Cotton County, Oklahoma home prices
Typical home $106,672 · +0.6% in a year · property tax 0.74%
The typical home in Cotton County is worth $106,672, 52% less than the Oklahoma typical home ($220,801). Values changed +0.6% in the past year and +26.6% over five years. Homeowners here pay a median 0.74% of their home's value in property tax each year ($787 on the typical home), versus 0.76% statewide.
Mortgage on the typical Cotton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $21,334 | $85,338 | $574 | $0 | $119 | $693 | $29,700 |
| 10% down | $10,667 | $96,005 | $646 | $40 | $119 | $805 | $34,500 |
| 5% down | $5,334 | $101,339 | $682 | $42 | $119 | $843 | $36,100 |
| 3.5% down (FHA) | $3,734 | $104,740 | $705 | $47 | $119 | $871 | $37,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.74% 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 Oklahoma · part of the Lawton metro area.
Oklahoma counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Caddo County | $107,084 | +6.0% | 0.54% |
| Washita County | $107,292 | +2.7% | 0.52% |
| Blaine County | $101,516 | +0.8% | 0.58% |
| Grant County | $112,269 | +5.0% | 0.49% |
| Ellis County | $100,841 | +0.7% | 0.74% |
| Hughes County | $113,391 | +5.6% | 0.6% |
| Jackson County | $114,643 | +3.6% | 0.59% |
| Jefferson County | $97,685 | +5.3% | 0.63% |
| Woods County | $115,954 | +6.9% | 0.58% |
| Kay County | $115,975 | +4.3% | 0.66% |
Frequently asked questions
What is the average home price in Cotton County, OK?
The typical home value in Cotton County is $106,672 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cotton County?
About $29,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cotton County?
The median effective rate is 0.74% of home value a year (Census ACS 2024 5-year estimates).