HomeArizonaYavapai CountyCottonwood
Cottonwood, Arizona: commercial real estate data.
Cottonwood 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 since FY2020.
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$194,400
- Ninetieth percentile approval$1,595,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Cottonwood, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$282,500
- Largest approval$1,936,000
- Jobs supported103
- Loans with a final outcome3
- Charged off0
- Median term300 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Cottonwood, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cottonwood
Flood risk in Cottonwood
- NFIP communityCity of Cottonwood
- NFIP community number040096
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/08/24
The City of Cottonwood participates in the National Flood Insurance Program as community 040096 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Yavapai County, not Cottonwood
Yavapai County context, not Cottonwood figures
- Establishments in Yavapai County6,559
- Covered employment, Yavapai County71,540
- Average annual pay, Yavapai County$54,666
- Housing units permitted, Yavapai County2,068
Every figure in this section is published for Yavapai County as a whole and is not a measurement of Cottonwood.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $19.9 m since FY2020, across 19 lenders, median approval $194,400, plus 12 504 approvals worth $5.6 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cottonwood in the National Flood Insurance Program?
Yes. Cottonwood appears in the FEMA Community Status Book as Cottonwood, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.