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City · 5,962 residents · El Paso County, Texas

Canutillo , Texas

In Canutillo, a typical home is worth $106,600 and typical rent is $838 a month. Compared with all of El Paso County, the typical home value is 41% lower, typical household income is 32% lower, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $106,600

    41% below the county

    62% below Texas

    • Canutillo
    • El Paso
    • Texas

  • Typical rent

    $838a month

    22% below the county

    40% below Texas

    • Canutillo
    • El Paso
    • Texas

  • Typical household income

    $40,682a year

    32% below the county

    48% below Texas

    • Canutillo
    • El Paso
    • Texas

  • Households that own their home

    82%

    18 points above the county

    20 points above Texas

    • Canutillo
    • El Paso
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$235,413
5.1% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Canutillo is in El Paso 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 El Paso County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Canutillo apart

What this place has that others do not, from public data, most unusual first.

  1. Canutillo has the 13th lowest typical household income of the 424 cities in Texas with more than 5,000 people ($40,682).

  2. The typical home in Canutillo is worth $106,600, 41% less than in El Paso County as a whole ($180,400).

  3. 82% of households in Canutillo own their home, against 64% in El Paso County.

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Canutillo rose 5.1%; in Texas, it fell 1.4%.

  5. Canutillo has the 24th lowest typical rent of the 413 cities in Texas with more than 5,000 people ($838).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Canutillo

What homes there are in Canutillo, 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

In Canutillo there is a bit of everything: no kind of home reaches half. The most common are detached houses (45%); in El Paso County, 68%.

In Canutillo there are many mobile homes: 36% of homes; in El Paso County, 5%.

Year built

Homes in Canutillo are newer: the typical year built is 1992; in El Paso County, 1988.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,578 a month

El Paso County: $1,601 a month

Without a mortgage

$452 a month

El Paso County: $553 a month

Owners with a mortgage

34%

El Paso County: 53%

Owning costs more in Canutillo: with a mortgage, the typical cost is $2,578 a month; in El Paso County, $1,601. Without one, $452.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Canutillo stayed about the same since 2015–2019: the Census sees no clear change.

The typical rent in Canutillo stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCanutilloEl Paso CountyTexasUnited States
Rental vacancy Unreliable estimate6.4%7.7%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room Unreliable estimate5.3%4.8%3.4%
People per household 3.422.862.692.53
Drive alone 83%75%71%69%
Carpool Unreliable estimate12%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 6%9%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Canutillo has 3.42 people, more than in El Paso County (2.86).

In Canutillo, 83% of workers drive alone to work; in El Paso County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Canutillo?

A typical home is within reach of the typical income

We start with a typical home in Canutillo, worth $106,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Canutillo, which is $40,682 a year.

The calculator's FHA and conventional loan limits are those of all of El Paso County.

Your numbers

Local data
$

Starts at the typical home value in Canutillo. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,731 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$981

at 7.18% · 30 years

Loan amount
$104,669
Total interest
$150,594
Paid off in
November 2056

Includes $1,800 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $949 a month

  • Tight

    $949 to $1,220 a month

    Your payment · 29%

  • Hard

    more than $1,220 a month

Compared with the typical household income in Canutillo ($40,682 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$981
Principal & interest$709
Property tax$180
Home insurance$44
FHA mortgage insurance (MIP)$47

You need at least $3,731 for the down payment, plus closing costs.

Next step

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.

The city and its county

Canutillo and El Paso County

Canutillo is in El Paso 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).

Canutillo's own numbers

Typical home value
$106,600
Typical monthly rent
$838
Typical yearly household income
$40,682
Households that own their home
82%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of El Paso County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,146
Price change over 5 years (FHFA)
+57%

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 El Paso County.

Everything about El Paso County

Buying

Buying a home in Canutillo

A typical home in Canutillo is worth $106,600: 41% below the county and 62% below Texas. With the typical household income in Canutillo ($40,682 a year), a typical home costs 2.6 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.

  • Canutillo 2.6 years
  • El Paso 3.0 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in El Paso County

According to FHFA’s house price index, home prices in El Paso County rose 81% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of El Paso County.

