Market Overview
Home Prices in Cotter, AR
The median home value in Cotter, AR is $250,651 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.4% compared to a year ago and up 2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cotter are priced39% below average. Cotter is part of the Mountain Home, AR metro area.
Over the past five years, Cotter home values have risen by approximately24.6%, reflecting strong long-term appreciation in this market.
Price History
Cotter Home Price Trend
City Comparison
Cotter vs. National Median
At $250,651, homes in Cotter cost 39% below the national median of $410,000. This makes Cotter a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cotter?
20% Down Payment
$50,130
on $250,651
Monthly P&I
$1,307/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,660/mo
incl. taxes & insurance
Income Needed
$66,400
gross annual (30% rule)
10% Down Option
$25,065
+ PMI applies
Loan Amount (20% dn)
$200,521
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 Cotter, AR?
The median home value in Cotter is $250,651 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.4% year-over-year.
How much have home prices changed in Cotter?
Over the past year, home values in Cotter have increased by 1.4%. Over five years, prices have risen approximately 24.6%.
How much do I need to earn to buy a home in Cotter?
To comfortably afford the median home price of $250,651 with a 20% down payment ($50,130) at today's rates (6.8%), you'd need a gross annual income of approximately $66,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Cotter compare to the national average home price?
The national median home value is approximately $410,000. At $250,651, homes in Cotter are 39% below the national average.
What metro area is Cotter part of?
Cotter is part of the Mountain Home, AR metropolitan area. Home prices and market conditions can vary across the broader metro region.