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City · 12,580 residents · Yavapai County, Arizona

Cottonwood , Arizona

In Cottonwood, a typical home is worth $324,100 and typical rent is $1,120 a month. Compared with all of Yavapai County, typical household income is 30% lower, the typical home value is 24% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $324,100

    24% below the county

    18% below Arizona

    • Cottonwood
    • Yavapai
    • Arizona

  • Typical rent

    $1,120a month

    17% below the county

    27% below Arizona

    • Cottonwood
    • Yavapai
    • Arizona

  • Typical household income

    $48,448a year

    30% below the county

    39% below Arizona

    • Cottonwood
    • Yavapai
    • Arizona

  • Households that own their home

    54%

    21 points below the county

    14 points below Arizona

    • Cottonwood
    • Yavapai
    • Arizona

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$388,792
about the same as 12 months ago
Typical rent
$1,848 a month
3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cottonwood is in Yavapai County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Yavapai County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cottonwood apart

What this place has that others do not, from public data, most unusual first.

  1. 54% of households in Cottonwood own their home, against 75% in Yavapai County.

  2. The typical household income in Cottonwood is $48,448, 30% less than in Yavapai County as a whole ($69,613).

  3. The typical home in Cottonwood is worth $324,100, 24% less than in Yavapai County as a whole ($425,200).

  4. The typical rent in Cottonwood is $1,120 a month, 17% less than in Yavapai County as a whole ($1,351).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cottonwood

What homes there are in Cottonwood, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes in Cottonwood are varied: detached houses are the largest group, at 44%, against 67% in Yavapai County.

Year built

In Cottonwood, half of the homes were built before 1991; in Yavapai County, before 1995.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Yavapai County is $541,287, and about 86% of owner-occupied homes in Cottonwood are worth less than that.

Monthly rent with utilities

With a HUD fair market rent of $1,550 for 2 bedrooms, at least 78% of rented homes in Cottonwood sit below it.

With a mortgage

$1,503 a month

Yavapai County: $1,679 a month

Without a mortgage

$448 a month

Yavapai County: $481 a month

Owners with a mortgage

47%

Yavapai County: 55%

The typical cost for an owner with a mortgage in Cottonwood is $1,503 a month, less than in Yavapai County ($1,679); without one, $448.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Cottonwood rose 71% since 2015–2019, about the same as in Yavapai County (69%).

The typical rent in Cottonwood rose 20% over the same time; in Yavapai County, it rose 43%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCottonwoodYavapai CountyArizonaUnited States
Rental vacancy Unreliable estimate3.4%5.8%5.5%
Homeowner vacancy Unreliable estimate0.9%1.0%0.9%
More than one person per room Unreliable estimate2.3%4.3%3.4%
People per household 1.872.172.532.53
Drive alone 66%71%67%69%
Carpool 24%10%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate14%18%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Cottonwood are smaller: 1.87 people on average; in Yavapai County, 2.17.

More people carpool to work in Cottonwood than in Yavapai County: 24% against 10%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cottonwood?

A typical home costs more than the typical income allows

We start with a typical home in Cottonwood, worth $324,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 62% of the typical household income in Cottonwood, which is $48,448 a year. For that payment to be 28% of income, a household would need to earn about $108,142 a year.

The calculator's FHA and conventional loan limits are those of all of Yavapai County.

Your numbers

Local data
$

Starts at the typical home value in Cottonwood. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,344 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,523

at 7.18% · 30 years

Loan amount
$318,229
Total interest
$457,857
Paid off in
November 2056

Includes $5,473 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,130 a month

  • Tight

    $1,130 to $1,453 a month

  • Hard

    more than $1,453 a month

    Your payment · 63%

Compared with the typical household income in Cottonwood ($48,448 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,523
Principal & interest$2,156
Property tax$89
Home insurance$135
FHA mortgage insurance (MIP)$143

You need at least $11,344 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cottonwood and Yavapai County

Cottonwood is in Yavapai County, Arizona. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cottonwood's own numbers

Typical home value
$324,100
Typical monthly rent
$1,120
Typical yearly household income
$48,448
Households that own their home
54%
Effective property tax rate
0.33%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Yavapai County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,550
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
3.7%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Yavapai County.

Everything about Yavapai County

Buying

Buying a home in Cottonwood

A typical home in Cottonwood is worth $324,100: 24% below the county and 18% below Arizona. With the typical household income in Cottonwood ($48,448 a year), a typical home costs 6.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cottonwood 6.7 years
  • Yavapai 6.1 years
  • Arizona 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Yavapai County

According to FHFA’s house price index, home prices in Yavapai County rose 121% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Yavapai County.

Period County Arizona U.S.
Last year (2025) +2.6% +0.9% +2.9%
5 years (2020–2025) +55% +55% +47%
10 years (2015–2025) +121% +119% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cottonwood next to Yavapai County, Arizona and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cottonwood $324,100
  • Yavapai $425,200
  • Arizona $394,500
  • United States $332,700
Typical monthly rent
  • Cottonwood $1,120
  • Yavapai $1,351
  • Arizona $1,543
  • United States $1,413
Typical yearly household income
  • Cottonwood $48,448
  • Yavapai $69,613
  • Arizona $79,964
  • United States $80,734
See the full table
Cottonwood next to Yavapai County and Arizona
Measure Cottonwood Yavapai County Arizona U.S.
Typical home value $324,100 $425,200 $394,500 $332,700
Typical monthly rent $1,120 $1,351 $1,543 $1,413
Typical yearly household income $48,448 $69,613 $79,964 $80,734
Households that own their home 54% 75% 67% 65%
Typical yearly property tax $1,075 $1,750 $1,879 $3,119
Effective property tax rate 0.33% 0.41% 0.48% 0.94%
Renters with high rent for their income 46% 46% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Yavapai County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cottonwood

For a typical $324,100 home in Cottonwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cottonwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,523a month

    Least cash to close
    Down payment
    $11,344
    Cash to close
    $21,067
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $143

  • Conventional, 5% down $2,464a month

    Down payment
    $16,205
    Cash to close
    $25,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $154

  • Conventional, 20% down, no PMI $1,981a month

    Down payment
    $64,820
    Cash to close
    $74,543
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,280a month

    Down payment
    $48,615
    Cash to close
    $58,338
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cottonwood and for Yavapai County.

