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Hutto city, TX

ZIP 78634 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78634

Median Home Value
$334,200
Median Rent
$1,783
Affordability Snapshot
$92,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,147/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

15.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 78634 in Hutto city, TX, a household would need roughly $92,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,147. That sits below the local median household income ($111,227), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
78.0%+19% vs US avg
x
Vacancy Rate
2.5%-76% vs US avg
x
Broadband Access
96.2%+11% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
8.8%+27% vs US avg
x
Rent Burden >30%
11.3%-77% vs US avg
x
Mortgage-Free
17.7%-54% vs US avg
x
$334,200
Home Value
$1,783
Rent
2008
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached86.2%
  • 1-unit attached2.2%
  • 2-9 units1.8%
  • 10+ units6.0%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$334,200
Median rent$1,783
Owner-occupied78.0%
Vacant2.5%
Price-to-income3.0x
Est. income to buy$92,000