Cost of Living in Cottle County, Texas
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Cottle County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Cottle County ranks #473 of 3,144 counties for affordability (top 15%)
Data Story
About Cost of Living in Cottle County, Texas
Cottle stands out for extreme affordability
Cottle County's rent-to-income ratio of just 6.6% is dramatically lower than the U.S. standard, meaning renters here dedicate less than one-tenth the income share to housing compared to typical American households. This rural county offers some of Texas's most affordable rental housing in the nation.
Texas's most affordable county ranks
Cottle County's 6.6% rent-to-income ratio sits far below Texas's 18.1% state average, making it one of the most affordable counties in the entire state. The median rent of just $323 per month is 66.5% below the state median of $963.
Dramatically cheaper than surrounding areas
Cottle's median rent of $323 is less than one-third of nearby Cooke County ($1,088) and Coryell County ($1,120), and one-half of Crane County ($883). This extreme affordability gap reflects Cottle's remote rural character and limited housing demand.
Housing barely touches household budgets
With a median household income of $58,819 and median rent of just $323, Cottle County residents allocate only 6.6% of gross income to rent—the lowest burden in this comparison. Owner costs of $447 per month represent similarly modest housing expenses for homebuyers.
Cottle offers unbeatable housing deals
If affordability is your top priority and you can embrace rural isolation, Cottle County delivers median home values of $54,100 and rents under $350. However, verify employment and services availability before committing, as the tradeoff for cheap housing is limited job markets and amenities.
Cost of Living Advisory: Cottle County
Affordability Verdict
Housing in Cottle County is affordable. The median rent is $323/month against a median household income of $58,819, putting rent at 6.6% of income.
Rent vs. Own
At $323/month rent versus $447/month in owner costs, renting is roughly $124/month cheaper — a 28% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $12,920/year. For owner costs at the 28% rule, the required income is roughly $19,157/year. With a median household income of $58,819, most households can comfortably afford rent here. Notably, 21.0% of renter households in Cottle County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Texas, Cottle County is less affordable than Presidio County by roughly 27% ($323/mo vs $445/mo).
Affordability Calculator
See how your income compares to housing costs in Cottle County
Rent Burden
6.6%
of gross income
Max Housing (28% Rule)
$1,372
per month
Owner Cost Burden
9.1%
of gross income
You can likely afford the median home in Cottle County
Median home value is $54,100. Estimated monthly cost: $432 vs. your max of $1,372.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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