28
$165,000
9 Ramble Creek Dr
Cotati, CA 94931
2 bd2 ba800 sqft$206/ft²
Mobile home
Carole McMahon · RE/MAX Marketplace
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Cotati, CA Housing Market
Seller's market-2.3% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Cotati, CA is worth $728,819, fell 2.3% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $792,500, +37.2% year over year (through May 2026). With 2.5 months of supply and homes going under contract in about 15 days, Cotati is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $728,819 home is about $3,747/mo in principal and interest.
Key numbers for Cotati, CA
Typical home value
$728,819
-2.3% in 12 months
Zillow, July 2026
Typical asking rent
$2,293/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$792,500
+37.2% year over year
Redfin, through May 2026
Days on market
15
Fast-moving
Redfin, through May 2026
Active listings
15
2.5 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$112,841
Home costs 6.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.6%
Selling above asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cotati a buyer's or seller's market?
Seller's market2.5 months of supply15 days on market100.6% of asking
Cotati, CA is a seller's market, based on 2.5 months of supply and homes selling in about 15 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cotati housing market data show?
Every row below is Redfin's final published month for Cotati, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $792,500 |
| Median list price | $499,000 |
| Year-over-year price change | +37.2% |
| Median price per sq ft | $481/sq ft |
| Median days on market | 15 days |
| Active inventory | 15 listings |
| Months of supply | 2.5 months |
| Sale-to-list price ratio | 100.6% |
| Homes sold (that month) | 6 |
| New listings (that month) | 6 |
| Listings with a price cut | 13.3% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cotati is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cotati is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cotati home prices moved?
Over the last three years the median sale price in Cotati, CA fell 6.2%, from $845,000 to $792,500. The live Zillow value series has fell 2.3% in the last 12 months, which is the more current read now that Redfin's series has stopped. 13.3% of Cotati listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 2.5 months while the sale-to-list ratio slips below its current 100.6%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cotati?
Priced off the typical home value of $728,819 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $145,764 | $583,055 | $3,747/mo |
| 5% | $36,441 | $692,378 | $4,449/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $3,747, that implies roughly $160,580 a year before you add taxes and insurance. The median household in Cotati earns $112,841, about $47,739 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 6.5x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cotati in the next 12 months?
Tell us your timeline. We send the Cotati market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cotati?
Typical asking rent in Cotati, CA is $2,293/mo, against a typical home value of $728,819. That is a price-to-rent ratio of 26.5x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $3,747 a month — $1,454 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, July 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Cotati?
Active listings in Cotati, CA went from 9 in May 2025 to 15 in May 2026, a +66.7% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 12 | 8 |
| July 2025 | 12 | 10 |
| August 2025 | 15 | 8 |
| September 2025 | 18 | 11 |
| October 2025 | 18 | 9 |
| November 2025 | 16 | 4 |
| December 2025 | 13 | 3 |
| January 2026 | 10 | 4 |
| February 2026 | 16 | 9 |
| March 2026 | 13 | 7 |
| April 2026 | 16 | 8 |
| May 2026 | 15 | 6 |
Redfin, through May 2026
How does Cotati compare to California and the U.S.?
Cotati homes sell for $792,500 — 11% below the California median of $887,400. Against the national median of $410,700, Cotati runs 93% higher. Year-over-year, Cotati moved +37.2% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cotati, CA | $792,500 | +37.2% | 15 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cotati
What buyers should watch
- Months of supply, currently 2.5. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 13.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $703 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $728,819 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cotati listing goes under contract in 15 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.6% of asking. Price at the number you want and let competition do the rest.
- In the last published month Cotati added 6 new listings against 6 sales — more clearing than arriving, which is the better window to list.
- Your equity moved -2.3% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Cotati varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cotati
There are currently 15 homes listed for sale in Cotati, California. The median listing price is $499K. Featured listings range from $165,000 to $1,100,000.
