Cottonwood Falls, KS—66845

As of Aug '25, the median home price in Cottonwood Falls, KS is $125,000, with a year-over-year change of 2.2%. This indicates that home prices in Cottonwood Falls, KS are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.

As of Aug '25 and according to Realtor.com, the median days on market for a home in Cottonwood Falls, KS is 100. This is an decrease of -13.0% from last year. This indicates that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%. This is a small percentage of inventory, suggesting little supply pressure on home prices.

According to the latest data from the U.S. Department of Housing and Urban Development (HUD) as of 2023, the number of mortgages originated in Cottonwood Falls, KS in that year was 27. 85.0% of all primary home loans were conventional, the remainder were government-backed loans, such as FHA loans. The average loan-to-value for all loans was 75.0%. Of those, 22.0% were >90% loan to value. This is considered very high, suggesting that mortgage risk is large in Cottonwood Falls, KS. Investor activity in Cottonwood Falls, KS is low, as 7.0% of all loans are originated by investors. In 2023, 7.0% of all loans were cash-out refinances, suggesting few homeowners are actively tapping their home's equity.