Market Overview
Home Prices in Cottonwood Shores, TX
The median home value in Cottonwood Shores, TX is $274,619 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.9% compared to a year ago and down 3.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cottonwood Shores are priced33% below average.
Over the past five years, Cottonwood Shores home values have risen by approximately18.5%, reflecting steady appreciation in this market.
Price History
Cottonwood Shores Home Price Trend
City Comparison
Cottonwood Shores vs. National Median
At $274,619, homes in Cottonwood Shores cost 33% below the national median of $410,000. This makes Cottonwood Shores a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cottonwood Shores?
20% Down Payment
$54,924
on $274,619
Monthly P&I
$1,432/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,819/mo
incl. taxes & insurance
Income Needed
$72,760
gross annual (30% rule)
10% Down Option
$27,462
+ PMI applies
Loan Amount (20% dn)
$219,695
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 Shores, TX?
The median home value in Cottonwood Shores is $274,619 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.9% year-over-year.
How much have home prices changed in Cottonwood Shores?
Over the past year, home values in Cottonwood Shores have decreased by 3.9%. Over five years, prices have risen approximately 18.5%.
How much do I need to earn to buy a home in Cottonwood Shores?
To comfortably afford the median home price of $274,619 with a 20% down payment ($54,924) at today's rates (6.8%), you'd need a gross annual income of approximately $72,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Cottonwood Shores compare to the national average home price?
The national median home value is approximately $410,000. At $274,619, homes in Cottonwood Shores are 33% below the national average.