DRE #02250755“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
DRE #02250755“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
Data through Sep 2026
Cotati leans toward buyers, though competition has been picking up recently. Here's where things stand:
Based on 18 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through September 2026
See how prices, monthly costs, and mortgage rates have moved in Cotati.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
The median sale price in Cotati is $514K — down 23% from $670K in October 2021. Over that stretch, the median peaked at $751K in January 2023 and bottomed at $460K in April 2026. That puts today's price about 19% below the area's 5-year average of $635K. Cotati averages only about 6 sales a month, so these swings partly reflect which specific homes happened to sell — treat the long-run direction as rough, not precise.
What buyers actually pay has moved more than the sticker price suggests: a typical monthly payment (20% down, principal & interest) is about $2,743 today, up 19% from $2,300 in October 2021. Most of that increase comes from mortgage rates (3.1% then vs. 7.0% now), not prices — at October 2021 rates, today's median would run about $1,764/mo.
Seasonally, the three months ending in October have been the busiest stretch for closings in Cotati over the past 5 years (about 22 sales in that window on average, vs. 12 for the stretch ending in February), while competition has run hottest in the stretch ending in May (61% of homes selling over asking on average). That's an average across just 5 observations per month, so treat it as a tendency, not a rule.
Cotati leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.
At $514K, Cotati's median sits about 71% below the Bay Area average of $1.77M. Cotati is among the most accessible parts of the Bay Area.
By home type:
Prices in Cotati depend heavily on home type and specific neighborhood. Median sale prices by type:
Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.
Cotati currently leans toward buyers:
Buyer strategy: a well-structured offer near or below list price has a good chance of success.
At $514K with 20% down at 7.4%, your estimated total monthly cost is approximately $3,564:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
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