What are current refinance rates in Cottle County?

Today's refinance rates in Cottle County start at 7.625% for qualified borrowers. Rates are updated daily using live investor pricing data from Safe Rate's pricing engine.

Mortgage Refinance Rates — who qualifies in Cottle County?

Rate/term and cash-out refinance options including FHA Streamline and VA IRRRL. Updated daily.

What are current mortgage rates in Cottle County?

As of today, a standard conventional rate in Cottle County is 7.625% (APR 8.036%) for a 30-year fixed loan. This assumes a 20% down payment and a 740+ credit score. Rates are updated daily using Safe Rate's live pricing engine.

How much does a home cost in Cottle County?

The average home value in Cottle County is $59,300. At a 1.0x price-to-income ratio, affordability remains reasonable compared to many U.S. markets.

What is the typical monthly mortgage payment in Cottle County?

Based on the average home value with a standard conventional loan, the estimated principal and interest payment is $345/mo. Total PITI costs will also include property taxes ($680/yr locally), homeowners insurance (est. $110/mo), and any applicable mortgage insurance.

How do I qualify for a mortgage?

Conventional loans typically require a 620+ credit score and 3–20% down. With 20% down you avoid PMI. FHA loans are available with as little as 3.5% down and a 580+ credit score. VA loans offer 0% down for eligible veterans. Requirements vary by loan program. Contact a licensed loan officer for guidance specific to your situation.

How are these mortgage rates calculated?

Safe Rate's pricing engine ingests live investor rate sheets daily and calculates the best available rate for each scenario based on Cottle County's median home value, local loan limits, and FHFA market data. Rates shown represent the most competitive offer available for each scenario, not a rate lock or commitment.

Safe Rate Local

Mortgage Rates in Cottle County, TX

7.625%APR 8.036% · $345/mo (20% Down)

Updated daily · May 22, 20260.000% (14d)

Safe Rate Choice20% Down Conv.

← Back to Cottle County Hub

14-Day Rate Trend

↓ 0.000%

LO 7.625%HI 7.625%TODAY 7.625%

Product	Key Attributes	Rate / APR ↑	Mo. Payment ↕	Points
15-Year Refi 15-year fixed refinance	0% Down740 FICO15-yr	7.125% 7.545% APR	$453 Principal & Interest	$0 Points
Cash-Out Refi Conventional cash-out refinance	0% Down740 FICO30-yr	7.625% 8.202% APR	$345 Principal & Interest	$0 Points
Rate/Term Refi Conventional rate/term refinance	0% Down740 FICO30-yr	7.625% 7.987% APR	$354 Principal & Interest	$0 Points

Mortgage Rates in Cottle County: Local Market Snapshot

Median Home Value

$59,300

2-Yr Appreciation

—

Median Income

$59,063

household

Price-to-Income

1.0x

within reach

Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Cottle County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.

Frequently Asked Questions

Market Snapshot

FIPS 48101

Average Home Value: $59,300
Average Rent: $264/mo
Average Income: $59,063
Property Tax: $680/yr
Avg Loan: $50,000
Avg LTV: 82.0%

Estimated Insurance

Homeowners Insurance

HO-3 policy · covers dwelling, property & liability

$110/mo

Flood Insurance$9/mo

Risk TierVery High

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Cottle County Hub Cost of Living Flood Risk & Insurance

Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.