HomeArizonaYavapai CountyCottonwood city
Cottonwood city, Arizona: commercial real estate data.
Cottonwood city is a Census city of 12,580 people across 28.16 square miles of land, in Yavapai County. Median household income is $48,448, 53.6 percent of occupied homes are owned, and the SBA record carries 36 7(a) approvals to borrowers here worth $19.9 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cottonwood
What Cottonwood is
- Census place typecity
- Land area28.16 sq mi
- Water area0 sq mi
- Population per square mile of land447
- County holding the largest share of its areaYavapai County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
How many people live in Cottonwood
- Population12,580
- Median age54.7
- Population under 181,370 plus or minus 365
- Share under 1810.9 percent plus or minus 2.9
- Population 65 and over4,626
- Share 65 and over36.8 percent
- Households6,592
- Family households2,958
- Share of households that are families44.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
Income and work in Cottonwood
- Median household income$48,448
- Per capita income$33,999
- Civilian labor force5,453
- Employed5,282
- Unemployed171 plus or minus 113
- Unemployment rate3.1 percent plus or minus 2.0
- Adults 25 and over10,296
- Adults 25 and over with a high school diploma or higher89.8 percent
- Adults 25 and over with a bachelor degree or higher27.5 percent
- Adults 25 and over with a graduate degree9.4 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
Housing in Cottonwood
- Housing units7,237
- Occupied units6,592
- Vacant units645 plus or minus 246
- Vacancy rate8.9 percent plus or minus 3.4
- Owner occupied3,533
- Renter occupied3,059
- Ownership rate53.6 percent
- Median owner-occupied home value$324,100
- Median gross rent, monthly$1,120
- Annual rent as a share of median income27.7 percent
- Single family units3,389
- Share single family46.8 percent
- Units in buildings of two or more2,648
- Share in buildings of two or more36.6 percent
- Mobile homes1,185 plus or minus 349
- Median year structure built1991
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
How Cottonwood gets to work
- Workers 16 and over who commute4,823
- Commuting under 15 minutes2,380 plus or minus 490
- Share commuting under 15 minutes49.3 percent
- Commuting 30 minutes or more1,565 plus or minus 447
- Share commuting 30 minutes or more32.4 percent plus or minus 8.5
- Drove alone65.8 percent
- Carpooled23.6 percent plus or minus 7.1
- Public transport1.0 percent plus or minus 1.3
- Walked0.4 percent plus or minus 0.5
- Worked from home8.4 percent plus or minus 4.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
SBA loans in Cottonwood (7(a))
- Approvals36
- Gross approval$19,921,300
- Average approval$553,369
- Median approval$196,300
- Ninetieth percentile approval$1,668,000
- Largest approval$2,566,400
- Jobs supported328
- Jobs per approval9.1
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more22.2 percent
- Share to franchises5.6 percent
- Distinct lenders19
- Distinct industries by NAICS26
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cottonwood
SBA loans in Cottonwood (504)
- Approvals12
- Gross approval$5,576,000
- Average approval$464,667
- Median approval$357,000
- Largest approval$1,936,000
- Jobs supported103
- Loans with a final outcome3
- Charged off0
- Median term300 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cottonwood
Flood risk in Cottonwood
- Listed NFIP communities1
- Of those, participating1
- NFIP community number040096
- Currently effective map date02/08/24
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Yavapai County, not Cottonwood
Yavapai County context, not Cottonwood figures
These are Yavapai County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cottonwood measurements.
- Establishments in Yavapai County6,559
- Employment at those establishments, Yavapai County68,562
- Covered employment, Yavapai County71,540
- Average annual pay, Yavapai County$54,666
- Average weekly wage, Yavapai County$1,051
- Housing units permitted, Yavapai County2,068
- Of those, single family, Yavapai County1,836
- County product, 2024, Yavapai County$12,137,366,000
- County product change over the prior year, Yavapai County8.4 percent
- Average income of an arriving household, Yavapai County$90,518
Every figure in this section is published for Yavapai County as a whole and is not a measurement of Cottonwood. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cottonwood questions, answered from the record.
How many people live in Cottonwood, Arizona?
12,580, in 6,592 households. Cottonwood city covers 28.16 square miles of land, which is 447 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cottonwood in?
Yavapai County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cottonwood?
$48,448. The median owner-occupied home is valued at $324,100. Median gross rent is $1,120 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cottonwood businesses?
36 7(a) approvals totalling $19.9 m, across 19 lenders, median approval $196,300, plus 12 504 approvals worth $5.6 m. These count approvals to borrowers whose address is in Cottonwood, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cottonwood borrowers get paid back?
No rate is published for Cottonwood. only 4 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Cottonwood in the National Flood Insurance Program?
Yes. Cottonwood appears in the FEMA Community Status Book as community 040096, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cottonwood figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Yavapai County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cottonwood.
Is zoning published for Cottonwood?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.