Hutto, Texas.
Typical home $328,297 (-6.7% in a year), asking rent $1,725 (+2.3%). Austin-Round Rock-Georgetown, TX metro.
to buy the typical home at today's mortgage rate — +$796 (+86%) since Jan 2020.
- 1 year
- Down $23,533 -7%
- $351,830$328,297 since Sep 2025
- 5 years
- Down $53,260 -14%
- $381,557$328,297 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Hutto$1,723
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Hutto, TX fell 6.7% over the past year — slower than the nation's +1.2%.
Asking rents in Hutto, TX rose 2.3% over the past year — slower than the nation's +2.7%.
Owning the typical home in Hutto runs $790/mo more than renting one. The gap peaked at $1,395 in Oct 2022.
That is $2,516 a month against $1,725 rent: a $1,723 mortgage payment, plus $441 property tax and $351 insurance & upkeep.
Owning vs renting — Hutto
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,516
- Renting$1,725
- Mortgage only$1,723
Property tax · $441/mo 1.61% of value a year — the ACS 2020-2024 median bill over the median home value for Williamson County, TX
Insurance & upkeep · $351/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Hutto, Williamson County, Texas
Hutto is a city of 27,577 people in Williamson County. Half its households earn more than $118,834 a year and half less, against $111,340 across Williamson County; 6% of its people live below the poverty line. 80% of its homes are lived in by their owners and 20% are rented. Unemployment in Hutto was 3.8% in August 2026, and Williamson County had 2.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Hutto is a city in Williamson County where most homes are lived in by their owners, and the population is on the younger side. Household incomes run above the county's, and fewer people live below the poverty line than in many places. Winters are mild, summers are hot, and snow is rare, with a fair amount of rain through the year.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in shops, and in banking, insurance and property. Hutto ISD is the largest workplace in town, and local building trades such as F. L. Crane & Sons Hutto and The Cook and Boardman Group are also among the biggest. A good number of people work from home, and the typical commute is a fairly long one.
Things to do. Dell Diamond, a stadium, and Inner Space Cavern, a tourist attraction, are both a short drive away. For a longer trip, Circuit of the Americas, a race track, and the Lyndon Baines Johnson Library and Museum are a longer drive away.
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- 11,778households
- 36%of adults have a degree
- 6%below the poverty line
- 29 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. Williamson County had 238,420 jobs in 2025, 2.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 61° and lows near 37°; warmest in August, with highs near 97° and lows near 73°. About 37 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Taylor 1NW weather station, 8 miles away (NOAA).
Largest workplaces in Hutto
- Hutto ISDSchool district1,406FTE
- F. L. Crane & Sons HuttoDrywall contractors163
- The Cook and Boardman GroupFinish carpentry contractors134
- Lowe's Companies, INCHomecenter121
- Hutto South WWTP95
- Kinney's CommericalProcess piping installation73
- Western IndustriesPacking crates, wood, manufacturing66
- A.R. MachiningMachine shops45
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 11 workplaces with 20 or more staff, 821 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailRelatively high
- Winter weatherRelatively high
- Cold wavesRelatively moderate
- TornadoesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Hutto’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Williamson County and the Austin-Round Rock-Georgetown, TX metro.
Hutto home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Hutto$328,297
- Texas$296,424
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Hutto listings, and the typical home goes pending in 53 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Hutto38.07%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Hutto53
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Hutto406
New listings per month
Sellers arriving at the market.
- Hutto88
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Hutto$318,603
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Hutto98.32%
Zip codes with a Hutto address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Hutto — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.