Market Overview
Home Prices in Cotulla, TX
The median home value in Cotulla, TX is $110,644 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 14.4% compared to a year ago and up 1.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cotulla are priced73% below average.
Price History
Cotulla Home Price Trend
2022
$151,797
$152K
—
2023
$127,309
$127K
-16.1%
2024
$127,176
$127K
-0.1%
2025
$129,261
$129K
+1.6%
2026
$110,644
$111K
-14.4%
City Comparison
Cotulla vs. National Median
🏠 Cotulla
$110,644
National Median
$410,000
At $110,644, homes in Cotulla cost 73% below the national median of $410,000. This makes Cotulla a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cotulla?
20% Down Payment
$22,129
on $110,644
Monthly P&I
$577/mo
30-yr @ 6.8%
Total Monthly Est.
~$733/mo
incl. taxes & insurance
Income Needed
$29,320
gross annual (30% rule)
10% Down Option
$11,064
+ PMI applies
Loan Amount (20% dn)
$88,515
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 Cotulla, TX?
The median home value in Cotulla is $110,644 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 14.4% year-over-year.
How much have home prices changed in Cotulla?
Over the past year, home values in Cotulla have decreased by 14.4%.
How much do I need to earn to buy a home in Cotulla?
To comfortably afford the median home price of $110,644 with a 20% down payment ($22,129) at today's rates (6.8%), you'd need a gross annual income of approximately $29,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Cotulla compare to the national average home price?
The national median home value is approximately $410,000. At $110,644, homes in Cotulla are 73% below the national average.