Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$106,672+0.6% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 0% have cut their price
Income needed to buy, per year$23,124About 0.4× the local median income ($53,567): affordable for a typical household
Days on market98 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.5%Zillow expects prices to rise slightly
The typical home in Cotton County, OK is worth $106,672, up 0.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $95,168, so the area is 12.1% overvalued. It is a balanced market, leaning toward buyers: homes take about 98 days to sell, listings are up 18% from a year ago, 0% of listings have had a price cut. Zillow expects prices to rise about 3.5% over the next year. A household needs about $23,124 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $53,567. In the latest IRS figures, 9 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$106,672
Change in 1 year
+0.6%
Overvalued %
+12.1%
Show 7 more
Fair home value
$95,168
Change in 5 years
+26.6%
Zillow forecast, next 12 months
+3.5%
Home value to income
2.0×
Monthly mortgage payment (20% down)
$578
Income needed to afford it
$23,124
Property tax rate
0.74%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$916
Market activity
Listings vs a year ago
+17.6%
Days on market
98
Listings with a price cut
0.0%
Show 3 more
Homes for sale
20
Pending sales per 100 listings
40
Asking price per sq ft
$91
People and jobs
Median household income
$53,567
Population change (1 year)
−1.2%
Unemployment rate
3.5%
Show 4 more
Population
5,432
Income adjusted for cost of living
$62,360
Net moves in (IRS)
−9
Cost of living (US = 100)
85.9
Schools, risk and environment
School rating (1 to 10)
6.2
FEMA hazard risk score (0 to 100)
4.9
Unhealthy air days a year
0
Show 4 more
Flood risk score
6.5
Wildfire risk score
67.0
Walkability (1 to 20)
5.2
Road, rail and air noise
51 dB
Questions people ask
Is Cotton County, OK overvalued?
Home prices in Cotton County, OK are well above what local incomes have historically supported: fair value is about $95,168, so the area is 12.1% overvalued.
Is Cotton County, OK a buyer's or seller's market?
Cotton County, OK is a balanced market, leaning toward buyers: homes take about 98 days to sell, listings are up 18% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Cotton County, OK?
Home values in Cotton County, OK are up 0.6% over the last year. Zillow's forecast for the next 12 months is +3.5%.
How much do you need to earn to buy a home in Cotton County, OK?
A household needs about $23,124 a year to afford the typical home in Cotton County, OK at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $53,567.