In Hutchins, a typical home is worth $235,200 and typical rent is $1,396 a month. Compared with all of Dallas County, typical household income is 38% lower and the typical home value is 22% lower.
Typical home value from Zillow, September 2021 to September 2026: from $214,209 to $244,349.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hutchins is in Dallas County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Dallas County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Hutchins is $47,829,38% less than in Dallas County as a whole ($76,547).
2
The typical home in Hutchins is worth $235,200,22% less than in Dallas County as a whole ($303,000).
3
Hutchins has the 23rd largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (67%).
4
Hutchins has the 33rd lowest homeownership rate of the 426 cities in Texas with more than 5,000 people (49%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hutchins
What homes there are in Hutchins, 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
Hutchins
Dallas County
Texas
United States
Kind of home: Hutchins and its comparisons
Measure
Hutchins
Dallas County
Texas
United States
Detached house
52%
52%
64%
61%
Attached house
Unreliable estimate
4%
3%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
37%
21%
19%
Mobile home
19%
2%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Hutchins, 5 in 10 homes are single-family detached houses, about the same as in Dallas County.
In Hutchins there are many mobile homes: 19% of homes; in Dallas County, 2%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Hutchins
Dallas County
Texas
United States
Year built: Hutchins and its comparisons
Measure
Hutchins
Dallas County
Texas
United States
Before 1960
Unreliable estimate
17%
12%
26%
1960–1979
22%
28%
21%
24%
1980–1999
18%
28%
28%
25%
2000–2009
19%
13%
18%
14%
2010 or later
27%
14%
21%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K31%
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hutchins and its comparisons
Measure
Hutchins
Under $100K
31%
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hutchins and its comparisons
Measure
Hutchins
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,642 a month
Dallas County: $2,166 a month
Without a mortgage
$754 a month
Dallas County: $793 a month
Owners with a mortgage
49%
Dallas County: 57%
In Hutchins, 49% of owners have a mortgage, and their typical cost is $1,642 a month, against $2,166 in Dallas County. Without one it drops to $754.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hutchins+242%
Dallas County+73%
Texas+65%
United States+53%
Typical rent
Hutchins+37%
Dallas County+42%
Texas+34%
United States+33%
Typical household income
Hutchins+33%
Dallas County+28%
Texas+27%
United States+29%
Change since 2015–2019: Hutchins and its comparisons
Measure
Hutchins
Dallas County
Texas
United States
Typical home value
+242%
+73%
+65%
+53%
Typical rent
+37%
+42%
+34%
+33%
Typical household income
+33%
+28%
+27%
+29%
Since 2015–2019, homes in Hutchins gained value faster than in Dallas County: 242% against 73%.
Since 2015–2019, the typical rent in Hutchins rose 37%, less than in Dallas County (42%).
Housing prices ran ahead of income in Hutchins: typical income rose 33%, against +242% for home values and +37% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hutchins and its comparisons
Measure
Hutchins
Dallas County
Texas
United States
Rental vacancy
Unreliable estimate
9.1%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.1%
0.9%
More than one person per room
Unreliable estimate
6.2%
4.8%
3.4%
People per household
3.02
2.63
2.69
2.53
Drive alone
81%
68%
71%
69%
Carpool
Unreliable estimate
12%
10%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
16%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Hutchins are bigger: 3.02 people on average; in Dallas County, 2.63.
In Hutchins, 81% of workers drive alone to work; in Dallas County, 68%.
Do the math
What would you pay each month for a home in Hutchins?
A typical home costs more than the typical income allows
We start with a typical home in Hutchins, worth $235,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Hutchins, which is $47,829 a year. For that payment to be 28% of income, a household would need to earn about $75,707 a year.
The calculator's FHA and conventional loan limits are those of all of Dallas 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 Hutchins. 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 $8,232 (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
$2,076
at 7.18% · 30 years
Loan amount
$230,940
Total interest
$332,268
Paid off in
November 2056
Includes $3,972 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,116 a month
Tight
$1,116 to $1,435 a month
Hard
more than $1,435 a month
Your payment · 52%
Compared with the typical household income in Hutchins ($47,829 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,564
Property tax
$310
Home insurance
$98
FHA mortgage insurance (MIP)
$104
You need at least $8,232 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 $2,076; principal and interest $1,564.
The city and its county
Hutchins and Dallas County
Hutchins is in Dallas 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).
Hutchins
Map of Dallas County, Texas, with Hutchins marked. Around it, the neighboring counties.
