House Prices

House Prices & Home Values Cotton, MN 2026


Average Data

average house price$242,182
average size per house1647 ft²
average price per ft²148 $ / ft²

04/18/2026 - The value range (VR) for house prices in Cotton, MN is $97/ sqft to $97/ sqft. An average home with 1647 sqft costs approximately $159,759 to $159,759. Cotton, MN includes 1 ZIP codes and it is located in St. Louis county. The lowest prices are found in ZIP 55724, while the highest are in ZIP 55724. The average price per sqare feet is $148. Our analysis is based on 22 property listings.

Avergage prices by ZIP codes Cotton

5572494 $ / ft²




Historical development of home values in Cotton

Year Estimated value (USD) Change vs. 2025
2010 $112,474 -53.6%
2011 $108,124 -55.4%
2012 $107,833 -55.5%
2013 $111,864 -53.8%
2014 $117,426 -51.5%
2015 $123,453 -49.0%
2016 $129,895 -46.4%
2017 $136,906 -43.5%
2018 $144,475 -40.3%
2019 $151,174 -37.6%
2020 $158,989 -34.4%
2021 $180,833 -25.3%
2022 $210,811 -13.0%
2023 $222,310 -8.2%
2024 $235,171 -2.9%
2025 $242,182 0.0%

Graph: estimated home values in Cotton over time (USD)



Example: 100% financing house in Cotton

Loan amount: $242,182

Interest rate: 6.00%

Fixed monthly payment: $1,452.00

Breakdown in the 1st month:
Interest portion: $1,210.91  –  Principal portion: $241.09

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $14,450.02 $2,974.02 $239,207.98
2 $14,266.59 $3,157.45 $236,050.52
3 $14,071.84 $3,352.20 $232,698.32
4 $13,865.09 $3,558.96 $229,139.37
5 $13,645.58 $3,778.46 $225,360.90
6 $13,412.53 $4,011.51 $221,349.39
7 $13,165.11 $4,258.93 $217,090.46
8 $12,902.43 $4,521.61 $212,568.84
9 $12,623.54 $4,800.50 $207,768.34
10 $12,327.46 $5,096.58 $202,671.76
11 $12,013.11 $5,410.93 $197,260.83
12 $11,679.38 $5,744.66 $191,516.17
13 $11,325.06 $6,098.98 $185,417.19
14 $10,948.89 $6,475.15 $178,942.04
15 $10,549.52 $6,874.53 $172,067.51
16 $10,125.51 $7,298.53 $164,768.98
17 $9,675.35 $7,748.69 $157,020.29
18 $9,197.43 $8,226.61 $148,793.68
19 $8,690.03 $8,734.01 $140,059.67
20 $8,151.34 $9,272.71 $130,786.97
21 $7,579.42 $9,844.63 $120,942.34
22 $6,972.22 $10,451.82 $110,490.52
23 $6,327.58 $11,096.47 $99,394.05
24 $5,643.17 $11,780.87 $87,613.18
25 $4,916.55 $12,507.49 $75,105.69
26 $4,145.12 $13,278.92 $61,826.77
27 $3,326.10 $14,097.94 $47,728.83
28 $2,456.57 $14,967.47 $32,761.36
29 $1,533.41 $15,890.63 $16,870.73
30 $553.31 $16,870.73 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Cotton, MN


1500 sqft3900 sqft
Ø selling price$268,621$571,428
Ø fast selling$244,201$514,286
Ø high price sale$293,040$628,571

In 2026, houses in Cotton, MN will be offered at an average price of $148 per square foot. A 1,500 sqft home priced at $268,621 is 22.26% more expensive per square foot than a 3,900 sqft home priced at $571,428. Home prices in Cotton, MN vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $395,605. Sellers who can wait longer may achieve a higher price of up to $483,517.


Discover Cotton, MN


Location & Access

Cotton, Minnesota is a small unincorporated community in St. Louis County along U.S. Highway 53 between Duluth and the Iron Range. Its convenient location makes it a peaceful base for exploring northern Minnesota while staying within an easy drive of city amenities.


Outdoors & Recreation

The area is surrounded by Cloquet Valley State Forest, offering miles of trails for hiking, snowmobiling, and ATV riding. Anglers and paddlers enjoy the Whiteface River and nearby Whiteface Reservoir for fishing, canoeing, and lakeside camping. In every season, visitors can experience quiet forests, starry skies, and brilliant fall colors.


Community & Services

Cotton features local businesses, a community center, and essential services that support residents and travelers along the Highway 53 corridor. Annual events and small-town gatherings highlight friendly Northland hospitality and a strong volunteer spirit. Whether you are grabbing supplies, attending a local ball game, or meeting neighbors, the town delivers genuine rural charm.


Trip Planning & Real Estate

Travelers use Cotton, MN as a staging point for day trips to Duluth, the Iron Range, and state forest campgrounds, with lodging options and RV parks found across the region. Homebuyers seeking acreage, cabins, or lake properties will find varied real estate near Cotton, Minnesota, combining outdoor access with a quiet, affordable lifestyle.



FAQ – Home Values in Cotton

What is the median home value in Cotton in 2026?

In 2026, the typical home value in Cotton is about $242,182 for an average home size of 1647 square feet. This corresponds to an average price of roughly $148 per square foot.

What is the average cost per square foot in Cotton?

In 2026, homes in Cotton sell for an average of around $148 per square foot, with a typical range between $97 and $97 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Cotton is about 1647 square feet, with an estimated 2026 value around $242,182.



Locations close to Cotton, MN

Crane Lake, MN373 $ / ft²
Cromwell, MN140 $ / ft²
Ely, MN254 $ / ft²
Cook, MN297 $ / ft²
Coleraine, MN82 $ / ft²
Cohasset, MN114 $ / ft²




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