Español

Este sitio también está en español. Leer en español

City · 35,483 residents · Williamson County, Texas

Hutto , Texas

In Hutto, a typical home is worth $365,700 and typical rent is $2,255 a month. Compared with all of Williamson County, typical rent is 26% higher, the typical home value is 18% lower, and the share of households that own their home is 13 points higher.

WhatsApp

  • Typical home value

    $365,700

    18% below the county

    29% above Texas

    • Hutto
    • Williamson
    • Texas

  • Typical rent

    $2,255a month

    26% above the county

    61% above Texas

    • Hutto
    • Williamson
    • Texas

  • Typical household income

    $118,834a year

    7% above the county

    51% above Texas

    • Hutto
    • Williamson
    • Texas

  • Households that own their home

    80%

    13 points above the county

    17 points above Texas

    • Hutto
    • Williamson
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$328,297
6.7% less than 12 months ago
Typical rent
$1,725 a month
2.3% more than 12 months ago

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

Hutto is in Williamson County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Williamson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hutto apart

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

  1. Nearby, in Taylor, the typical rent is $1,074: 52% less than in Hutto ($2,255).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Hutto fell 6.7%; in Texas, it fell 1.4%.

  3. Nearby, in Taylor, the typical home value is $285,800: 22% less than in Hutto ($365,700).

  4. The typical rent in Hutto is $2,255 a month, 26% more than in Williamson County as a whole ($1,796).

  5. 80% of households in Hutto own their home, against 66% in Williamson County.

  6. The typical home in Hutto is worth $365,700, 18% less than in Williamson County as a whole ($447,000).

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

The homes here

Housing in Hutto

What homes there are in Hutto, 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

The detached house rules in Hutto: 93% of homes, more than in Williamson County (73%).

Year built

The typical home in Hutto was built in 2010, 4 years after the typical one in Williamson County.

There is more room for a big family here: 91% of homes have 3 bedrooms or more, against 72% in Williamson County.

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

$2,252 a month

Williamson County: $2,453 a month

Without a mortgage

$895 a month

Williamson County: $938 a month

Owners with a mortgage

87%

Williamson County: 70%

The typical cost for an owner with a mortgage in Hutto is $2,252 a month, less than in Williamson County ($2,453); without one, $895.

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

From 2015–2019 to 2020–2024, the typical home value in Hutto rose 89%; in Williamson County, it rose 70%.

The typical rent in Hutto rose 46% over the same time; in Williamson County, it rose 35%.

To compare: typical income in Hutto rose 51%; the home, +89%; the rent, +46%.

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

MeasureHuttoWilliamson CountyTexasUnited States
Rental vacancy Unreliable estimate4.2%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room Unreliable estimate2.8%4.8%3.4%
People per household 3.012.652.692.53
Drive alone 72%64%71%69%
Carpool 7%8%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 18%25%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Hutto are bigger: 3.01 people on average; in Williamson County, 2.65.

In Hutto, 72% of workers drive alone to work; in Williamson County, 64%.

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 Hutto?

A typical home is tight for the typical income

We start with a typical home in Hutto, worth $365,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Hutto, which is $118,834 a year. For that payment to be 28% of income, a household would need to earn about $142,006 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hutto. 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 $12,800 (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

$3,314

at 7.18% · 30 years

Loan amount
$359,076
Total interest
$516,626
Paid off in
November 2056

Includes $6,176 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,773 a month

  • Tight

    $2,773 to $3,565 a month

    Your payment · 33%

  • Hard

    more than $3,565 a month

Compared with the typical household income in Hutto ($118,834 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,314
Principal & interest$2,433
Property tax$567
Home insurance$152
FHA mortgage insurance (MIP)$162

You need at least $12,800 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

Hutto and Williamson County

Hutto is in Williamson 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).

Hutto's own numbers

Typical home value
$365,700
Typical monthly rent
$2,255
Typical yearly household income
$118,834
Households that own their home
80%
Effective property tax rate
1.86%

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

Numbers for all of Williamson County

FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
0.7%

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 Williamson County.

Everything about Williamson County

Buying

Buying a home in Hutto

A typical home in Hutto is worth $365,700: 18% below the county and 29% above Texas. With the typical household income in Hutto ($118,834 a year), a typical home costs 3.1 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.

