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.

Home Value$389,509

+0.0%

Rent$1,843/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$77,902 on $389,509

Example: $75,000 household income. Change it above to see your own.

Out of reach37.1% of income

Need $99,471/yr to afford.

PITI$2,321

P/I37.1%

Afford$294K

Gap-$96K

P&I $1,970Tax $201Ins $150

Renting $478/mo cheaper ($1,843 rent)6.50% 30yr, 20% down, county tax + AZ ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Arizona

Compare Cottonwood with other housing markets across Arizona.

Paradise Valley$3.38M Carefree$1.27M Cave Creek$1.03M Fort McDowell$1.02M Sedona$889K Scottsdale$838K Rio Verde$833K New River$750K

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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Cottonwood, AZ