Hutto, TX—78634
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Hutto, TX
As of Oct '25, the median home price in Hutto, TX is $344,000, with a year-over-year change of -4.3%. This indicates that home prices in Hutto, TX are decreasing. According to Zillow, the 1-year price projection is -2.4%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $344,000 | -4.3% |
| Single Family | $344,000 | -4.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $315,000 | -5.4% |
4 Bed | $362,000 | -4.0% |
| 5 Bed | $428,000 | -3.6% |
% of Housing Stock
Rental Trends — Hutto, TX
As of July '25, Rentcast reports the average rent in Hutto, TX is $2,050, with a year-over-year rent change of -6.8%. Per bedroom, the median rent as of July '25 in Hutto, TX is studios: $1,120, 1-bedrooms: $1,150, 2-bedrooms: $1,540, 3-bedrooms: $2,030, 4-bedrooms: $2,220. The most common rental property sizes in Hutto, TX are 3-bedroom and 1-bedroom, accounting for 46.7% and 21.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,050 | $2,050 |
| Studio Rent | $1,150 | $1,120 |
| 1 Bed Rent | $1,100 | $1,150 |
| 2 Bed Rent | $1,500 | $1,540 |
| 3 Bed Rent | $1,970 | $2,030 |
| 4 Bed Rent | $2,200 | $2,220 |
% of Rental Stock
Property Listings — Hutto, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Hutto, TX is 72. This is a increase of 17.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 30.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $367,000 | -6.0% |
Listing Count | 331 | 22.0% |
| Listings as % of Homes | 1.2% | 22.0% |
Days on Market | 72 | 17.0% |
Demographics — Hutto, TX
As of the latest ACS Survey released in 2023, Hutto, TX has a population of 43,500, which has increased by 40.5% over the past 5 years. Hutto, TX is a popular place for families, as children make up 25.4% of the population. The area has a moderately educated workforce, with 35.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 43,500 | 40.5% |
% Under 18 | 25.4% | -16.2% |
% Seniors | 8.0% | 60.0% |
% WFH | 16.4% | 131.0% |
% w/ College Degree | 35.0% | 24.6% |
As of the latest ACS Survey released in 2023, Hutto, TX is a predominantly white area, with 49.8% of the population identifying as white. The white population has shrunk by 6.7% in the last 5 years. The second most common race or ethnicity in Hutto, TX is hispanic, making up 34.5% of the population. Foreign-born residents account for 12.9% of the population in Hutto, TX, and this percentage has increased by 44.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 49.8% | -6.7% |
% Black | 9.0% | -31.3% |
% Hispanic | 34.5% | 16.9% |
% Asian | 1.6% | 6.7% |
% Foreign Born | 12.9% | 44.9% |
Mortgage and Risk — Hutto, TX
According to HUD data as of 2023, there were 2149 mortgage originations in Hutto, TX, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 80.0%, with 51.0% above 90% LTV (very high). This implies large mortgage risk in Hutto, TX. Investor activity is low, as 6.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 2,149 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 6.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Hutto, TX
As of 2024, the percent of homes in Hutto, TX under the Section 8 program is 0.8%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Hutto, TX, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 42 |
Total Units Section 8 | 42 |
% Rentals under Section 8 | 0.8% |
% Occupied Section 8 | 90.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $860 | $1,100 | $1,960 |
| 2 Bedroom | $820 | $1,500 | $2,320 |
| 3 Bedroom | $990 | $1,970 | $2,960 |
| 4 Bedroom | $1,230 | $2,200 | $3,430 |
Affordability — Hutto, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.6 |
| Median Home Price | $344,000 |
| Median Household Income | $111,000 |