Living in Cottonwood, Arizona: homes, schools and costs

The book's checklist

Lower cost of livingEveryday prices run 1.7% below the U.S. average in the Prescott Valley-Prescott metro area.
More house for the moneyA typical home costs 6.7 years of the typical household's income here. Across the U.S. it's 4.1.
A safer neighborhood20 violent crimes were reported in 2025, about 1.5 per 1,000 people (U.S.: 3.3). Property crime: 8.4 per 1,000 (U.S.: 15.3).
Schools in town7 public schools: 4 elementary, 1 high school and 2 other.
A hospital close byVerde Valley Medical Center is in town and has an emergency room.
Within reach of a big cityPhoenix is about 82 miles away as the crow flies. The book suggests staying within about 60 miles if you'll miss big-city sports, concerts and theater.

A check means Cottonwood meets the rule of thumb from Frank and Dave's book. An empty box isn't a deal breaker: it's something to weigh for your family. A question mark means there isn't enough data.

For a lifetime

Homes and money

Typical home value, as owners valued them in 2020-2024: $324,100U.S.: $332,700
Home prices since then: Up 10%Yavapai County, 2022 to 2025
Typical rent, with utilities: $1,120 a monthU.S.: $1,413
Typical household income: $48,448U.S.: $80,734
Homes owned by the people living in them: 54%U.S.: 65%
Typical property tax bill: $1,075 a yearArizona: $1,879
Homes built before 1940: 2%U.S.: 12%
Homes built since 2010: 12%U.S.: 11%
Vacation and seasonal homes: 2%U.S.: 3%
Everyday prices: 98.3U.S. average = 100 (the Prescott Valley-Prescott metro area)

Home values and rents are what households told the Census Bureau across 2020 to 2024, so they trail today's market: county prices have moved up 10% since 2022. Everyday prices are the government's average for the Prescott Valley-Prescott metro area, not Cottonwood alone. Check current listings before you budget.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates; Federal Housing Finance Agency, House Price Index for counties (all transactions); U.S. Bureau of Economic Analysis, Regional Price Parities, 2024.

The people

Population, 2025 estimate: 12,7092020: 12,103
Median age: 54.7 yearsU.S.: 38.9
Age 65 and older: 37%U.S.: 17%
Under 18: 11%U.S.: 22%
Adults with a bachelor's degree or more: 27%U.S.: 36%
Moved here from another county or state in the past year: 8%U.S.: 6%

Sources: U.S. Census Bureau, Population Estimates (Vintage 2025); U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Work

Biggest lines of work: Schools, health care and social services (19%); arts, recreation, lodging and restaurants (17%); retail (14%)
Unemployment rate: 3%U.S.: 5%
Average commute: 19 minutesU.S.: 26 minutes
Work from home: 8%U.S.: 15%
Below the poverty line: 19%U.S.: 12%

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Health care

Nearest emergency room: Verde Valley Medical Center, Cottonwood, AZ, in town. It's a general hospital. Medicare gives it 4 of 5 stars.

Look up doctors, clinics and the hospitals themselves on Medicare's Care Compare. Ask where the most serious cases are sent.

Sources: Centers for Medicare & Medicaid Services, Hospital General Information.

Schools

7 public schools in Cottonwood, run by Cottonwood-Oak Creek Elementary District (4487) and Edkey Inc. dba American Heritage Academy (6365).

See each school on the federal school search, then check test scores and graduation rates on Arizona's school report card.

Sources: National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal); National Center for Education Statistics, IPEDS institution directory, 2024.

Internet

Homes with cable, fiber or DSL internet: 71%U.S.: 76%
Homes with any internet subscription: 89%U.S.: 91%

Before you buy, look up the address on the FCC's National Broadband Map to see which providers serve it.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Weather

January average low: 30°F
July average high: 101°F
Days 90°F or hotter: 128 a year
Nights at or below freezing: 63 a year
Rain and melted snow: 12 inches a year
Snow: 1 inches a year
Elevation: 3,460 feet

Weather station: Tuzigoot (3 miles away). Averages for 1991 to 2020.

Sources: NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020; U.S. Geological Survey, 3D Elevation Program.

Getting around

Prescott Valley, AZCity of 52,00022

Phoenix, AZMetro of 5.2 million82

Straight-line miles. The road is always longer, and as the book says, an interstate at 70 is a different trip from a farm road at 45. Check the real drive: Prescott Valley, Phoenix.

Yavapai County is in a metro area of fewer than 250,000 people (USDA rural-urban code 3, on a scale where 1 is the biggest metro areas and 9 the most rural counties).

For a day

10 places on the National Register of Historic Places, including the Cottonwood Commercial Historic District and Cottonwood Commercial Historic District (Boundary Increase).

National Park Service sites within about an hour:

Tuzigoot National Monument2 miles
Montezuma Castle National Monument12 miles
Walnut Canyon National Monument37 miles
Sunset Crater Volcano National Monument49 miles

Read about Cottonwood's history on Wikipedia.

Know Cottonwood?

Tell us what a visitor shouldn't miss, and what living there is really like. Write to Main Street at mainstreet@smalltownguide.com. The best notes from people who know the town will be added here.

Nearby

Straight-line miles.

Small towns

Verde Village, AZ11,900 people, 3 miles
Clarkdale, AZ4,800 people, 4 miles
Cornville, AZ3,600 people, 4 miles
Village of Oak Creek (Big Park), AZ6,400 people, 13 miles
Lake Montezuma, AZ4,900 people, 13 miles
Sedona, AZ9,600 people, 13 miles

Smaller places

Jerome, AZ452 people, 7 miles

Sources

Census survey figures are estimates with a margin of error; we leave out any figure whose margin is too wide to be useful. Data last gathered October 5, 2026. See something wrong? Write to mainstreet@smalltownguide.com.