New Listing
41
$189,000
16 Terrace Dr
Cotati, CA 94931
2 bd2 ba1,000 sqft$189/ft²
Mobile home
Ashley McSweeney · Keller Williams Realty
View photos & details
25
$218,000
117 Silver Dr
Cotati, CA 94931
2 bd1 ba702 sqft$311/ft²
Mobile home
Kristi Taylor · Coldwell Banker Realty
View photos & details
New Build
28
$265,000
302 Floral Dr
Cotati, CA 94931
2 bd2 ba910 sqft$291/ft²
Mobile home
Kristi Taylor · Coldwell Banker Realty
View photos & details
Price Drop −$20K
19
$360,000
106 Nicholas Ct
Cotati, CA 94931
2 bd1 ba848 sqft$425/ft²
Condo871 sqft lot
Gary Adams · Century 21 Epic
View photos & details
Price Drop −$11K
30
$419,000
8312 Windmill Farms Dr
Cotati, CA 94931
2 bd2 ba998 sqft$420/ft²
Condo1,220 sqft lot
Doug Suma · Artisan Sotheby's Int'l Realty
View photos & details
27
$425,000
8383 Lasalle Ave
Cotati, CA 94931
2 bd1 ba920 sqft$462/ft²
Condo1,302 sqft lot
Patricia Miller · Century 21 Epic
View photos & details
New Listing
39
$695,000
49 Lipton Way
Cotati, CA 94931
3 bd3 ba1,300 sqft$535/ft²
House2,405 sqft lot
The Johnson Team · Coldwell Banker Realty
View photos & details
New Listing
49
$850,000
202 Aguirre Way
Cotati, CA 94931
3 bd3 ba1,673 sqft$508/ft²
House7,322 sqft lot
Pearson Fillinger Group · Hedge Realty
View photos & details
New Listing
72
$950,000
124 Macklin Dr
Cotati, CA 94931
4 bd3 ba1,996 sqft$476/ft²
House6,186 sqft lot
Aaron Loewenthal · Penngrove Real Estate
View photos & details
38
$998,000
8270 Honor Pl
Cotati, CA 94931
4 bd3 ba2,023 sqft$493/ft²
House7,253 sqft lot
Rosie Martinoni · Coldwell Banker Realty
View photos & details
22
$1,100,000
410 E Railroad Ave
Cotati, CA 94931
3 bd3 ba1,586 sqft$694/ft²
House3.87 acres
Jaclyn Yarbrough · eXp Realty of California, Inc
View photos & details
Looking to buy in Cotati?
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Active listings
15
Homes on market
Median list price
$499K
Avg. days on market
15
Days until sale
New this week
6
Newly listed
Price drops:13.3%of listings
Sale-to-list:100.6%
How much do homes cost in Cotati by property type?
How the Cotati, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $885,000 | $497/sq ft | 5 | 13 days |
| Condo / co-op | $425,000 | $352/sq ft | 3 | 46 days |
| Townhouse | $600,000 | $386/sq ft | 1 | 65 days |
Who lives in Cotati?
American Community Survey estimates for Cotati. U.S. Census ACS, 2023
Population
7,533
Households
3,261
Median income
$112,841/yr
Median age
38.3 years
Owner-occupied
58.2%
Median home value
$702,500
Median gross rent
$1,899/mo
Mean commute
30 min
58.2% of occupied homes in Cotati are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $702,500 against Zillow's $728,819 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,899/mo, below Zillow's $2,293/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Cotati?
1 schools tracked · 447 students
The largest public schools serving Cotati, CA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Thomas Page Academy
Grades K-8 · 447 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Cotati, CA?
Ordered by distance from Cotati, not by size. Compare Cotati side by side with any of them.
Which ZIP codes are in Cotati?
These are the ZIP codes we see on active Cotati listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Cotati housing market FAQ
Is Cotati a buyer's or seller's market?
Cotati, CA is currently a seller's market. That read comes from 2.5 months of supply, homes going under contract in about 15 days, and sellers getting 100.6% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Cotati?
The typical home in Cotati, CA is worth $728,819 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $792,500, about $481 per square foot.
Is Cotati cheaper than the rest of California?
Cotati's median sale price of $792,500 is 11% lower than the California statewide median of $887,400, and 93% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cotati?
Homes in Cotati, CA spent a median of 15 days on market before going under contract, versus 33 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Cotati?
At the current 30-year fixed rate of 6.66%, 20% down on a $728,819 home is about $3,747 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $160,580 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $112,841.
Are home prices rising in Cotati?
The typical home value in Cotati, CA fell 2.3% over the last 12 months, from $746,091 to $728,819 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cotati?
Cotati ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cotati?
That depends on your timeline, not on a headline. What the data says today: Cotati, CA is a seller's market with 2.5 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 26.5x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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