Period County Texas U.S.
Last year (2025) +2.9% +0.8% +2.9%
5 years (2020–2025) +57% +44% +47%
10 years (2015–2025) +81% +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

Canutillo next to El Paso 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
  • Canutillo $106,600
  • El Paso $180,400
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Canutillo $838
  • El Paso $1,079
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Canutillo $40,682
  • El Paso $59,806
  • Texas $78,476
  • United States $80,734
See the full table
Canutillo next to El Paso County and Texas
Measure Canutillo El Paso County Texas U.S.
Typical home value $106,600 $180,400 $283,800 $332,700
Typical monthly rent $838 $1,079 $1,403 $1,413
Typical yearly household income $40,682 $59,806 $78,476 $80,734
Households that own their home 82% 64% 63% 65%
Typical yearly property tax $2,598 $3,660 $4,232 $3,119
Renters with high rent for their income 52% 54% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below El Paso 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 Canutillo

For a typical $106,600 home in Canutillo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Canutillo's rate.

  • FHA, 3.5% down $801a month

    Least cash to close
    Down payment
    $3,731
    Cash to close
    $6,929
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $47

  • Conventional, 5% down $781a month

    Down payment
    $5,330
    Cash to close
    $8,528
    Rate
    7.18%
    Mortgage insurance
    PMI · $51

  • Conventional, 20% down, no PMI $622a month

    Down payment
    $21,320
    Cash to close
    $24,518
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $721a month

    Down payment
    $15,990
    Cash to close
    $19,188
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Canutillo and for El Paso County.

Property tax

Data not available for this place

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in El Paso County

FEMA does not publish these numbers by city: they are for all of El Paso County.

FEMA’s maps count no homes in the high-risk zone in El Paso County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Canutillo

Typical rent in Canutillo is $838 a month: 22% below the county. In Canutillo, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of El Paso County, by unit size. To pay the 2-bedroom one ($1,146 a month) without spending more than 30% of your income, you would need to earn $22.04 an hour working full time.

HUD fair market rent for all of El Paso County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $798 $15.35 $31,920
1 bedroom $969 $18.63 $38,760
2 bedrooms $1,146 $22.04 $45,840
3 bedrooms $1,559 $29.98 $62,360
4 bedrooms $1,915 $36.83 $76,600

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 Canutillo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Canutillo is in ZIP code 79835.

For 2 bedrooms it is $1,080: $66 less than the fair market rent for El Paso County ($1,146).

  • 79835 $1,080$1,470

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Canutillo 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Canutillo

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 El Paso County; 3 say they serve in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Canutillo

No down payment, repair or rent-help program on our list is for Canutillo or El Paso County. The ones below are statewide in Texas: they work in Canutillo the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    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).

    Tax credit

    See the program Official page

Housing counselors near Canutillo

The HUD-approved agencies closest to the center of Canutillo, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • El Paso Community Action Program, Project Bravo, Inc.

    2000 Texas Ave, El Paso · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (915) 562-4100

  • Gecu Federal Credit Union

    6801 Viscount Blvd, El Paso · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (915) 774-2160

  • Adults and Youth United Development Association Inc

    1325 Beverly Ann Dr, San Elizario · 31 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (915) 584-2875

Every agency in El Paso County All counseling agencies in Texas

Help in Spanish near Canutillo

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Canutillo

HUD’s record names them for Canutillo or El Paso County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in El Paso County: see the list Source: HUD

Cities

Other cities in El Paso County

These cities are also in El Paso County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about El Paso County Housing in Texas

Nearby cities

The cities closest to Canutillo, with the typical home value.

Neighboring counties

If El Paso County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Canutillo.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Canutillo

Short answers with the numbers for Canutillo and all of El Paso 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 Canutillo?

The typical home value in Canutillo is $106,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in El Paso County it is $180,400.

How much does it cost to rent in Canutillo?

Typical rent in Canutillo is $838 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in El Paso County is $1,146.

What is the FHA loan limit in Canutillo?

Canutillo uses the FHA limit for all of El Paso 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 Canutillo?

The typical homeowner in Canutillo pays $2,598 a year, according to the U.S. Census Bureau. That is Data not available for this place of the home’s value; in El Paso County, the rate is 2.03%.

Where can I find free help to buy or rent in Canutillo?

There are 3 HUD-approved counseling agencies with an office in El Paso County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).