes, heat waves, hail, wildfires, winter storms and strong wind. Always check the flood map for a specific address before you buy.

What is the weather like in Cedar Creek?

Summers in Cedar Creek peak at about 96°F in July, and January nights fall to about 37°F. Expect around 122 days a year at 90°F or hotter, and 38 inches of rain.

How long is the commute in Cedar Creek?

The average one-way commute is 41 min, 56% higher than the Texas average. About 12% of workers work from home. It is about 21 miles from downtown Austin.

Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.