How much do homeowners pay a month in Cottonwood (Kern County), CA?

Name: Homeowner costs in Cottonwood (Kern County), CA, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Cottonwood (Kern County), CA pay a median of $1,838 (±$521) a month in selected owner costs (2020–2024 American Community Survey).

81.1% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $1,838 (±$521)
Owned with a mortgage: 81.1%

Monthly owner costs in Cottonwood (Kern County)

Median selected monthly owner costs, estimate (90% margin of error)
	Cottonwood (Kern County)	Kern County	California	United States
With a mortgage	$1,838 (±$521)	$1,968 (±$22)	$2,946 (±$5)	$1,963
Without a mortgage	—	$631 (±$12)	$829 (±$3)	$638
Owned homes with a mortgage	81.1% (±33.2 points)	66.0% (±0.9 points)	67.4% (±0.1 points)	60.6%
Median real estate taxes (a year)	$2,068 (±$1,085)	$2,984 (±$55)	$5,124 (±$17)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Cottonwood (Kern County), the median cost with a mortgage is not measurably different from Kern County ($1,968).

It is also lower than in California ($2,946).

It is not measurably different from the national figure ($1,963).

In Kern County, Cottonwood (Kern County) ranks 15 of 46 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 875 of 1,051.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

Median monthly cost with a mortgage in places near Cottonwood (Kern County)

Nearest places with a published estimate, compared with Cottonwood (Kern County)
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Cottonwood (Kern County)	—	$1,838 (±$521)	—
Potomac Park	1.7 mi	$1,327 (±$101)	Not measurably different
Benton Park	2.5 mi	$1,488 (±$230)	Not measurably different
East Bakersfield	2.7 mi	$1,682 (±$159)	Not measurably different
Hillcrest	2.8 mi	$1,748 (±$144)	Not measurably different
Rexland Acres	2.9 mi	$1,570 (±$167)	Not measurably different
Fairfax (community)	2.9 mi	$1,771 (±$229)	Not measurably different
Bakersfield	3.0 mi	$2,107 (±$33)	Not measurably different
Old Stine	3.4 mi	$1,424 (±$258)	Not measurably different

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Kern County, place by place

Rank	Place	Median monthly cost with a mortgage
9	Bakersfield	$2,107 (±$33)
10	Rosamond	$2,071 (±$82)
11	Greenacres	$2,053 (±$170)
12	Shafter	$2,015 (±$133)
13	Tehachapi	$1,970 (±$145)
14	La Cresta	$1,872 (±$175)
15	Cottonwood (Kern County)	$1,838 (±$521)
16	Fairfax (community)	$1,771 (±$229)
17	Hillcrest	$1,748 (±$144)
18	Ridgecrest	$1,747 (±$90)
19	California City	$1,684 (±$181)
20	East Bakersfield	$1,682 (±$159)
21	Taft	$1,665 (±$328)

Showing 13 of 46 places in Kern County, ranked from highest to lowest.

Cottonwood (Kern County) is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Cottonwood (Kern County)

What is the average mortgage payment in Cottonwood (Kern County)?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Cottonwood (Kern County), CA is $1,838 (±$521) a month, including taxes, insurance and utilities.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Cottonwood CDP (Kern County), California (place:16623, in state:06).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.