PlainZIP

Cottonwood, AZ · standard

ZIP Code 86326

Yavapai County, Arizona — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

23,344
167/sq mi
$57,378
Median income
$345,300
Median home value
27.4%
Bachelor's or higher

The verdict

Cottonwood pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

25th pct
household income, US ZIPs
Top 27%
home value, US ZIPs
167
people per sq mi
66%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 86326 against every reporting US ZIP.

ZIP code 86326 is classified by USPS as a standard delivery area and covers roughly 140.1 square miles in Cottonwood, Yavapai County, Arizona. The area is home to 23,344 residents, producing a population density of 167 people per square mile, and falls within the Phoenix time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 86326 against Arizona and the nation.

On the economic side, the median household income for ZIP 86326 sits at $57,378 (21% below the Arizona average), while per-capita income is $35,414. The poverty rate stands at 15.8% and the unemployment rate at 3.9%. On housing, the median home value is $345,300 (2% above the state average) with median rent at $1,141 per month, and 65.5% of occupied units are owner-occupied, a direct signal of whether 86326 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 27.4% of adults hold a bachelor's degree or higher, the median age is 50.8, and the average commute is 20 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Yavapai County, so you can benchmark 86326 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 86326

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 86326.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 86326, Cottonwood, AZ · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

23,344

Population

140.1

Area (sq mi)

167

People / sq mi

Phoenix

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 86326?

50.8

Median Age

48.7%

Male

51.3%

Female

11.7%

Foreign-Born

White 75.8%
African American 0.2%
Asian 0.6%
American Indian or Alaska Native 1.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 15.5%
Hispanic or Latino 19.6%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$57,378

Median Household Income

-21% vs state

$35,414

Per Capita Income

15.8%

Poverty Rate

3.9%

Unemployment Rate

19.7 min

Mean Commute Time

How ZIP 86326 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$57,378 25th percentile higher than 25% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 51.6%
Bachelor's Degree or Higher 27.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

12,520

Total Housing Units

11,766

Occupied Units

754

Vacant Units

2.09

Avg Household Size

Occupancy Type

Owner 65.5%
Renter 34.5%

$345,300

Median Home Value

+2% vs state

$1,141

Median Rent

1990

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+0.4%

YoY Change (2024)

322

HPI Index (2000 = 100)

+222%

Total Change Since 2000

Home values in ZIP 86326 have increased 0.4% over the past year (2024). Since 2000, this ZIP has seen +222% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.7% 213
2021 +17.5% 250
2022 +20.0% 301
2023 +6.7% 321
2024 +0.4% 322

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 725 business establishments in ZIP 86326, employing approximately 8,698 people with a combined annual payroll of $456,147,000.

725

Businesses

8,698

Employees

$456.1M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 127 17.5%
Retail trade 101 13.9%
Construction 94 13.0%
Accommodation and food services 83 11.4%
Other services (except public administration) 68 9.4%
Professional, scientific, and technical services 56 7.7%
Real estate and rental and leasing 40 5.5%
Finance and insurance 38 5.2%
Administrative and support and waste management and remediation services 32 4.4%
Manufacturing 18 2.5%
Wholesale trade 16 2.2%
Information 15 2.1%
Arts, entertainment, and recreation 12 1.7%
Transportation and warehousing 11 1.5%
Educational services 8 1.1%
Utilities 3 0.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 86326 vs 86331 →

ZIP 86326 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 86326 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 86326 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 86326 ranks #3 of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
86331 Jerome, AZ 477 7.1 mi
86325 Cornville, AZ 5,152 7.5 mi
86327 Dewey, AZ 8,858 10.0 mi

More ZIP Codes in Yavapai County

86314 standard
Prescott Valley, AZ
Pop: 34,401
86301 standard
Prescott, AZ
Pop: 20,626
86305 standard
Prescott, AZ
Pop: 17,356
86303 standard
Prescott, AZ
Pop: 17,082
86323 standard
Chino Valley, AZ
Pop: 15,822
86322 standard
Camp Verde, AZ
Pop: 11,480

Related Areas

Yavapai County Cottonwood, AZ Arizona

Frequently Asked Questions

What county is ZIP code 86326 in? ▼
ZIP code 86326 (Cottonwood) is located in Yavapai County, Arizona. Yavapai County contains multiple ZIP codes, see the full list at /counties/yavapai-az.
What is the population of ZIP code 86326? ▼
ZIP code 86326 in Cottonwood, AZ has a population of 23,344 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 86326? ▼
The median household income in ZIP 86326 is $57,378, which is 25% below the national average of $76,288.
What is the average home value in ZIP 86326? ▼
The median home value in ZIP 86326 is $345,300, which is 24% above the national average of $278,155.
What is the demographic makeup of ZIP 86326? ▼
The largest racial group in ZIP 86326 is White at 75.8%. Hispanic or Latino residents make up 19.6% of the population.
How many businesses are in ZIP code 86326? ▼
ZIP code 86326 has 725 business establishments employing approximately 8,698 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 86326? ▼
The top industries by establishment count in ZIP 86326 are: Health care and social assistance (127), Retail trade (101), Construction (94). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 86326? ▼
According to the FHFA House Price Index, home values in ZIP 86326 increased by 0.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 222%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 86326? ▼
In ZIP code 86326, 51.6% of residents aged 25+ have a high school diploma or higher, and 27.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 86326? ▼
The mean commute time for workers in ZIP code 86326 is 19.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 86326? ▼
In ZIP code 86326, approximately 65.5% of occupied housing units are owner-occupied and 34.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 86326? ▼
The poverty rate in ZIP code 86326 is 15.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Cottonwood, AZ

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.