Cotton, MN—55724
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cotton, MN
As of Oct '25, the median home price in Cotton, MN is $209,000, with a year-over-year change of 3.8%. This indicates that home prices in Cotton, MN are increasing. According to Zillow, the 1-year price projection is 3.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $209,000 | 3.8% |
| Single Family | $209,000 | 4.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $223,000 | 4.2% |
3 Bed | $315,000 | 3.6% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cotton, MN
Cotton, MN lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cotton, MN
As of Oct '25, Realtor.com reports that the median days on market for a home in Cotton, MN is 79. This is a increase of 22.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $257,000 | -45.0% |
Listing Count | 6 | -14.0% |
| Listings as % of Homes | 0.1% | -14.0% |
Days on Market | 79 | 22.0% |
Demographics — Cotton, MN
As of the latest ACS Survey released in 2023, Cotton, MN has a population of 719, which has decreased by -6.9% over the past 5 years. Cotton, MN is a less popular place for families, as children make up 11.5% of the population. The area has a moderately educated workforce, with 29.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 719 | -6.9% |
% Under 18 | 11.5% | -6.5% |
% Seniors | 34.6% | 55.9% |
% WFH | 12.2% | 171.1% |
% w/ College Degree | 29.2% | 32.1% |
As of the latest ACS Survey released in 2023, Cotton, MN is a predominantly white area, with 95.0% of the population identifying as white. The white population has shrunk by 1.2% in the last 5 years. The second most common race or ethnicity in Cotton, MN is hispanic, making up 1.0% of the population. Foreign-born residents account for 1.0% of the population in Cotton, MN, and this percentage has decreased by 63.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 95.0% | -1.2% |
% Black | 0.0% | -100.0% |
% Hispanic | 1.0% | -16.7% |
% Asian | 0.0% | N/A |
% Foreign Born | 1.0% | -63.0% |
Mortgage and Risk — Cotton, MN
According to HUD data as of 2023, there were 48 mortgage originations in Cotton, MN, of which 94.0% of loans were conventional mortgages. The average loan-to-value was 51.0%, with 2.0% above 90% LTV (normal). This implies small mortgage risk in Cotton, MN. Investor activity is low, as 4.0% 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 | 48 |
% Conventional Loans | 94.0% |
% Government Loans | 6.0% |
% Investor Loans | 4.0% |
% Second Loans | 19.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Cotton, MN
Cotton, MN 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 Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $900 |
| 2 Bedroom | N/A | N/A | $1,150 |
| 3 Bedroom | N/A | N/A | $1,550 |
| 4 Bedroom | N/A | N/A | $1,930 |
Affordability — Cotton, MN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $209,000 |
| Median Household Income | $73,500 |