Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$77,429+18.3% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 0% have cut their price
Income needed to buy, per year$16,785About 0.3× the local median income ($57,388): affordable for a typical household
Days on market95 daysFaster than a year ago: sellers have the edge
The typical home in Cottle County, TX is worth $77,429, up 18.3% from a year ago. It is a balanced market, leaning toward sellers: homes take about 95 days to sell, listings are up 100% from a year ago, 0% of listings have had a price cut. A household needs about $16,785 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 $57,388. In the latest IRS figures, 5 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
$77,429
Change in 1 year
+18.3%
Home value to income
1.3×
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Monthly mortgage payment (20% down)
$420
Income needed to afford it
$16,785
Property tax rate
1.15%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,078
Market activity
Listings vs a year ago
+100.0%
Days on market
95
Listings with a price cut
0.0%
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Homes for sale
4
Pending sales per 100 listings
50
Asking price per sq ft
$133
People and jobs
Median household income
$57,388
Population change (1 year)
−3.4%
Unemployment rate
12.6%
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Population
1,224
Income adjusted for cost of living
$65,362
Net moves in (IRS)
−5
Cost of living (US = 100)
87.8
Schools, risk and environment
School rating (1 to 10)
3.0
FEMA hazard risk score (0 to 100)
12.5
Flood risk score
1.5
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Wildfire risk score
62.9
Walkability (1 to 20)
8.2
Road, rail and air noise
53 dB
Questions people ask
Is Cottle County, TX a buyer's or seller's market?
Cottle County, TX is a balanced market, leaning toward sellers: homes take about 95 days to sell, listings are up 100% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Cottle County, TX?
Home values in Cottle County, TX are up 18.3% over the last year.
How much do you need to earn to buy a home in Cottle County, TX?
A household needs about $16,785 a year to afford the typical home in Cottle County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,388.