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Cottonwood city, AZ

ZIP 86326 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86326

Median Home Value
$312,400
Median Rent
$943
Affordability Snapshot
$86,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,007/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

27.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 86326 in Cottonwood city, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
64.0%-2% vs US avg
x
Vacancy Rate
5.1%-50% vs US avg
x
Broadband Access
87.6%+1% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
18.3%-63% vs US avg
x
Mortgage-Free
40.5%+6% vs US avg
x
$312,400
Home Value
$943
Rent
1989
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached53.4%
  • 1-unit attached2.8%
  • 2-9 units18.1%
  • 10+ units6.3%
  • Mobile home & other19.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$312,400
Median rent$943
Owner-occupied64.0%
Vacant5.1%
Price-to-income5.4x
Est. income to buy$86,000