Hutchins
Dallas County
Other cities with a page
Hutchins's own numbers
Typical home value
$235,200
Typical monthly rent
$1,396
Typical yearly household income
$47,829
Households that own their home
49%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Dallas County
FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
1%
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 Dallas County.
A typical home in Hutchins is worth $235,200: 22% below the county and 17% below Texas. With the typical household income in Hutchins ($47,829 a year), a typical home costs 4.9 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.
Hutchins4.9 years
Dallas4.0 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Dallas County
According to FHFA’s house price index, home prices in Dallas County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Dallas County.
Yearly change in FHFA’s price index in Dallas County, 2016 to 2025
2016: +9.8% +9.8% 2016
2017: +9.5% +9.5% 2017
2018: +6.7% +6.7% 2018
2019: +4.1% +4.1% 2019
2020: +2.1% +2.1% 2020
2021: +12.1% +12.1% 2021
2022: +19.8% +19.8% 2022
2023: +5.0% +5.0% 2023
2024: +3.0% +3.0% 2024
2025: −0.1% −0.1% 2025
Change in FHFA’s price index in Dallas County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.1%
+0.8%
+2.9%
5 years (2020–2025)
+45%
+44%
+47%
10 years (2015–2025)
+98%
+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
Hutchins next to Dallas 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
Hutchins$235,200
Dallas$303,000
Texas$283,800
United States$332,700
Typical monthly rent
Hutchins$1,396
Dallas$1,565
Texas$1,403
United States$1,413
Typical yearly household income
Hutchins$47,829
Dallas$76,547
Texas$78,476
United States$80,734
See the full table
Hutchins next to Dallas County and Texas
Measure
Hutchins
Dallas County
Texas
U.S.
Typical home value
$235,200 ▼22% below the county
$303,000
$283,800
$332,700
Typical monthly rent
$1,396 ▼11% below the county
$1,565
$1,403
$1,413
Typical yearly household income
$47,829 ▼38% below the county
$76,547
$78,476
$80,734
Households that own their home
49% ▼2 points below the county
51%
63%
65%
Renters with high rent for their income
67% ▲15 points above the county
52%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dallas 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 Hutchins
For a typical $235,200 home in Hutchins, 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 Hutchins's rate.
FHA, 3.5% down$1,766a month
Least cash to close
Down payment
$8,232
Cash to close
$15,288
Rate
7.18%
Mortgage insurance
FHA MIP · $104
Conventional, 5% down$1,723a month
Down payment
$11,760
Cash to close
$18,816
Rate
7.18%
Mortgage insurance
PMI · $112
Conventional, 20% down, no PMI$1,373a month
Down payment
$47,040
Cash to close
$54,096
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,590a month
Down payment
$35,280
Cash to close
$42,336
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hutchins
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,766
$8,232
$230,940
7.18%
FHA MIP · $104
$15,288
580
Conventional, 5% down
$1,723
$11,760
$223,440
7.18%
PMI · $112
$18,816
620*
Conventional, 20% down, no PMI
$1,373
$47,040
$188,160
7.18%
None
$54,096
620*
ITIN, 15% down (example)
$1,590
$35,280
$199,920
8.18%
None
$42,336
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 Hutchins is $1,396 a month: 11% below the county. In Hutchins, 67% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Dallas County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 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 Dallas County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,491
$28.67
$59,640
1 bedroom
$1,536
$29.54
$61,440
2 bedrooms
$1,807
$34.75
$72,280
3 bedrooms
$2,275
$43.75
$91,000
4 bedrooms
$2,892
$55.62
$115,680
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 Hutchins
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hutchins is in ZIP code 75141.
For 2 bedrooms it is $1,720: $87 less than the fair market rent for Dallas County ($1,807).
Fair market rent by ZIP code and size in Hutchins, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75141
$1,420
$1,470
$1,720
$2,160
$2,760
ZIP code2 bd3 bd
75141 $1,720$2,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hutchins 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.
There are 9 HUD-approved agencies with an office in Dallas County; 6 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Hutchins or Dallas County. The ones below are statewide in Texas: they work in Hutchins the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Hutchins or Dallas 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 Hutchins and all of Dallas 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 Hutchins?
The typical home value in Hutchins is $235,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dallas County it is $303,000.
How much does it cost to rent in Hutchins?
Typical rent in Hutchins is $1,396 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dallas County is $1,807.
What is the FHA loan limit in Hutchins?
Hutchins uses the FHA limit for all of Dallas County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.
Where can I find free help to buy or rent in Hutchins?
There are 9 HUD-approved counseling agencies with an office in Dallas County. 6 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
