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Featured local agent — Cotopaxi, CO
Sarah Mitchell
Compass Real Estate · Cotopaxi, CO
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Cotopaxi, CO Housing Market
The typical home in Cotopaxi, CO is worth $384,379, rose 1.5% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $375,000 (through May 2026). With homes going under contract in about 206 days, Cotopaxi is a leaning buyer's. At today's 6.66% 30-year fixed rate, 20% down on a $384,379 home is about $1,976/mo in principal and interest.
Key numbers for Cotopaxi, CO
Typical home value
$384,379
+1.5% in 12 months
Zillow, July 2026
Median sale price
$375,000
Last published period
Redfin, through October 2024
Days on market
206
Slow-moving
Redfin, through October 2024
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Sale-to-list ratio
97.4%
Selling below asking
Redfin, through October 2024
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 Cotopaxi a buyer's or seller's market?
Cotopaxi, CO is a leaning buyer's and homes selling in about 206 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cotopaxi housing market data show?
Every row below is Redfin's final published month for Cotopaxi, CO. Redfin, through October 2024
| Metric | Value |
|---|---|
| Median sale price | $375,000 |
| Median price per sq ft | $359/sq ft |
| Median days on market | 206 days |
| Sale-to-list price ratio | 97.4% |
| Homes sold (that month) | 1 |
| Market condition | Leaning buyer's |
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 Cotopaxi is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cotopaxi 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 Cotopaxi home prices moved?
Across the 7 months we hold for Cotopaxi, CO, the median sale price fell 31.1%, from $544,000 in July 2021 to $375,000. The live Zillow value series has rose 1.5% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through October 2024 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cotopaxi?
Priced off the typical home value of $384,379 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% | $76,876 | $307,504 | $1,976/mo |
| 5% | $19,219 | $365,160 | $2,347/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 $1,976, that implies roughly $84,690 a year before you add taxes and insurance. We do not hold a Census income figure for Cotopaxi, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cotopaxi in the next 12 months?
Tell us your timeline. We send the Cotopaxi 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 Cotopaxi?
Zillow does not publish a rent index (ZORI) for Cotopaxi, CO, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cotopaxi?
Active listings in Cotopaxi, CO went from 2 in July 2021 to 1 in March 2024, a -50.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| July 2021 | 2 | 1 |
| October 2021 | 1 | not published |
| March 2024 | 1 | not published |
Redfin, through March 2024
How does Cotopaxi compare to Colorado and the U.S.?
Cotopaxi homes sell for $375,000 — 39% below the Colorado median of $617,000. Against the national median of $410,700, Cotopaxi runs 9% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cotopaxi, CO | $375,000 | not published | 206 days |
| Colorado statewide | $617,000 | +1.3% | 35 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through October 2024 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cotopaxi
What buyers should watch
- The gap between 5% and 20% down here is $371 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 $384,379 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 Cotopaxi listing goes under contract in 206 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 97.4% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Your equity moved +1.5% 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 Cotopaxi varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cotopaxi
Explore homes currently listed for sale in Cotopaxi, Colorado across major real estate platforms.
How much do homes cost in Cotopaxi by property type?
How the Cotopaxi, CO market breaks down across single-family homes, condos and townhouses. Redfin, through October 2024
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $375,000 | $359/sq ft | 1 | 206 days |
Who lives in Cotopaxi?
American Community Survey estimates for Cotopaxi. U.S. Census ACS, 2023
Population
34
Households
34
Median age
65.4 years
Owner-occupied
67.6%
67.6% of occupied homes in Cotopaxi 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.
Which public schools serve Cotopaxi?
2 schools tracked · 167 students
The largest public schools serving Cotopaxi, CO 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.
Cotopaxi Junior-Senior High School
Grades 6-12 · 87 students
Cotopaxi Elementary School
Grades PK-5 · 80 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 Cotopaxi, CO?
Ordered by distance from Cotopaxi, not by size. Compare Cotopaxi side by side with any of them.
Cotopaxi housing market FAQ
Is Cotopaxi a buyer's or seller's market?
Cotopaxi, CO is currently a leaning buyer's based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Cotopaxi?
The typical home in Cotopaxi, CO is worth $384,379 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $375,000, about $359 per square foot.
Is Cotopaxi cheaper than the rest of Colorado?
Cotopaxi's median sale price of $375,000 is 39% lower than the Colorado statewide median of $617,000, and 9% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cotopaxi?
Homes in Cotopaxi, CO spent a median of 206 days on market before going under contract, versus 35 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Cotopaxi?
At the current 30-year fixed rate of 6.66%, 20% down on a $384,379 home is about $1,976 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $84,690 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Cotopaxi?
The typical home value in Cotopaxi, CO rose 1.5% over the last 12 months, from $378,720 to $384,379 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cotopaxi?
Cotopaxi 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 Cotopaxi?
That depends on your timeline, not on a headline. What the data says today: Cotopaxi, CO is a leaning buyer's, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $384,379, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.