ZIP Code · AZ

ZIP 86326

Part of Cottonwood, AZ

Pop. 24,852·Yavapai County·73rd most expensive ZIP in Arizona

Median rent (all units)

$1,848/mo

Year-over-Year

+2.4%

Month-over-Month

+0.6%

vs US Median

-$84

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 86326 · $1,848

More expensive than 52% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,020

1 BR

$1,180

2 BR

$1,480

3 BR

$2,060

4 BR+

$2,300

Research median

$1,480/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of Arizona

Rent in ZIP 86326 changed +2.4% over the year to September 2026. Across the 171 Arizona ZIP codes Zillow tracks, the typical change was +1.6%.

Recent direction

Rent rose in 6 of the last 12 months.

What a typical income covers

30% of the median household income ($57,378) is $1,434 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($1,180); a 2-bedroom is $1,480.

From Zillow's monthly rent index (ZORI) for ZIP 86326. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$22,176/yr

At $1,848/mo median

Location

CityCottonwood

StateAZ

CountyYavapai County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.4% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.4% YoY, +0.6% MoM), not inventory.

Demographics

Who lives here

ZIP 86326 (Cottonwood, AZ) is majority owner-occupied, has a large retiree population, has a median income below the national average, 27.4% of residents hold a bachelor's degree or higher.

Population

24,852

Median income

$57,378

Median age

50.8

Renters

34.5%

Age distribution

14.6%

17.1%

23.1%

13%

32.2%

Under 1814.6%

18–3417.1%

35–5423.1%

55–6413%

65+32.2%

Gender

48.7%

51.3%

Male48.7%

Female51.3%

Race & ethnicity

75.8%

19.6%

White75.8%

Hispanic19.6%

Asian0.6%

Other3.7%

Education (25+)

24.2%

39.4%

27.4%

No HS diploma9%

HS diploma24.2%

Some college39.4%

Bachelor's+27.4%

Housing tenure

65.5%

34.5%

Owner65.5%

Renter34.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 86326 in Cottonwood, AZ has changed in 5 years

Income

$46,069 → $57,378

up 24.5%

Population

24,896 → 24,852

down 0.2%

Renter share

38.2% → 34.5%

-3.7 pts

Bachelor's+

22.7% → 27.4%

+4.7 pts

Median age

47.8 → 50.8

+3.0 yrs

Household income in the area moved from $46,069 to $57,378 across the same window, up 24.5% versus 2021. About 34.5% of households rent today, against 38.2% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 22.7% to 27.4%.

Community

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Local insights

Tips for renters in ZIP 86326

About renting in ZIP 86326

Last updated: October 17, 2026

ZIP code 86326 covers Cottonwood, AZ. The median rent here is $1,848/mo as of October 2026. A 1-bedroom rents for a median of $1,180/mo. A 2-bedroom rents for a median of $1,480/mo.

At 39% of local median household income ($57,378/yr), ZIP 86326 ranks as moderate compared to the national benchmark of 30%. Rents have increased 2.4% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 86326?

To keep rent at or below 30% of gross income, you would need to earn at least $74,000/year (about $36/hour full-time) to afford the median rent of $1,848/mo in ZIP 86326. The local median household income is $57,378/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 86326?

Rent in ZIP 86326 has risen 2.4% over the past year.

How does ZIP 86326 compare to other ZIPs in Arizona?

ZIP 86326 is in the middle among Arizona ZIP codes for rent, ranking #73 of 183 at $1,848/mo. Over the year to September 2026, rent in ZIP 86326 changed +2.4%, against a typical +1.6% across the 171 Arizona ZIP codes Zillow tracks.