Market Overview
Home Prices in Cottonwood, ID
The median home value in Cottonwood, ID is $350,476 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.4% compared to a year ago and up 3.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cottonwood are priced15% below average.
Over the past five years, Cottonwood home values have risen by approximately27.0%, reflecting strong long-term appreciation in this market.
Price History
Cottonwood Home Price Trend
2020
$211,024
$211K
—
2021
$275,881
$276K
+30.7%
2022
$339,189
$339K
+22.9%
2023
$324,291
$324K
-4.4%
2024
$330,290
$330K
+1.8%
2025
$342,310
$342K
+3.6%
2026
$350,476
$350K
+2.4%
City Comparison
Cottonwood vs. National Median
🏠 Cottonwood
$350,476
National Median
$410,000
At $350,476, homes in Cottonwood cost 15% below the national median of $410,000. This makes Cottonwood a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cottonwood?
20% Down Payment
$70,095
on $350,476
Monthly P&I
$1,828/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,322/mo
incl. taxes & insurance
Income Needed
$92,880
gross annual (30% rule)
10% Down Option
$35,048
+ PMI applies
Loan Amount (20% dn)
$280,381
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 Cottonwood, ID?
The median home value in Cottonwood is $350,476 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.4% year-over-year.
How much have home prices changed in Cottonwood?
Over the past year, home values in Cottonwood have increased by 2.4%. Over five years, prices have risen approximately 27.0%.
How much do I need to earn to buy a home in Cottonwood?
To comfortably afford the median home price of $350,476 with a 20% down payment ($70,095) at today's rates (6.8%), you'd need a gross annual income of approximately $92,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Cottonwood compare to the national average home price?
The national median home value is approximately $410,000. At $350,476, homes in Cottonwood are 15% below the national average.