RentData

Average Rent in Cotton County, OK Rents rising 2.1% YoY🔻 3rd cheapest in OK

HUD FY2025 · Official government data · Updated annually · Metro pop. 5,475

Data review: HUD FY2025Sources: HUD, Zillow, Census, BLSMethodologyEditorial standardsReport a correction

Market Overview

Cotton County, OK has rental prices ranging from $706/month to $1,206/month in 2025, depending on unit size. The typical 1-bedroom apartment rents for $711/month — 49% below the national average of $1,400/month. With a median household income of $60,313/year, spending $711/month on a 1-bedroom represents 14% of gross income — within the recommended 30% threshold.

How Cotton County Compares

With an average 2-bedroom rent of $910/month, Cotton County ranks #68 most expensive of the 70 cities tracked in Oklahoma — more affordable than 68% of all US cities in our data.

The Cotton County Rental Market

The Cotton County, OK area has a population of about 5,475 and 20% of households renting rather than owning. That renter share runs below the US average of ~34%, a more homeowner-heavy market where rental inventory can be limited.

Rent Trends

2-bedroom rents in Cotton County, OK have risen by $19/month (2.1%) over the past year, from $891 to $910. This modest growth is consistent with broader inflationary trends seen across US rental markets.

Affordability

To afford a 1-bedroom apartment in Cotton County, OK without exceeding the 30% housing cost guideline, a renter needs an annual income of approximately $28,440. The local median household income of $60,313 exceeds that threshold by $31,873, making Cotton County relatively accessible compared to local wages.

Economy & Jobs

Cotton County, OK has an unemployment rate of 4.3%, 0.4 percentage points above the national average of 3.9%. A higher unemployment rate can moderate rental demand over time, which may help keep rent growth in check compared to tighter job markets.

Fair Market Rents

HUD FY2025
Studio
$706
Affordable
1 Bedroom
$711
Affordable
2 Bedrooms
$910
2.1% YoY
Affordable
3 Bedrooms
$1,096
Affordable
4 Bedrooms
$1,206
Affordable
🔔
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Is Cotton County, OK Affordable?

Income needed to rent or buy, price history, and how this city compares to nearby metros.

Affordability Index(30% income rule)

To rent a 2BR
$36,400/year
Local median income: $60,313
To buy a median home
/year
US national median: $75,000
💡 Based on a 2BR rent of $910/month and 20% down on a home at 7% rate.

Nearby Cities in OKlargest metros in the state

CityStudio1BR2BR3BRHome Value
Oklahoma City$886$961$1,180$1,575
Tulsa$890$950$1,179$1,555
Lawton$745$750$962$1,348
Payne County$767$822$1,014$1,421
Pottawatomie County$642$713$936$1,242
Muskogee County$707$712$934$1,170

Rent or Buy in Cotton County?

Break-even analysis and mortgage estimates based on local market data.

Should I Rent or Buy?

Break-even analysis using real Cotton County data

$
Home Value
$350,000
2BR Rent
$910/mo
Mortgage Rate
7%
Monthly P&I
$1,863/mo
🏢 Rent

Renting appears to be the better financial choice for this scenario.

Total monthly buy cost: $2,577/movs rent: $910/mo
Estimates only. Excludes HOA, PMI (if <20% down), closing costs, and tax benefits. Assumes 5% return on invested down payment.

Living in Cotton County

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Frequently Asked Questions

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🏘️Neighborhoods in Cotton County

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💵Rent Affordability in Cotton County

Salary needed to afford rent here

🗺️All Cities in OK

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⚖️Compare Cotton County

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📋OK Tenant Rights

Deposit limits, eviction laws & renters protections