Cotopaxi, CO—81223
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cotopaxi, CO
As of Oct '25, the median home price in Cotopaxi, CO is $361,000, with a year-over-year change of 4.2%. This indicates that home prices in Cotopaxi, CO are increasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $361,000 | 4.2% |
| Single Family | $361,000 | 4.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $254,000 | -0.4% |
2 Bed | $344,000 | 4.6% |
3 Bed | $412,000 | 5.1% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cotopaxi, CO
Cotopaxi, CO lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,400 | $2,400 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $2,400 | $2,400 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cotopaxi, CO
As of Oct '25, Realtor.com reports that the median days on market for a home in Cotopaxi, CO is 99. This is a decrease of -12.0% 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 13.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $581,000 | 6.0% |
Listing Count | 60 | 58.0% |
| Listings as % of Homes | 1.8% | 58.0% |
Days on Market | 99 | -12.0% |
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.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,180 | 51.1% |
% Under 18 | 7.9% | -20.2% |
% Seniors | 44.6% | 21.9% |
% WFH | 23.3% | 5.0% |
% w/ College Degree | 21.4% | 12.0% |
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
| Metric | Latest Census | 5-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% |
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
| Metric | Zip 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% |
Loan Activity
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 Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,330 |
| 2 Bedroom | -$660 | $2,400 | $1,740 |
| 3 Bedroom | N/A | N/A | $2,250 |
| 4 Bedroom | N/A | N/A | $2,420 |
Affordability — Cotopaxi, CO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.2 |
| Median Home Price | $361,000 |
| Median Household Income | $46,600 |