In Hutchinson, a typical home is worth $125,000 and typical rent is $881 a month. Compared with all of Reno County, the typical home value is 6% lower and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $110,920 to $150,484.
Typical rent
$805a month
▲ 4.7% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $594 to $805.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hutchinson is in Reno County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Reno County. See the county
What this place has that others do not, from public data, most unusual first.
1
63% of households in Hutchinson own their home, against 69% in Reno County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hutchinson
What homes there are in Hutchinson, 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
Hutchinson
Reno County
Kansas
United States
Kind of home: Hutchinson and its comparisons
Measure
Hutchinson
Reno County
Kansas
United States
Detached house
77%
80%
72%
61%
Attached house
3%
3%
5%
6%
Building of 2 to 4
9%
7%
6%
8%
Apartments (5 or more)
9%
7%
13%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Reno County, most homes in Hutchinson are detached houses (77%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Hutchinson
Reno County
Kansas
United States
Year built: Hutchinson and its comparisons
Measure
Hutchinson
Reno County
Kansas
United States
Before 1960
51%
47%
32%
26%
1960–1979
28%
27%
24%
24%
1980–1999
13%
15%
23%
25%
2000–2009
6%
7%
12%
14%
2010 or later
2%
3%
9%
11%
By age, homes in Hutchinson look like those in Reno County: the typical year built is 1960.
There are fewer big homes in Hutchinson than in Reno County: 49% have 3 bedrooms or more, against 55%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K38%
$100K–$200K37%
$200K–$300K17%
$300K–$500K5%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hutchinson and its comparisons
Measure
Hutchinson
Under $100K
38%
$100K–$200K
37%
$200K–$300K
17%
$300K–$500K
5%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 97% of owner-occupied homes in Hutchinson are worth less than $500,000, below the FHA loan limit for Reno County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5009%
$500–$99956%
$1,000–$1,49928%
HUD fair market rent, 2 bedrooms: $1,018
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hutchinson and its comparisons
Measure
Hutchinson
Under $500
9%
$500–$999
56%
$1,000–$1,499
28%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
By rent, most homes in Hutchinson cost less than HUD's 2-bedroom fair market rent ($1,018): about 66%.
With a mortgage
$1,282 a month
Reno County: $1,316 a month
Without a mortgage
$551 a month
Reno County: $557 a month
Owners with a mortgage
60%
Reno County: 55%
In Hutchinson, 60% of owners have a mortgage; their typical cost is $1,282 a month, about the same as in Reno County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hutchinson+30%
Reno County+31%
Kansas+43%
United States+53%
Typical rent
Hutchinson+24%
Reno County+24%
Kansas+25%
United States+33%
Typical household income
Hutchinson+25%
Reno County+21%
Kansas+25%
United States+29%
Change since 2015–2019: Hutchinson and its comparisons
Measure
Hutchinson
Reno County
Kansas
United States
Typical home value
+30%
+31%
+43%
+53%
Typical rent
+24%
+24%
+25%
+33%
Typical household income
+25%
+21%
+25%
+29%
From 2015–2019 to 2020–2024, home values in Hutchinson rose at about the same pace as in Reno County: 30% against 31%.
Rents in Hutchinson rose at about the same pace as in Reno County: 24% since 2015–2019, against 24%.
The typical household income in Hutchinson rose 25% over that time; home values changed +30% and rent +24%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hutchinson and its comparisons
Measure
Hutchinson
Reno County
Kansas
United States
Rental vacancy
7.4%
6.2%
6.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
2.1%
2.1%
3.4%
People per household
2.22
2.27
2.44
2.53
Drive alone
81%
81%
75%
69%
Carpool
12%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
2%
2%
3%
3%
Work from home
5%
6%
12%
15%
Other means
2%
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
There is more rental housing open in Hutchinson: 7.4% is empty and offered for rent, against 6.2% in Reno County.
By size, households in Hutchinson look like those in Reno County: 2.22 people on average.
To get to work, 81% of workers in Hutchinson drive alone; in Reno County, 81%.
Do the math
What would you pay each month for a home in Hutchinson?
A typical home is within reach of the typical income
We start with a typical home in Hutchinson, worth $125,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Hutchinson, which is $58,687 a year.
The calculator's FHA and conventional loan limits are those of all of Reno 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 Hutchinson. 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 $4,375 (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
$1,124
at 7.18% · 30 years
Loan amount
$122,736
Total interest
$176,588
Paid off in
November 2056
Includes $2,111 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,369 a month
Your payment · 23%
Tight
$1,369 to $1,761 a month
Hard
more than $1,761 a month
Compared with the typical household income in Hutchinson ($58,687 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$831
Property tax
$185
Home insurance
$52
FHA mortgage insurance (MIP)
$55
You need at least $4,375 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 $1,124; principal and interest $831.
The city and its county
Hutchinson and Reno County
Hutchinson is in Reno County, Kansas. 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).
Hutchinson
Map of Reno County, Kansas, with Hutchinson marked. Around it, the neighboring counties.
Hutchinson
Reno County
Hutchinson's own numbers
Typical home value
$125,000
Typical monthly rent
$881
Typical yearly household income
$58,687
Households that own their home
63%
Effective property tax rate
1.78%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Reno County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,018
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
4.9%
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 Reno County.
