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Cottonwood Beach, WA—98230

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$540,000
0.5% YoY Growth
Household Income
$82,700
22.4% YoY Growth
Days on Market
48
4.0% Shorter YoY
Home Price Forecast
-1.2%
Median Rent
$2,350
10.8% YoY Growth
1-Bed Rent
$1,550
39.4% YoY Growth
2-Bed Rent
$2,050
23.1% YoY Growth
3-Bed Rent
$2,500
0.8% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Cottonwood Beach, WA

As of May '26, the median home price in Cottonwood Beach, WA is $540,000, with a year-over-year change of -0.5%. This indicates that home prices in Cottonwood Beach, WA are flat. According to Zillow, the 1-year price projection is -1.2%, suggesting a decrease housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$540,000-0.5%
Single Family $574,000-0.7%
Condos $324,000-1.2%

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • $277,000
    -0.7%
    2 Bed
    		$407,000-0.2%
    3 Bed
    		$582,000-0.5%
    4 Bed
    		$700,000-0.6%
    5 Bed $795,122-0.1%
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    % of Housing Stock

    Studio
    1.8%
    1 Bedroom
    9.0%
    2 Bedrooms
    24.5%
    3 Bedrooms
    47.5%
    4 Bedrooms
    14.2%
    5+ Bedrooms
    3.0%

    Rental Trends — Cottonwood Beach, WA

    As of July '25, Rentcast reports the average rent in Cottonwood Beach, WA is $2,460, with a year-over-year rent change of 10.8%. Per bedroom, the median rent as of July '25 in Cottonwood Beach, WA is studios: $738, 1-bedrooms: $1,520, 2-bedrooms: $2,130, 3-bedrooms: $2,580, 4-bedrooms: $3,600. The most common rental property sizes in Cottonwood Beach, WA are 3-bedroom and 2-bedroom, accounting for 40.4% and 33.4% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$2,350$2,460
    Studio Rent $725$738
    1 Bed Rent $1,550$1,520
    2 Bed Rent $2,050$2,130
    3 Bed Rent $2,500$2,580
    4 Bed Rent $2,800$3,600
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    % of Rental Stock

    Studio
    4.5%
    1 Bedroom
    16.2%
    2 Bedrooms
    33.4%
    3 Bedrooms
    40.4%
    4 Bedrooms
    5.0%
    5+ Bedrooms
    0.5%

    Property Listings — Cottonwood Beach, WA

    As of May '26, Realtor.com reports that the median days on market for a home in Cottonwood Beach, WA is 48. This is a decrease of -4.0% 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 21.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$675,000-3.0%
    Listing Count
    		24617.0%
    Listings as % of Homes1.0%17.0%
    Days on Market
    		48-4.0%
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    Demographics — Cottonwood Beach, WA

    As of the latest ACS Survey released in 2023, Cottonwood Beach, WA has a population of 18,800, which has increased by 10.0% over the past 5 years. Cottonwood Beach, WA is a moderately popular place for families, as children make up 21.2% of the population. The area has a moderately educated workforce, with 31.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.6% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		18,80010.0%
    % Under 18
    		21.2%7.1%
    % Seniors
    		24.8%7.4%
    % WFH
    		12.6%147.1%
    % w/ College Degree
    		31.6%14.5%
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    As of the latest ACS Survey released in 2023, Cottonwood Beach, WA is a predominantly white area, with 77.3% of the population identifying as white. The white population has shrunk by 8.7% in the last 5 years. The second most common race or ethnicity in Cottonwood Beach, WA is hispanic, making up 8.6% of the population. Foreign-born residents account for 13.4% of the population in Cottonwood Beach, WA, and this percentage has decreased by 18.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		77.3%-8.7%
    % Black
    		1.4%250.0%
    % Hispanic
    		8.6%36.5%
    % Asian
    		3.5%-7.9%
    % Foreign Born
    		13.4%-18.3%
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    Mortgage and Risk — Cottonwood Beach, WA

    According to HUD data as of 2023, there were 463 mortgage originations in Cottonwood Beach, WA, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Cottonwood Beach, WA. Investor activity is low, as 3.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		463
    % Conventional Loans
    		79.0%
    % Government Loans
    		21.0%
    % Investor Loans
    		3.0%
    % Second Loans
    		4.0%
    % Cash Out Refinance
    		8.0%
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    Rentals and Section 8 — Cottonwood Beach, WA

    As of 2024, the percent of homes in Cottonwood Beach, WA under the Section 8 program is 4.9%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Cottonwood Beach, WA, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.

    Section 8 Market Size

    Total Units under HUD
    		117
    Total Units Section 8
    		84
    % Rentals under Section 8
    		4.9%
    % Occupied Section 8
    		87.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom-$210$1,550$1,340
    2 Bedroom-$460$2,050$1,590
    3 Bedroom-$270$2,500$2,230
    4 Bedroom-$130$2,800$2,670

    Affordability — Cottonwood Beach, WA

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio6.3
    Median Home Price$540,000
    Median Household Income$82,700

    Cottonwood Beach, WA — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Custer, WA

    98240

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    98248

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    98264

    Beach, WA

    98262

    Bellingham, WA

    98225

    Frequently Asked Questions