Cooke County, Texas home prices
Typical home $318,246 · -0.8% in a year · property tax 1.19%
The typical home in Cooke County is worth $318,246, 7% more than the Texas typical home ($296,424). Values changed -0.8% in the past year and +14.6% over five years. Homeowners here pay a median 1.19% of their home's value in property tax each year ($3,791 on the typical home), versus 1.32% statewide.
Mortgage on the typical Cooke County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,649 | $254,597 | $1,713 | $0 | $475 | $2,188 | $93,800 |
| 10% down | $31,825 | $286,422 | $1,927 | $119 | $475 | $2,521 | $108,100 |
| 5% down | $15,912 | $302,334 | $2,034 | $126 | $475 | $2,635 | $112,900 |
| 3.5% down (FHA) | $11,139 | $312,482 | $2,102 | $141 | $475 | $2,718 | $116,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.19% 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 Gainesville metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Tarrant County | $318,481 | -0.8% | 1.65% |
| Medina County | $317,400 | -2.3% | 1.32% |
| Galveston County | $316,541 | -1.1% | 1.41% |
| Brazoria County | $323,788 | -1.3% | 1.66% |
| Franklin County | $311,993 | +2.6% | 0.89% |
| Lampasas County | $311,545 | +1.9% | 1.17% |
| Brazos County | $310,538 | -0.2% | 1.54% |
| Bandera County | $328,128 | -2.5% | 0.88% |
| Midland County | $329,884 | +1.7% | 1.23% |
| Dallas County | $304,821 | -1.6% | 1.58% |
Frequently asked questions
What is the average home price in Cooke County, TX?
The typical home value in Cooke County is $318,246 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cooke County?
About $93,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cooke County?
The median effective rate is 1.19% of home value a year (Census ACS 2024 5-year estimates).