Cotati, CA—94931
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cotati, CA
As of Nov '25, the median home price in Cotati, CA is $704,000, with a year-over-year change of -2.1%. This indicates that home prices in Cotati, CA are decreasing. According to Zillow, the 1-year price projection is -1.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $704,000 | -2.1% |
| Single Family | $768,000 | -1.9% |
| Condos | $418,000 | -5.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $397,000 | -2.0% |
2 Bed | $468,000 | -4.3% |
3 Bed | $722,000 | -1.9% |
4 Bed | $865,000 | -2.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cotati, CA
As of July '25, Rentcast reports the average rent in Cotati, CA is $2,870, with a year-over-year rent change of -0.3%. Per bedroom, the median rent as of July '25 in Cotati, CA is studios: $1,910, 1-bedrooms: $1,810, 2-bedrooms: $2,140, 3-bedrooms: $3,740, 4-bedrooms: $5,500. The most common rental property sizes in Cotati, CA are 2-bedroom and 1-bedroom, accounting for 46.2% and 34.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,380 | $2,870 |
| Studio Rent | $1,480 | $1,910 |
| 1 Bed Rent | $1,800 | $1,810 |
| 2 Bed Rent | $2,050 | $2,140 |
| 3 Bed Rent | $3,500 | $3,740 |
| 4 Bed Rent | $5,500 | $5,500 |
% of Rental Stock
Property Listings — Cotati, CA
As of Nov '25, Realtor.com reports that the median days on market for a home in Cotati, CA is 41. This is a increase of 4.0% 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 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,120,000 | -22.0% |
Listing Count | 22 | 58.0% |
| Listings as % of Homes | 0.3% | 58.0% |
Days on Market | 41 | 4.0% |
Demographics — Cotati, CA
As of the latest ACS Survey released in 2023, Cotati, CA has a population of 9,320, which has increased by 8.4% over the past 5 years. Cotati, CA is a moderately popular place for families, as children make up 17.5% of the population. The area has a moderately educated workforce, with 39.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 9,320 | 8.4% |
% Under 18 | 17.5% | -17.1% |
% Seniors | 17.8% | 20.3% |
% WFH | 16.2% | 217.6% |
% w/ College Degree | 39.0% | 15.0% |
As of the latest ACS Survey released in 2023, Cotati, CA is a predominantly white area, with 69.8% of the population identifying as white. The white population has shrunk by 4.4% in the last 5 years. The second most common race or ethnicity in Cotati, CA is hispanic, making up 19.2% of the population. Foreign-born residents account for 9.9% of the population in Cotati, CA, and this percentage has decreased by 26.1% 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 | 69.8% | -4.4% |
% Black | 1.5% | -37.5% |
% Hispanic | 19.2% | 4.9% |
% Asian | 2.2% | 15.8% |
% Foreign Born | 9.9% | -26.1% |
Mortgage and Risk — Cotati, CA
According to HUD data as of 2023, there were 94 mortgage originations in Cotati, CA, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 51.0%, with 14.0% above 90% LTV (elevated). This implies medium mortgage risk in Cotati, CA. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 94 |
% Conventional Loans | 88.0% |
% Government Loans | 12.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Rentals and Section 8 — Cotati, CA
As of 2024, the percent of homes in Cotati, CA under the Section 8 program is 8.8%. 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. 1-bedroom and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Cotati, CA, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 186 |
Total Units Section 8 | 139 |
% Rentals under Section 8 | 8.8% |
% Occupied Section 8 | 91.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $60 | $1,800 | $1,860 |
| 2 Bedroom | $390 | $2,050 | $2,440 |
| 3 Bedroom | -$170 | $3,500 | $3,330 |
| 4 Bedroom | -$1,970 | $5,500 | $3,530 |
Affordability — Cotati, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.7 |
| Median Home Price | $704,000 |
| Median Household Income | $103,000 |