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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Hutchins, TX Housing Affordability Index

Hutchins, Texas has an MBR Housing Affordability Index score of 83.7 (Moderately Less Affordable) as of October 30, 2026, ranking 1180th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $235,200 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $1,289, or 32% of the city’s $47,829 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Hutchins is updated every night from live Texas mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Hutchins MBR-HAI 83.7 Moderately Less Affordable
Rank in Texas 1,180 of 1,229 1 = most affordable
Texas 99.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.29% Texas lenders
Median home value $235,200 U.S. Census Bureau

Hutchins is 15.5 points below the Texas score. Scores as of October 30, 2026. See the Texas index

View Hutchins Mortgage Rates

What It Takes to Buy in Hutchins

$1,289/mo
Principal & Interest
Median home, 20% down, 7.29%
$55,300
Income Needed
To keep the payment at 28% of income
$47,829
Median Household Income
Texas: $78,476
4.9x
Price-to-Income Ratio
Texas: 3.6x
$1,068/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,111/yr
Median Property Tax
1.32% of median value
60.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
66.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Hutchins, Texas. The rate is the Texas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Hutchins Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Hutchins, Texas score: 83.7 (Moderately Less Affordable), ranked 1,180 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/hutchins”