Market Overview
Home Prices in Cottondale, FL
The median home value in Cottondale, FL is $137,129 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5.3% compared to a year ago and down 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cottondale are priced67% below average.
Over the past five years, Cottondale home values have risen by approximately19.4%, reflecting steady appreciation in this market.
Price History
Cottondale Home Price Trend
2020
$94,384
$94K
—
2021
$114,846
$115K
+21.7%
2022
$134,148
$134K
+16.8%
2023
$139,559
$140K
+4.0%
2024
$148,859
$149K
+6.7%
2025
$144,841
$145K
-2.7%
2026
$137,129
$137K
-5.3%
City Comparison
Cottondale vs. National Median
🏠 Cottondale
$137,129
National Median
$410,000
At $137,129, homes in Cottondale cost 67% 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
$27,426
on $137,129
Monthly P&I
$715/mo
30-yr @ 6.8%
Total Monthly Est.
~$908/mo
incl. taxes & insurance
Income Needed
$36,320
gross annual (30% rule)
10% Down Option
$13,713
+ PMI applies
Loan Amount (20% dn)
$109,703
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, FL?
The median home value in Cottondale is $137,129 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5.3% year-over-year.
How much have home prices changed in Cottondale?
Over the past year, home values in Cottondale have decreased by 5.3%. Over five years, prices have risen approximately 19.4%.
How much do I need to earn to buy a home in Cottondale?
To comfortably afford the median home price of $137,129 with a 20% down payment ($27,426) at today's rates (6.8%), you'd need a gross annual income of approximately $36,320. 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 $137,129, homes in Cottondale are 67% below the national average.