Market Overview
Home Prices in Cottondale, AL
The median home value in Cottondale, AL is $167,218 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.7% compared to a year ago and down 4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cottondale are priced59% below average. Cottondale is part of the Tuscaloosa, AL metro area.
Over the past five years, Cottondale home values have risen by approximately1.8%, reflecting modest growth in this market.
Price History
Cottondale Home Price Trend
City Comparison
Cottondale vs. National Median
At $167,218, homes in Cottondale cost 59% below the national median of $410,000. This makes Cottondale a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cottondale?
20% Down Payment
$33,444
on $167,218
Monthly P&I
$872/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,107/mo
incl. taxes & insurance
Income Needed
$44,280
gross annual (30% rule)
10% Down Option
$16,722
+ PMI applies
Loan Amount (20% dn)
$133,774
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cottondale, AL?
The median home value in Cottondale is $167,218 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.7% year-over-year.
How much have home prices changed in Cottondale?
Over the past year, home values in Cottondale have decreased by 3.7%. Over five years, prices have risen approximately 1.8%.
How much do I need to earn to buy a home in Cottondale?
To comfortably afford the median home price of $167,218 with a 20% down payment ($33,444) at today's rates (6.8%), you'd need a gross annual income of approximately $44,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Cottondale compare to the national average home price?
The national median home value is approximately $410,000. At $167,218, homes in Cottondale are 59% below the national average.
What metro area is Cottondale part of?
Cottondale is part of the Tuscaloosa, AL metropolitan area. Home prices and market conditions can vary across the broader metro region.