Local
Learn about the people, housing, costs and businesses in Cotati, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Cotati.
True all-in cost — P&I, taxes, insurance & utilities for homes in Cotati.
Find and compare lenders active near Cotati.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Cotati.
Seismic risk and earthquake insurance estimates for Cotati.
Wildfire exposure and insurance estimates for Cotati.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Cotati is approximately 6.835% (6.869% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for CotatiThe median home value in Cotati is $768k. The median monthly rent is $2,234. Annual property taxes average $5k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Cotati have increased 13.2% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $2,240/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $96k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Cotati is $96k/year.
Calculate your buying powerThe largest employment sectors in Cotati are public administration (26%) and healthcare (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.