The median home in Cottonwood, Arizona is valued at $389,509, up 0.0% year over year. Typical monthly rent is $1,843, producing a price-to-rent ratio of 17.6x — near the national average of 18x. Cottonwood is part of the Prescott Valley-Prescott, AZ metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$389,509
+0.0%
Rent$1,843/mo
AFFORDABILITYRenting $478/mo cheaper ($1,843 rent)6.50% 30yr, 20% down, county tax + AZ ins. 28% per HUD.
Enter your income for Cottonwood.
$77,902 on $389,509
Out of reach — 37.1% of income
Need $99,471/yr to afford.
PITI$2,321
P/I37.1%
Afford$294K
Gap-$96K
P&I $1,970Tax $201Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Arizona
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Full Prescott Valley-Prescott, AZ analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Prescott Valley-Prescott, AZ metro.
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