Market Overview
Home Prices in Cotati, CA
The median home value in Cotati, CA is $734,717 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.7% compared to a year ago and down 1.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cotati are priced79% above average. Cotati is part of the Santa Rosa-Petaluma, CA metro area.
Over the past five years, Cotati home values have risen by approximately5.8%, reflecting steady appreciation in this market.
Price History
Cotati Home Price Trend
City Comparison
Cotati vs. National Median
At $734,717, homes in Cotati cost 79% above the national median of $410,000. Buyers in Cotati should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cotati?
20% Down Payment
$146,943
on $734,717
Monthly P&I
$3,832/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,867/mo
incl. taxes & insurance
Income Needed
$194,680
gross annual (30% rule)
10% Down Option
$73,472
+ PMI applies
Loan Amount (20% dn)
$587,774
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 Cotati, CA?
The median home value in Cotati is $734,717 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.7% year-over-year.
How much have home prices changed in Cotati?
Over the past year, home values in Cotati have decreased by 1.7%. Over five years, prices have risen approximately 5.8%.
How much do I need to earn to buy a home in Cotati?
To comfortably afford the median home price of $734,717 with a 20% down payment ($146,943) at today's rates (6.8%), you'd need a gross annual income of approximately $194,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Cotati compare to the national average home price?
The national median home value is approximately $410,000. At $734,717, homes in Cotati are 79% above the national average.
What metro area is Cotati part of?
Cotati is part of the Santa Rosa-Petaluma, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.