A typical home in Hutchinson is worth $125,000: 6% below the county and 42% below Kansas. With the typical household income in Hutchinson ($58,687 a year), a typical home costs 2.1 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.
Hutchinson2.1 years
Reno2.2 years
Kansas2.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Reno County
According to FHFA’s house price index, home prices in Reno County rose 63% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Reno County.
Yearly change in FHFA’s price index in Reno County, 2016 to 2025
2016: +2.7% +2.7% 2016
2017: +1.0% +1.0% 2017
2018: +2.5% +2.5% 2018
2019: +3.1% +3.1% 2019
2020: +1.5% +1.5% 2020
2021: +9.4% +9.4% 2021
2022: +14.7% +14.7% 2022
2023: +3.6% +3.6% 2023
2024: +7.7% +7.7% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Reno County, Kansas and the United States
Period
County
Kansas
U.S.
Last year (2025)
+5.0%
+4.1%
+2.9%
5 years (2020–2025)
+47%
+49%
+47%
10 years (2015–2025)
+63%
+84%
+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
Hutchinson next to Reno County, Kansas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Hutchinson$125,000
Reno$132,500
Kansas$217,200
United States$332,700
Typical monthly rent
Hutchinson$881
Reno$863
Kansas$1,060
United States$1,413
Typical yearly household income
Hutchinson$58,687
Reno$60,645
Kansas$74,275
United States$80,734
See the full table
Hutchinson next to Reno County and Kansas
Measure
Hutchinson
Reno County
Kansas
U.S.
Typical home value
$125,000 ▼6% below the county
$132,500
$217,200
$332,700
Typical monthly rent
$881 ▲2% above the county
$863
$1,060
$1,413
Typical yearly household income
$58,687 ▼3% below the county
$60,645
$74,275
$80,734
Households that own their home
63% ▼7 points below the county
69%
67%
65%
Typical yearly property tax
$2,228 ▲3% above the county
$2,158
$2,798
$3,119
Effective property tax rate
1.78% ▲0.15 points above the county
1.63%
1.29%
0.94%
Renters with high rent for their income
45% ▲1 points above the county
44%
43%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Reno 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 Hutchinson
For a typical $125,000 home in Hutchinson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hutchinson's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,124a month
Least cash to close
Down payment
$4,375
Cash to close
$8,125
Rate
7.18%
Mortgage insurance
FHA MIP · $55
Conventional, 5% down$1,101a month
Down payment
$6,250
Cash to close
$10,000
Rate
7.18%
Mortgage insurance
PMI · $59
Conventional, 20% down, no PMI$915a month
Down payment
$25,000
Cash to close
$28,750
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,030a month
Down payment
$18,750
Cash to close
$22,500
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hutchinson
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,124
$4,375
$122,736
7.18%
FHA MIP · $55
$8,125
580
Conventional, 5% down
$1,101
$6,250
$118,750
7.18%
PMI · $59
$10,000
620*
Conventional, 20% down, no PMI
$915
$25,000
$100,000
7.18%
None
$28,750
620*
ITIN, 15% down (example)
$1,030
$18,750
$106,250
8.18%
None
$22,500
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% 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 Hutchinson is $881 a month: 2% above the county. In Hutchinson, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Reno County, by unit size. To pay the 2-bedroom one ($1,018 a month) without spending more than 30% of your income, you would need to earn $19.58 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 Reno County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$709
$13.63
$28,360
1 bedroom
$778
$14.96
$31,120
2 bedrooms
$1,018
$19.58
$40,720
3 bedrooms
$1,294
$24.88
$51,760
4 bedrooms
$1,423
$27.37
$56,920
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 Hutchinson
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hutchinson has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,020 in 67501 to $1,060 in 67502.
2 of the 2 are above the fair market rent for Reno County ($1,018).
Fair market rent by ZIP code and size in Hutchinson, fiscal year 2027.
67501
$710
$780
$1,020
$1,300
$1,430
67502
$740
$810
$1,060
$1,350
$1,480
ZIP code2 bd3 bd
67501 $1,020$1,300
67502 $1,060$1,350
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hutchinson 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.
We found no HUD-approved agencies with an office in Reno County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Hutchinson or Reno County. The ones below are statewide in Kansas: they work in Hutchinson the same as in the rest of the state.
Kansas state corporation 0% loan for 15% or 20% of the price for the down payment and closing costs, forgiven after 10 years in the home, for households with income up to 80% of the area median; not available in Johnson County or in Kansas City, Lawrence, Topeka and Wichita.Offered by Kansas Housing Resources Corporation (KHRC).
No legal help resource on our list is for Hutchinson or Reno 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 Hutchinson and all of Reno 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 Hutchinson?
The typical home value in Hutchinson is $125,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Reno County it is $132,500.
How much does it cost to rent in Hutchinson?
Typical rent in Hutchinson is $881 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Reno County is $1,018.
What is the FHA loan limit in Hutchinson?
Hutchinson uses the FHA limit for all of Reno County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Hutchinson?
The typical homeowner in Hutchinson pays $2,228 a year, according to the U.S. Census Bureau. That is 1.78% of the home’s value; in Reno County, the rate is 1.63%.
Where can I find free help to buy or rent in Hutchinson?
We found no HUD-approved counseling agencies with an office in Reno County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
