Hutto Entry-Level Homes: Can You Afford One in October?

Can a buyer afford an entry-level home in Hutto right now? The median price for the bottom quartile of sales is $319,900 across 93 closed sales in September. At a 7.4% rate from the Freddie Mac survey dated Oct 8, 2026, a buyer with 20% down would face a principal-and-interest payment of $1,772 per month on that median price. ALEX Intelligence applied a standard affordability model using the median entry-level price, current mortgage rates, and a 20% down payment to estimate monthly costs for buyers in this tier. The calculation assumes a 30-year fixed loan and includes only principal and interest; taxes, insurance, and HOA fees are not included. Compared to September last year, the median entry-level price is down 6.5%, while the number of sales in that tier rose 52.5%. However, days on market for these homes have increased 31.1% compared to last year, suggesting buyers have more time to negotiate. The share of deals closing below original list dropped 13.3% from a year ago, indicating slightly firmer pricing at the entry level. For those looking at subdivisions, Winfield Park and Firefly Pointe show strong activity with median close prices near $282,000 and $281,000 respectively. These figures represent ALEX Intelligence estimates based on current market data and are not appraisals. Buyers should verify exact payment amounts with a lender given individual credit profiles and property-specific costs. Want first look at Hutto homes? Get new listings sent to you the day they appear. Data from Unlock MLS. Information deemed reliable but not guaranteed. Model outputs are ALEX Intelligence estimates, not appraisals. Read more Central Texas market data on the ALEX blog: https://alex-companies.com/blog MIT, Nvidia, Google & IBM-Trained. Cross Domain-Expert: Quantum, AI, Ethics, Sovereignty, Intelligence, Philanthropy. Solepoint Planning. VUI AI Cloud Architect. AI Certifications Development. Quant/AI Instructor. Castor Venture Club Member. Associate Broker. George Arnold Alexander III, MPA Director, ALEX Companies Associate Broker, Alexander Tiffany Southwest, LLC dba ALEX.realestate, et.al. Texas License #574878-B · Broker License #565194-BB Broker, ALEX Real Estate · North Carolina License #367733 Independent Broker, ALEX Real Estate · Colorado License #II.100112456 [email protected] · +1 713.918.9951

#	Subdivision	City	Activity	New listings	Contracts	Closed	Median sale
1	Winfield ParkHutto	Hutto	178	85	63	30	$282,000
2	Firefly PointeHutto	Hutto	142	66	39	37	$281,000
3	Prairie WindsHutto	Hutto	127	44	35	48	$367,000
4	FloraHutto	Hutto	120	38	38	44	$380,000
5	Cotton BrookHutto	Hutto	97	43	26	28	$371,000
6	Emory CrossingHutto	Hutto	72	37	17	18	$358,000
7	Star RanchHutto	Hutto	50	24	13	13	$386,000
8	Rolling GlenHutto	Hutto	45	18	16	11	$366,000
9	Legends HuttoHutto	Hutto	35	10	10	15	$312,000
10	Heritage MillHutto	Hutto	33	13	13	7	$290,000

Top 10 Most Active Subdivisions: Hutto