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Cotopaxi, CO—81223

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$361,000
4.1% YoY Growth
Household Income
$46,600
46.0% YoY Growth
Days on Market
134
1.0% Shorter YoY
Home Price Forecast
1.0%
Median Rent
$2,400
N/A
1-Bed Rent
N/A
N/A
2-Bed Rent
$2,400
N/A
3-Bed Rent
N/A
N/A
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Cotopaxi, CO

As of Dec '25, the median home price in Cotopaxi, CO is $361,000, with a year-over-year change of 4.1%. This indicates that home prices in Cotopaxi, CO are increasing. According to Zillow, the 1-year price projection is 1.0%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$361,0004.1%
Single Family $360,0004.0%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • $255,000
    -0.4%
    2 Bed
    		$342,0004.6%
    3 Bed
    		$414,0005.1%
    4 Bed
    		N/AN/A
    5 Bed N/AN/A
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    % of Housing Stock

    Studio
    1.2%
    1 Bedroom
    9.7%
    2 Bedrooms
    38.1%
    3 Bedrooms
    43.3%
    4 Bedrooms
    6.4%
    5+ Bedrooms
    1.3%

    Rental Trends — Cotopaxi, CO

    Cotopaxi, CO lacks sufficient rental market data for analysis.

    TypeMedian RentAverage Rent
    Average Rent$2,400$2,400
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent $2,400$2,400
    3 Bed Rent N/AN/A
    4 Bed Rent N/AN/A
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    % of Rental Stock

    2 Bedrooms
    29.3%
    3 Bedrooms
    52.0%
    5+ Bedrooms
    18.7%

    Property Listings — Cotopaxi, CO

    As of Dec '25, Realtor.com reports that the median days on market for a home in Cotopaxi, CO is 117. This is a decrease of -9.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 7.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$600,00022.0%
    Listing Count
    		4854.0%
    Listings as % of Homes1.8%54.0%
    Days on Market
    		134-1.0%
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    Demographics — Cotopaxi, CO

    As of the latest ACS Survey released in 2023, Cotopaxi, CO has a population of 2,180, which has increased by 51.1% over the past 5 years. Cotopaxi, CO is a less popular place for families, as children make up 7.9% of the population. The area has a poorly educated workforce, with 21.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 23.3% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		2,18051.1%
    % Under 18
    		7.9%-20.2%
    % Seniors
    		44.6%21.9%
    % WFH
    		23.3%5.0%
    % w/ College Degree
    		21.4%12.0%
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    As of the latest ACS Survey released in 2023, Cotopaxi, CO is a predominantly white area, with 93.1% of the population identifying as white. The white population has grown by 0.5% in the last 5 years. The second most common race or ethnicity in Cotopaxi, CO is hispanic, making up 3.3% of the population. Foreign-born residents account for 3.4% of the population in Cotopaxi, CO, and this percentage has increased by 36.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		93.1%0.5%
    % Black
    		2.8%1,300.0%
    % Hispanic
    		3.3%-36.5%
    % Asian
    		0.5%25.0%
    % Foreign Born
    		3.4%36.0%
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    Mortgage and Risk — Cotopaxi, CO

    According to HUD data as of 2023, there were 56 mortgage originations in Cotopaxi, CO, of which 59.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in Cotopaxi, CO. Investor activity is low, as 2.0% of loans were by investors. 21.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		56
    % Conventional Loans
    		59.0%
    % Government Loans
    		41.0%
    % Investor Loans
    		2.0%
    % Second Loans
    		5.0%
    % Cash Out Refinance
    		21.0%
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    Rentals and Section 8 — Cotopaxi, CO

    Cotopaxi, CO lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		N/A
    Total Units Section 8
    		N/A
    % Rentals under Section 8
    		N/A
    % Occupied Section 8
    		N/A

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$1,330
    2 Bedroom-$660$2,400$1,740
    3 BedroomN/AN/A$2,250
    4 BedroomN/AN/A$2,420

    Affordability — Cotopaxi, CO

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio7.1
    Median Home Price$361,000
    Median Household Income$46,600

    Cotopaxi, CO — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Coaldale, CO

    81222

    Howard, CO

    81233

    Canon City, CO

    81212

    Guffey, CO

    80820

    Rockvale

    81244

    Frequently Asked Questions