  • Hutto 3.1 years
  • Williamson 4.0 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Williamson County

According to FHFA’s house price index, home prices in Williamson County rose 100% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −1.0% +0.8% +2.9%
5 years (2020–2025) +43% +44% +47%
10 years (2015–2025) +100% +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

Hutto next to Williamson 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
  • Hutto $365,700
  • Williamson $447,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Hutto $2,255
  • Williamson $1,796
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Hutto $118,834
  • Williamson $111,340
  • Texas $78,476
  • United States $80,734
See the full table
Hutto next to Williamson County and Texas
Measure Hutto Williamson County Texas U.S.
Typical home value $365,700 $447,000 $283,800 $332,700
Typical monthly rent $2,255 $1,796 $1,403 $1,413
Typical yearly household income $118,834 $111,340 $78,476 $80,734
Households that own their home 80% 66% 63% 65%
Typical yearly property tax $6,790 $7,205 $4,232 $3,119
Effective property tax rate 1.86% 1.61% 1.49% 0.94%
Renters with high rent for their income 42% 48% 52% 51%

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

For a typical $365,700 home in Hutto, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hutto's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,313a month

    Least cash to close
    Down payment
    $12,800
    Cash to close
    $23,771
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $162

  • Conventional, 5% down $3,246a month

    Down payment
    $18,285
    Cash to close
    $29,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $174

  • Conventional, 20% down, no PMI $2,701a month

    Down payment
    $73,140
    Cash to close
    $84,111
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,039a month

    Down payment
    $54,855
    Cash to close
    $65,826
    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 Hutto and for Williamson County.

Property tax

Effective rate in Hutto

1.86%of the home’s value each year

$6,790 a year for the typical owner in Hutto.

  • Hutto 1.86%
  • Williamson 1.61%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Williamson County

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

Homes in the high-risk zone
0.7%
1,291
Of those, with NFIP insurance
46%
County Texas U.S.
Homes in the high-risk zone 0.7% 4.1% 3.5%
Of those, with NFIP insurance 46% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hutto

Typical rent in Hutto is $2,255 a month: 26% above the county. In Hutto, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Williamson County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 an hour working full time.

HUD fair market rent for all of Williamson 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 $1,447 $27.83 $57,880
1 bedroom $1,530 $29.42 $61,200
2 bedrooms $1,817 $34.94 $72,680
3 bedrooms $2,292 $44.08 $91,680
4 bedrooms $2,689 $51.71 $107,560

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 Hutto

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hutto is in ZIP code 78634.

For 2 bedrooms it is $2,170: $353 more than the fair market rent for Williamson County ($1,817).

  • 78634 $2,170$2,740

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hutto 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?

Low-income apartments

Low-income apartments in Hutto

HUD lists one building with rents for lower incomes in Hutto.

  • Trails at Carmel Creek 300 Carl Stern Dr, Hutto 78634 61 homes, 50 low-income · In service since 2015

See all 53 buildings in Williamson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hutto

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 Williamson County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Hutto

No down payment, repair or rent-help program on our list is for Hutto or Williamson County. The ones below are statewide in Texas: they work in Hutto 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 Hutto

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

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 21 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (512) 385-1500

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (512) 912-9884

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    512-472-8788x122

All counseling agencies in Texas

Help in Spanish near Hutto

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 Hutto

In HUD’s record, no housing authority with an office in Williamson County is named for Hutto or Williamson County.

4 other authorities have an office in Williamson County: see the list Source: HUD

Cities

Other cities in Williamson County

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

Everything about Williamson County Housing in Texas

Nearby cities

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

Neighboring counties

If Williamson 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 Hutto.

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

Questions

Housing questions about Hutto

Short answers with the numbers for Hutto and all of Williamson 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 Hutto?

The typical home value in Hutto is $365,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Williamson County it is $447,000.

How much does it cost to rent in Hutto?

Typical rent in Hutto is $2,255 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Williamson County is $1,817.

What is the FHA loan limit in Hutto?

Hutto uses the FHA limit for all of Williamson County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.

How much property tax do owners pay in Hutto?

The typical homeowner in Hutto pays $6,790 a year, according to the U.S. Census Bureau. That is 1.86% of the home’s value; in Williamson County, the rate is 1.61%.

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

We found no HUD-approved counseling agencies with an office in Williamson County; the nearest ones are on this page. 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).