Hutto is considered moderately affordable in 2025, with average rent for a 2-bedroom apartment around $1,700 and utility costs slightly below the national average.
In 2025, the median home price in Hutto is $385,000, requiring a household income of roughly $7,500 per month to live comfortably while covering housing, utilities, groceries, and other essentials.
Housing Costs in Hutto
Hutto offers a mix of housing options, from newer master-planned communities to established neighborhoods with mature trees. Typical rent for a 2-bedroom apartment ranges from $1,600 to $1,800 per month, while a 3-bedroom single-family home averages $2,200 to $2,600 monthly.
Buying a home in Hutto requires budgeting for a 10-20% down payment plus closing costs. A 3-bedroom, 2-bathroom house sells for $350,000 to $420,000, translating to a monthly mortgage of approximately $2,000 to $2,400 (assuming a 30-year fixed loan with 20% down).
Some key neighborhood differences:
- Glenwood: Older homes from the 1990s-2000s, prices from $280K-$350K
- Hutto Highlands: Newer builds from 2010+, prices from $350K-$450K+
- Riverwalk: Master-planned golf community, prices from $400K-$600K+
HOA fees are common in Hutto’s newer subdivisions, typically adding $30 to $100 per month. Older neighborhoods usually have lower or no HOA dues.
Utilities and Energy Bills
Hutto residents pay around $150 to $250 monthly for basic utilities like electricity, water, and gas. Prices fluctuate seasonally, with summer electric bills rising to offset cooling costs. Expect to budget up to $300/month for a 2,000 square foot home in July and August.
| Utility | Typical Monthly Cost |
|---|---|
| Electricity | $100 – $200 |
| Water + Sewer | $60 – $80 |
| Natural Gas | $30 – $50 |
| Trash/Recycling | $20 – $30 |
Groceries and Daily Expenses
Hutto residents spend around $350 to $500 per person monthly on groceries and dining out. A gallon of milk costs about $3.50, while a loaf of bread is $2.80. Buying in bulk at stores like Costco or Sam’s Club can provide 20-30% savings.
A typical “basket” for a couple might include:
- Grocery staples (milk, eggs, bread, produce): $250
- Household items (toiletries, cleaning supplies): $50
- Dining out (4-6 casual meals): $200
Expect to budget $500 to $800 monthly for a couple’s groceries and basic shopping needs in Hutto.
Taxes and Fees
Hutto’s property tax rate is 2.54%, slightly higher than the national average of 1.1%. For a $385,000 home, annual property taxes would be approximately $9,800 or $817 per month.
Texas has no state income tax, but sales tax in Hutto is 8.25%, combining state, county and city rates. Vehicle registration fees are $50-$90 annually, depending on the type of vehicle.
| Fee Type | Rate |
|---|---|
| Property Tax | 2.54% |
| Sales Tax | 8.25% |
| Vehicle Registration | $50 – $90 annually |
Monthly Cost Summary
| Household | Gross Income Needed | Typical Monthly Expenses |
|---|---|---|
| Single Adult | $4,000 – $5,000 | $2,800 – $3,500 |
| Couple | $6,000 – $7,500 | $4,200 – $5,200 |
| Family of 4 | $8,500 – $10,000 | $6,000 – $7,000 |
Note: Figures are estimates based on average costs in Hutto. Actual budgets vary based on lifestyle, housing choices, and income.
Lifestyle Considerations
Living in Hutto offers a balance of affordability and amenities. Residents enjoy a small-town feel with convenient access to Austin’s job centers and attractions. Commute times to downtown Austin average 35-45 minutes.
Hutto is known for its highly-rated schools, community parks, and safe neighborhoods. Homes are generally newer and more spacious compared to central Austin. However, tradeoffs include fewer walkable areas and limited public transit.
For budget-conscious households, choosing an older home or downsizing to a townhome/condo can make Hutto very affordable while still providing access to good schools and suburban amenities. Newer master-planned communities come at a premium but offer resort-style pools, trails, and newer construction.
When planning a move, factor in both upfront and long-term costs to find the right fit for your lifestyle and budget in Hutto.
Frequently Asked Questions
What salary do you need to live in Hutto?
To live comfortably in Hutto, aim for a gross monthly income of at least $4,000 for a single adult, $6,000 for a couple, or $8,500 for a family of four.
Is Hutto more affordable than Austin?
Yes, Hutto is generally 10-20% more affordable than Austin, thanks to lower housing costs, while still being within commuting distance.
Are property taxes high in Hutto?
Hutto’s 2.54% property tax rate is higher than the U.S. average but on par with most Austin suburbs. Budget about $800/month in property taxes for a $385K home.
How much are utilities in Hutto?
Expect to pay $150 to $250 per month for basic utilities in Hutto, such as electricity, water, gas, and trash. Summer electric bills may peak around $300.
What is the average rent in Hutto?
As of 2025, average rent in Hutto is $1,600 to $1,800 for a 2-bedroom apartment or $2,200 to $2,600 for a 3-bedroom single-family home.
Is Hutto a good place to buy a home?
Hutto can be a smart choice for homebuyers seeking affordability, good schools, and newer homes, with prices 15-25% lower than central Austin.
What is the median household income in Hutto?
Hutto’s median household income is around $105,000 as of 2025, slightly higher than the Austin metro median of $98,000.