Cottondale, Florida.
Typical home $127,080 (-9.3% in a year).
to buy the typical home at today's mortgage rate — +$358 (+116%) since Jan 2020.
- 1 year
- Down $13,051 -9%
- $140,130$127,080 since Sep 2025
- 5 years
- Up $11,811 +10%
- $115,269$127,080 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cottondale$667
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 36 years.
Typical home values in Cottondale, FL fell 9.3% over the past year — slower than the nation's +1.2%.
Living in Cottondale, Jackson County, Florida
Cottondale is a town of 848 people in Jackson County. 67% of its homes are lived in by their owners and 33% are rented. Unemployment in Jackson County was 5.2% in August 2026, and the county had 2.7% fewer jobs in 2025 than the year before. The most people in Jackson County work in schools and health care, then government.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cottondale is a small town in Jackson County, Florida, and most of its homes are lived in by their owners. Typical home values here are modest, and a four-year degree is less common among adults than in many places, which fits a quiet, settled community. Winters are mild, with little or no snow, and summers are hot, with plenty of rain through the year.
Work. Residents work mostly in schools, hospitals and social care, with government, professional and business services, and shops also employing many people. Across Jackson County, some of the largest workplaces are Jackson Schools, Jackson Hospital and Chipola College. Incomes in the county are modest and unemployment has edged up a little over the past year. Commutes run a little longer than a short hop across town, and some people work from home.
Things to do. Florida Caverns State Park, a protected area, is a short drive away, and so is Waddells Mill Pond Site, an archaeological site. For a longer drive, Lake Seminole is a large reservoir, and Falling Waters State Park is another protected area to visit. The mild winters and long warm season make time outdoors easy for much of the year.
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- 12%of adults have a degree
- 28 mintypical commute
- 12%work from home
What people in Jackson County work in
Employed residents by industry, from the Census survey. Jackson County had 14,429 jobs in 2025, 2.7% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 64° and lows near 39°; warmest in July, with highs near 93° and lows near 72°. About 61 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Chipley weather station, 11 miles away (NOAA).
Largest workplaces in Jackson County
- Jackson SchoolsSchool district918FTE
- Jackson HospitalHospitals, general medical and surgical700
- WalmartWarehouse clubs and supercenters366
- Family Dollar, LLC DC207General warehousing and storage352
- Chipola CollegeUniversity or college230
- Management & Training CorporationJails, privately operated218
- Bureau of Prisons/federal Prison SystemFederal government · Department of Justice164
- Rex Lumber, GracevilleSawmills164
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 24 workplaces with 20 or more staff, 3,134 people in all across the county; Cottondale has none of its own. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- HurricanesRelatively high
- Cold wavesRelatively high
- DroughtRelatively moderate
- Strong windRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cottondale’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Jackson County.
Cottondale home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cottondale$127,080
- Florida$375,361
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Cottondale address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cottondale — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.