The median home in Cottonwood, California is valued at $359,340, down 0.8% year over year. Cottonwood is part of the Red Bluff, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Red Bluff, CA stress score, crash risk, and 12-month forecast →

Home Value$359,340

-0.8%

AFFORDABILITY

Enter your income for Cottonwood.

Income (annual)

Down Payment

$71,868 on $359,340

Stretch — 34.9% of income

Above 28% but manageable with cuts.

PITI$2,180

P/I34.9%

Afford$288K

Gap-$71K

P&I $1,817Tax $213Ins $150

6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Cottonwood with other housing markets across California.

Atherton$7517K Los Altos Hills$5802K Montecito$5251K Hidden Hills$4992K Hillsborough$4946K Los Altos$4448K Belvedere$4421K Rancho Santa Fe$4186K

Full Red Bluff, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Red Bluff, CA metro.

View Red Bluff, CA metro →

COTTONWOOD, CA