Property tax

Effective rate in Cottonwood

0.33%of the home’s value each year

$1,075 a year for the typical owner in Cottonwood.

  • Cottonwood 0.33%
  • Yavapai 0.41%
  • Arizona 0.48%

What Arizona publishes Senior Property Valuation Protection (valuation freeze) (Arizona Department of Revenue (ADOR))

Exemptions and deadlines in Arizona

Flood risk in Yavapai County

FEMA does not publish these numbers by city: they are for all of Yavapai County.

Homes in the high-risk zone
3.7%
4,210
Of those, with NFIP insurance
24%
County Arizona U.S.
Homes in the high-risk zone 3.7% 2.2% 3.5%
Of those, with NFIP insurance 24% 21% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cottonwood

Typical rent in Cottonwood is $1,120 a month: 17% below the county. In Cottonwood, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Yavapai County, by unit size. To pay the 2-bedroom one ($1,550 a month) without spending more than 30% of your income, you would need to earn $29.81 an hour working full time.

HUD fair market rent for all of Yavapai County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,079 $20.75 $43,160
1 bedroom $1,242 $23.88 $49,680
2 bedrooms $1,550 $29.81 $62,000
3 bedrooms $2,146 $41.27 $85,840
4 bedrooms $2,263 $43.52 $90,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Cottonwood

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cottonwood is in ZIP code 86326.

For 2 bedrooms it is $1,480: $70 less than the fair market rent for Yavapai County ($1,550).

  • 86326 $1,480$2,050

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cottonwood when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cottonwood

HUD lists 7 buildings with rents for lower incomes in Cottonwood. These are the largest.

  • Aspen Ridge Apts 831 E Mingus Ave, Cottonwood 86326 96 homes, 95 low-income · 1 bd: 12 · 2 bd: 36 · 3 bd: 48 · In service since 2005
  • Christian Care Cottonwood 1 859 S 12th St, Cottonwood 86326 88 homes, 87 low-income · For older adults (928) 641-5104
  • Verde Vista Apts 1720 E Elm St, Cottonwood 86326 72 homes, 71 low-income · 2 bd: 42 · 3 bd: 30 · In service since 1998
  • Highland Square Senior Apartments 299 W Mingus Ave, Cottonwood 86326 60 low-income homes · 1 bd: 50 · 2 bd: 10 · In service since 2016 · For older adults
  • Mingus Pointe Apts 101 S 6th St, Cottonwood 86326 36 homes, 35 low-income · 1 bd: 4 · 2 bd: 32 · In service since 1995

See all 35 buildings in Yavapai County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cottonwood

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Yavapai County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Cottonwood

No down payment, repair or rent-help program on our list is for Cottonwood or Yavapai County. The ones below are statewide in Arizona: they work in Cottonwood the same as in the rest of the state.

Which programs do I qualify for? All programs in Arizona

  • Home Plus

    Statewide in Arizona

    Open, per the source

    Arizona IDA down payment assistance across Arizona: a second loan with no interest and no payments, forgiven after five years. Offered by Arizona Industrial Development Authority (Arizona IDA).

    ForgivableDeferred

    See the program Official page

Housing counselors near Cottonwood

The HUD-approved agencies closest to the center of Cottonwood, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Solutions of Northern Arizona, Inc

    1500 E Cedar Ave Ste 86, Flagstaff · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (928) 214-7456

  • Take Charge America

    20430 N 19th Ave, Phoenix · 75 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (866) 987-2008

  • Take Charge America- El Centro

    20430 N 19th Ave, Phoenix · 75 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 987-2008

All counseling agencies in Arizona

Help in Spanish near Cottonwood

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cottonwood

HUD lists no housing authority with an office in Yavapai County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Arizona Source: HUD

Cities

Other cities in Yavapai County

These cities are also in Yavapai County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Yavapai County Housing in Arizona

Nearby cities

The cities closest to Cottonwood, with the typical home value.

Neighboring counties

If Yavapai County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cottonwood.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Cottonwood

Short answers with the numbers for Cottonwood and all of Yavapai County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cottonwood?

The typical home value in Cottonwood is $324,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Yavapai County it is $425,200.

How much does it cost to rent in Cottonwood?

Typical rent in Cottonwood is $1,120 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Yavapai County is $1,550.

What is the FHA loan limit in Cottonwood?

Cottonwood uses the FHA limit for all of Yavapai County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Cottonwood?

The typical homeowner in Cottonwood pays $1,075 a year, according to the U.S. Census Bureau. That is 0.33% of the home’s value; in Yavapai County, the rate is 0.41%.

Where can I find free help to buy or rent in Cottonwood?

We found no HUD-approved counseling agencies with an office in Yavapai County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).