Cottonwood, AZ 86326 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Cottonwood, AZ—86326

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$390,000

0.8% YoY Growth

Household Income

$58,200

34.4% YoY Growth

Days on Market

71

29.0% Shorter YoY

Home Price Forecast

N/A

Median Rent

$1,900

5.6% YoY Growth

1-Bed Rent

$1,220

8.9% YoY Growth

2-Bed Rent

$1,700

4.7% YoY Growth

3-Bed Rent

$2,200

1.9% YoY Growth

Home Price Trends — Cottonwood, AZ

Cottonwood, AZ lacks sufficient home price data for analysis.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$390,000	-0.8%
Single Family	$393,000	-0.5%
Condos	$256,000	2.0%

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed	N/A	N/A

Rental Trends — Cottonwood, AZ

As of July '25, Rentcast reports the average rent in Cottonwood, AZ is $1,900, with a year-over-year rent change of 5.6%. Per bedroom, the median rent as of July '25 in Cottonwood, AZ is 1-bedrooms: $1,340, 2-bedrooms: $1,780, 3-bedrooms: $2,100, 4-bedrooms: $2,250. The most common rental property sizes in Cottonwood, AZ are 2-bedroom and 1-bedroom, accounting for 40.1% and 33.7% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,900	$1,900
Studio Rent	N/A	N/A
1 Bed Rent	$1,220	$1,340
2 Bed Rent	$1,700	$1,780
3 Bed Rent	$2,200	$2,100
4 Bed Rent	$2,250	$2,250

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% of Rental Stock

Studio

5.0%

1 Bedroom

33.7%

2 Bedrooms

40.1%

3 Bedrooms

20.4%

4 Bedrooms

0.3%

5+ Bedrooms

0.5%

Property Listings — Cottonwood, AZ

As of Dec '25, Realtor.com reports that the median days on market for a home in Cottonwood, AZ is 51. This is a decrease of -35.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$462,000	-12.0%
Listing Count	103	40.0%
Listings as % of Homes	0.5%	40.0%
Days on Market	71	-29.0%

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Demographics — Cottonwood, AZ

As of the latest ACS Survey released in 2023, Cottonwood, AZ has a population of 25,500, which has increased by 1.8% over the past 5 years. Cottonwood, AZ is a moderately popular place for families, as children make up 15.9% of the population. The area has a poorly educated workforce, with 24.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.7% reporting working from home.

Metric	Latest Census	YoY % Change
Population	25,500	1.8%
% Under 18	15.9%	-23.9%
% Seniors	28.4%	7.6%
% WFH	6.7%	-13.0%
% w/ College Degree	24.8%	33.3%

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As of the latest ACS Survey released in 2023, Cottonwood, AZ is a predominantly white area, with 72.6% of the population identifying as white. The white population has shrunk by 5.2% in the last 5 years. The second most common race or ethnicity in Cottonwood, AZ is hispanic, making up 20.2% of the population. Foreign-born residents account for 11.8% of the population in Cottonwood, AZ, and this percentage has increased by 73.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	72.6%	-5.2%
% Black	0.9%	28.6%
% Hispanic	20.2%	8.0%
% Asian	0.4%	33.3%
% Foreign Born	11.8%	73.5%

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Mortgage and Risk — Cottonwood, AZ

According to HUD data as of 2023, there were 378 mortgage originations in Cottonwood, AZ, of which 74.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Cottonwood, AZ. Investor activity is low, as 3.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	378
% Conventional Loans	74.0%
% Government Loans	26.0%
% Investor Loans	3.0%
% Second Loans	4.0%
% Cash Out Refinance	15.0%

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Rentals and Section 8 — Cottonwood, AZ

As of 2024, the percent of homes in Cottonwood, AZ under the Section 8 program is 3.7%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Cottonwood, AZ, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom and 3-bedroom units do not.

Section 8 Market Size

Total Units under HUD	159
Total Units Section 8	159
% Rentals under Section 8	3.7%
% Occupied Section 8	87.8%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	-$30	$1,220	$1,190
2 Bedroom	-$220	$1,700	$1,480
3 Bedroom	-$160	$2,200	$2,040
4 Bedroom	$100	$2,250	$2,350

Cottonwood, AZ—86326

Key Metrics at a Glance

Home Price Trends — Cottonwood, AZ

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Cottonwood, AZ

% of Rental Stock

Property Listings — Cottonwood, AZ

Demographics — Cottonwood, AZ

Race and Ethnicity

Mortgage and Risk — Cottonwood, AZ

Mortgages

Rentals and Section 8 — Cottonwood, AZ

Section 8 Market Size

Section 8 Opportunity

Affordability — Cottonwood, AZ

Home Price to Income Ratio

Cottonwood, AZ — ZIP Code Boundary Map

Nearby ZIP Codes

Jerome

Cornville, AZ

Prescott Valley, AZ

Clarkdale, AZ

Sedona, AZ

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	6.4
Median Home Price	$390,000
Median Household Income	$58,200

Cottonwood, AZ—86326

Key Metrics at a Glance

Home Price Trends — Cottonwood, AZ

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Cottonwood, AZ

% of Rental Stock

Property Listings — Cottonwood, AZ

Demographics — Cottonwood, AZ

Race and Ethnicity

Mortgage and Risk — Cottonwood, AZ

Mortgages

Rentals and Section 8 — Cottonwood, AZ

Section 8 Market Size

Section 8 Opportunity

Affordability — Cottonwood, AZ

Home Price to Income Ratio

Cottonwood, AZ — ZIP Code Boundary Map

Nearby ZIP Codes

Jerome

Cornville, AZ

Prescott Valley, AZ

Clarkdale, AZ

Sedona, AZ

Frequently Asked Questions

What is the average home price in Cottonwood, AZ 86326?

How have home prices in Cottonwood, AZ 86326 changed over the past year?

What is the home price projection for Cottonwood, AZ 86326?

What are the demographics of Cottonwood, AZ 86326?

How long does it take homes to sell in Cottonwood, AZ 86326?

What is the average rent price in Cottonwood, AZ 86326?