ZIP Code 86326 — Cottonwood city, AZ Demographics & Data

ZIP code 86326 covers Cottonwood, AZ in Yavapai County with a population of about 25,476.

At a glance, the area shows median age of 50.1 versus a U.S. median of about 38.9.

It sits in telephone area code 928; U.S. House district AZ-2; the PHOENIX (PRESCOTT) media market.

Median household income in ZIP 86326 is about $58,250 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.8%; unemployment rate near 4.0%; 24.9% of adults with a bachelor’s degree or higher (about 8.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Retail trade; about 6.7% of workers reporting work-from-home (about 8.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $312,400 — about 10% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $943 (about 19% below the U.S. median rent ($1,163)), and owner-occupancy near 64.0% (about 1.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 86326 in Cottonwood, AZ, a household would need roughly $86,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,007. That is about 48% above the local median household income ($58,250), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cottonwood city, AZ as Relatively Moderate (composite score 93.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.6) and flood (96.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cottonwood city, AZ show little to no average snow and around 12.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 855 for ZIP 86326 (Cottonwood city, AZ) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.