Market Overview
Home Prices in Cottonwood Falls, KS
The median home value in Cottonwood Falls, KS is $130,959 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.1% compared to a year ago and up 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cottonwood Falls are priced68% below average. Cottonwood Falls is part of the Emporia, KS metro area.
Over the past five years, Cottonwood Falls home values have risen by approximately21.0%, reflecting strong long-term appreciation in this market.
Price History
Cottonwood Falls Home Price Trend
City Comparison
Cottonwood Falls vs. National Median
At $130,959, homes in Cottonwood Falls cost 68% below the national median of $410,000. This makes Cottonwood Falls a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cottonwood Falls?
20% Down Payment
$26,192
on $130,959
Monthly P&I
$683/mo
30-yr @ 6.8%
Total Monthly Est.
~$867/mo
incl. taxes & insurance
Income Needed
$34,680
gross annual (30% rule)
10% Down Option
$13,096
+ PMI applies
Loan Amount (20% dn)
$104,767
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 Falls, KS?
The median home value in Cottonwood Falls is $130,959 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.1% year-over-year.
How much have home prices changed in Cottonwood Falls?
Over the past year, home values in Cottonwood Falls have increased by 2.1%. Over five years, prices have risen approximately 21.0%.
How much do I need to earn to buy a home in Cottonwood Falls?
To comfortably afford the median home price of $130,959 with a 20% down payment ($26,192) at today's rates (6.8%), you'd need a gross annual income of approximately $34,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Cottonwood Falls compare to the national average home price?
The national median home value is approximately $410,000. At $130,959, homes in Cottonwood Falls are 68% below the national average.
What metro area is Cottonwood Falls part of?
Cottonwood Falls is part of the Emporia, KS metropolitan area. Home prices and market conditions can vary across the broader metro region.