One of the most buildable counties in North Texas. USDA Rural eligible, no zoning restrictions, and affordable land.
📊79/100AcreScore
💰$3KLand $/acre
🏠$48KHome Value
👥1,398Population
📈+-8.5%Growth (10yr)
🌊3%Flood RiskLow
🌡️Warm DryClimateZone 3B
🏗️ Can You Build Here?
Texas has no state building code — regulations are county-level. Cottle County has no formal zoning ordinance, meaning most rural land can be used for residential construction including barndominiums without special permits beyond standard building codes.
Zone
Min Lot
Barndo OK?
Unzoned
None
✅ Yes
Cottle County has no formal zoning ordinance. Standard building permits still required. Contact the county building department for specifics.
📋 What Permits Do You Need?
Tennessee allows owner-builders to act as their own general contractor for personal residences. Licensed subs needed for electrical, plumbing, and HVAC.
Required Permits
• Building permit (residential)
• Septic permit (if no public sewer)
• Electrical permit
• Plumbing permit
Permit Office
Cottle County Building Department
Paducah, TX
Contact county clerk for current hours and requirements
🌊 What's the Flood & Soil Risk?
Very low flood risk. Only 3% of Cottle County land falls within FEMA-designated flood zones — well below the national average.
3%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability
Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey
💰 What Does It Cost?
Extremely affordable. Median land prices around $2,500 per acre make Cottle County one of the most budget-friendly options in Texas.
$3K
Median $/acre
$48K
Median Home Value
$120–200
Build Cost $/sqft
1.48%
Property Tax Rate
Source: U.S. Census Bureau ACS 2024, Cottle County Assessor
🏔️ Why People Love Living Here
Cottle County sits in the heart of North Texas. Lubbock is 120 min away. No state income tax means your dollar stretches further here than in most states.
💰
No State Income Tax
Texas has no state income tax. Combined with below-average property taxes at 1.48%, your money works harder here.
🏗️
Affordable Land
Median land at $2,500/acre means you can buy more, build bigger, and still stay under budget.
🔨
Build Freedom
No formal zoning means you can build your barndominium, shop, or homestead without jumping through bureaucratic hoops.
At a Glance
Population1,398
10-Year Growth-8.5%
County SeatPaducah
State Income TaxNone
ClimateWarm Dry (Zone 3B)
How Close Is Everything?
Lubbock120 min
LBB125 min
Austinvaries
💧 Utilities & Infrastructure
Most rural Cottle County land uses well water and septic systems. Municipal utilities are available near Paducah. Check with local utility providers for your specific parcel.
Electric ProviderLocal Co-op / TXU
WaterWell or Municipal
SewerSeptic (most rural)
InternetVaries by location
Cell CoverageVariable
Natural GasPropane common in rural areas
🏦 Financing & Incentives
Cottle County qualifies for USDA Rural Development loans — zero-down-payment financing for eligible buyers in most areas.
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❓ Frequently Asked Questions
Can I build a barndominium in Cottle County?
Yes. Cottle County has no formal zoning ordinance. You'll still need standard building permits, but barndominiums are generally permitted on rural land. Check with the county building department for specific requirements.
How much does land cost in Cottle County?
Median price is approximately $2,500 per acre, though prices vary by location, road access, and improvements. USDA Rural Development loans may be available for eligible buyers.
Is Cottle County eligible for USDA Rural Development loans?
Yes — most of Cottle County qualifies for USDA Rural Development programs, including zero-down-payment home loans for eligible buyers.
What is the property tax rate in Cottle County?
The effective property tax rate is approximately 1.48%. Texas has no state income tax, but property tax rates may be higher than the national average. Check with the county assessor for the most current rates and any available homestead exemptions.
Do I need a licensed contractor to build in Cottle County?
Most states allow owner-builders to act as their own general contractor for personal residences, though requirements vary by state and county. In Texas, check local building codes for specific licensing requirements. You'll typically need licensed professionals for electrical, plumbing, and HVAC work.