Hutto, TX vs. Georgetown, TX: Cost of Living Comparison (2025)
The Chambers family is debating a move to the Austin suburbs. Brett, a homeownership cost specialist, is comparing the cost of living in Hutto vs Georgetown to see which city fits their budget and lifestyle in 2025. This breakdown is perfect for anyone else weighing the real-life expenses of these two charming Texas towns.
Housing Costs
Housing is often the biggest factor in cost of living. Here’s how Hutto and Georgetown stack up for typical options:
| Housing Type | Hutto | Georgetown |
|---|---|---|
| 2BR Apartment Rent | $1,450 | $1,600 |
| 3BR Home Mortgage | $2,100 | $2,400 |
🏆 Winner: Hutto. A household moving from Georgetown to Hutto might save $300-400 per month on housing alone.
Utilities and Energy Costs
Utility bills are a sneaky expense that add up month after month. In Hutto, expect to pay around $180 for a typical family’s electricity, gas, water, and trash. Georgetown runs slightly higher at $200 monthly.
Both cities have similar climates, so summer A/C and winter heating needs are comparable. Hutto offers some off-peak savings programs that can help trim costs.
🏆 Winner: Hutto, but it’s close. You may save $20-30 per month in Hutto.
Groceries and Daily Expenses
For a family of four, a typical monthly grocery bill in Hutto hovers around $800. Prices are about 5% higher in Georgetown, so budget $840.
Eating out is a bit pricier in Georgetown too. A meal for two averages $50 vs $45 in Hutto. Daily goods and services also cost 3-5% more.
🏆 Winner: Hutto. The Chambers could pocket an extra $50+ on food and everyday items in Hutto.
Taxes and Fees
Hutto’s property tax rate is 2.2% vs Georgetown’s 2.5%. For a $350K home, that’s a difference of $1,050 per year. City service fees are comparable, but Hutto’s HOA fees often include extras like landscaping and trash pickup.
🏆 Winner: Hutto. Lower property taxes can mean big savings over time.
Cost Summary Table
| Category | Hutto | Georgetown |
|---|---|---|
| Housing | $2,100 | $2,400 |
| Utilities | $180 | $200 |
| Groceries | $800 | $840 |
| Transportation | $500 | $450 |
| Taxes | $583 | $729 |
| Misc | $400 | $450 |
| Estimated Monthly Total | $4,563 | $5,069 |
Note: All income and expense figures are expressed as gross monthly amounts (pre-tax).
Lifestyle Fit
Hutto offers a bit more space and small-town charm, while Georgetown has more walkability and public transit. Hutto is about 5°F warmer on average than Georgetown. Commutes are comparable.
Ultimately, Hutto provides more bang for the buck. But Georgetown’s extra amenities could be worth the premium for some.
FAQ
Is Hutto more affordable than Georgetown?
Yes, Hutto has a lower overall cost of living. Housing, utilities, food, and taxes are all cheaper in Hutto.
Which city has lower rent?
Hutto has lower average rent prices. A typical 2BR is around $150 less per month than in Georgetown.
Where is it cheaper to buy a home?
Hutto has lower home prices and property taxes. Mortgage payments on a 3BR average $300 less than Georgetown.
Conclusion
For the budget-conscious Chambers family, Hutto looks like the clear choice over Georgetown. They could save $400+ per month on core living costs while still enjoying a great quality of life.
Young professionals who value walkability and don’t mind paying a bit more may prefer Georgetown. But most cost-sensitive households will find their money goes further in Hutto.
Whichever city you choose, be sure to plan out your monthly budget carefully. Our Hutto cost of living guide can help. And if you need movers, check out our top 2025 picks.