The median home in Cotton, Minnesota is valued at $201,688, up 7.5% year over year. Cotton is part of the Duluth, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Duluth, MN-WI stress score, crash risk, and 12-month forecast →

Home Value$201,688

+7.5%

AFFORDABILITY

Enter your income for Cotton.

Income (annual)

Down Payment

$40,338 on $201,688

Affordable — 21.7% of income

Under the 28% guideline.

PITI$1,358

P/I21.7%

Afford$260K

Room+$58K

P&I $1,020Tax $188Ins $150

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

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

Other cities in Minnesota

Compare Cotton with other housing markets across Minnesota.

Minnetonka Beach$2220K Woodland$1619K Greenwood$1602K Sunfish Lake$1156K Orono$1084K Medicine Lake$1082K Tonka Bay$1059K Deephaven$1018K

Full Duluth, MN-WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Duluth, MN-WI metro.

View Duluth, MN-WI metro →

COTTON, MN