Cottonwood, CA—96022
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cottonwood, CA
As of Oct '25, the median home price in Cottonwood, CA is $361,000, with a year-over-year change of -0.8%. This indicates that home prices in Cottonwood, CA are flat. According to Zillow, the 1-year price projection is -1.1%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $361,000 | -0.8% |
| Single Family | $361,000 | -0.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $271,000 | -1.5% |
3 Bed | $362,000 | -0.5% |
4 Bed | $479,000 | 0.4% |
| 5 Bed | $586,000 | 1.2% |
% of Housing Stock
Rental Trends — Cottonwood, CA
As of July '25, Rentcast reports the average rent in Cottonwood, CA is $1,820, with a year-over-year rent change of 8.3%. Per bedroom, the median rent as of July '25 in Cottonwood, CA is 1-bedrooms: $1,000, 2-bedrooms: $1,480, 3-bedrooms: $2,100. The most common rental property sizes in Cottonwood, CA are 2-bedroom and 3-bedroom, accounting for 49.1% and 44.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $1,820 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,000 | $1,000 |
| 2 Bed Rent | $1,400 | $1,480 |
| 3 Bed Rent | $2,000 | $2,100 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cottonwood, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Cottonwood, CA is 55. This is a decrease of -23.0% 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 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $410,000 | 2.0% |
Listing Count | 84 | -7.0% |
| Listings as % of Homes | 0.9% | -7.0% |
Days on Market | 55 | -23.0% |
Demographics — Cottonwood, CA
As of the latest ACS Survey released in 2023, Cottonwood, CA has a population of 16,500, which has remained stable by 0.3% over the past 5 years. Cottonwood, CA is a moderately popular place for families, as children make up 21.2% of the population. The area has a poorly educated workforce, with 22.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 16,500 | 0.3% |
% Under 18 | 21.2% | -9.4% |
% Seniors | 19.7% | 25.5% |
% WFH | 8.2% | 121.6% |
% w/ College Degree | 22.1% | 22.1% |
As of the latest ACS Survey released in 2023, Cottonwood, CA is a predominantly white area, with 76.7% of the population identifying as white. The white population has shrunk by 6.2% in the last 5 years. The second most common race or ethnicity in Cottonwood, CA is hispanic, making up 11.2% of the population. Foreign-born residents account for 3.6% of the population in Cottonwood, CA, and this percentage has increased by 20.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 76.7% | -6.2% |
% Black | 0.6% | 0.0% |
% Hispanic | 11.2% | 6.7% |
% Asian | 2.5% | 66.7% |
% Foreign Born | 3.6% | 20.0% |
Mortgage and Risk — Cottonwood, CA
According to HUD data as of 2023, there were 305 mortgage originations in Cottonwood, CA, of which 70.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 32.0% above 90% LTV (very high). This implies large mortgage risk in Cottonwood, CA. Investor activity is low, as 1.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 305 |
% Conventional Loans | 70.0% |
% Government Loans | 30.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Cottonwood, CA
Cottonwood, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 34 |
Total Units Section 8 | 34 |
% Rentals under Section 8 | 2.8% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $230 | $1,000 | $1,230 |
| 2 Bedroom | $220 | $1,400 | $1,620 |
| 3 Bedroom | $190 | $2,000 | $2,190 |
| 4 Bedroom | N/A | N/A | $2,690 |
Affordability — Cottonwood, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $361,000 |
| Median Household Income | $87,200 |