Cottle County, Texas home prices
Typical home $77,429 · +18.3% in a year · property tax 1.15%
The typical home in Cottle County is worth $77,429, 74% less than the Texas typical home ($296,424). Values changed +18.3% in the past year and — over five years. Homeowners here pay a median 1.15% of their home's value in property tax each year ($888 on the typical home), versus 1.32% statewide.
Mortgage on the typical Cottle County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $15,486 | $61,943 | $417 | $0 | $113 | $529 | $22,700 |
| 10% down | $7,743 | $69,686 | $469 | $29 | $113 | $611 | $26,200 |
| 5% down | $3,871 | $73,558 | $495 | $31 | $113 | $638 | $27,400 |
| 3.5% down (FHA) | $2,710 | $76,027 | $511 | $34 | $113 | $658 | $28,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.15% 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.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jim Hogg County | $78,647 | -7.1% | 0.97% |
| Collingsworth County | $84,832 | -2.4% | 1.26% |
| Foard County | $84,841 | -6.0% | 1.12% |
| Crosby County | $85,807 | +3.0% | 1.83% |
| Duval County | $86,206 | -10.6% | 1.28% |
| Floyd County | $86,253 | +1.4% | 1.24% |
| Hall County | $86,993 | +7.8% | 1.26% |
| Brooks County | $66,227 | -10.5% | 1.31% |
| Zavala County | $91,238 | +13.1% | 1.53% |
| Hardeman County | $63,138 | -14.0% | 1.04% |
Frequently asked questions
What is the average home price in Cottle County, TX?
The typical home value in Cottle County is $77,429 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cottle County?
About $22,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cottle County?
The median effective rate is 1.15% of home value a year (Census ACS 2024 5-year estimates).