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.

Home Value$201,688

+7.5%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$40,338 on $201,688

Example: $75,000 household income. Change it above to see your own.

Affordable21.7% 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$2.22M Woodland$1.62M Greenwood$1.6M Sunfish Lake$1.16M Orono$1.08M Medicine Lake$1.08M Tonka Bay$1.06M Deephaven$1.02M

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

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Cotton, MN