Cottonwood, AZ—86326
Real Estate Data & Market Trends
Key Metrics at a Glance
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 | $393,000 | -0.9% |
| Single Family | $395,000 | -1.0% |
| Condos | $254,000 | 1.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $325,000 | -0.9% |
3 Bed | $410,000 | -0.5% |
4 Bed | $518,000 | -0.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
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 |
% of Rental Stock
Property Listings — Cottonwood, AZ
As of Oct '25, Realtor.com reports that the median days on market for a home in Cottonwood, AZ is 53. This is a decrease of -31.0% 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 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $450,000 | -11.0% |
Listing Count | 129 | 28.0% |
| Listings as % of Homes | 0.5% | 28.0% |
Days on Market | 53 | -31.0% |
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% |
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% |
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% |
Loan Activity
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 |
Affordability — Cottonwood, AZ
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.4 |
| Median Home Price | $393,000 |
| Median Household Income | $58,200 |