Hutchinson County, Texas home prices
Typical home $118,561 · +2.1% in a year · property tax 1.35%
The typical home in Hutchinson County is worth $118,561, 60% less than the Texas typical home ($296,424). Values changed +2.1% in the past year and +0.1% over five years. Homeowners here pay a median 1.35% of their home's value in property tax each year ($1,595 on the typical home), versus 1.32% statewide.
Mortgage on the typical Hutchinson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $23,712 | $94,849 | $638 | $0 | $192 | $830 | $35,600 |
| 10% down | $11,856 | $106,705 | $718 | $44 | $192 | $954 | $40,900 |
| 5% down | $5,928 | $112,633 | $758 | $47 | $192 | $997 | $42,700 |
| 3.5% down (FHA) | $4,150 | $116,413 | $783 | $52 | $192 | $1,028 | $44,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.35% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Texas · part of the Borger metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Motley County | $118,731 | +9.1% | 1.03% |
| Kinney County | $118,224 | +0.2% | 1.41% |
| Lipscomb County | $118,196 | +2.7% | 1.41% |
| Hale County | $119,100 | -3.4% | 1.31% |
| Upton County | $120,180 | +6.4% | 1.08% |
| Nolan County | $120,201 | +7.7% | 1.53% |
| La Salle County | $120,225 | -8.5% | 1.47% |
| Terry County | $121,439 | -1.4% | 1.69% |
| Garza County | $121,629 | +2.0% | 1.57% |
| Zapata County | $121,665 | -5.8% | 0.95% |
Frequently asked questions
What is the average home price in Hutchinson County, TX?
The typical home value in Hutchinson County is $118,561 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hutchinson County?
About $35,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hutchinson County?
The median effective rate is 1.35% of home value a year (Census ACS 2024 5-year estimates).